Non-custodial remittance infrastructure · WhatsApp-native
Send money by chatting. Watch it arrive.
An AI agent quotes the live mid-market rate in WhatsApp, a hosted page takes payment, and a licensed partner settles — every step signed, screened, and audited.
A real transfer moving through SmartRemit — conversation, quote, pay, settle, delivered. Funds never touch us.
- Non-custodial by design
- Licensed-partner settled
- Sanctions screening on every transfer
- Full audit trail
What’s inside.
The same system, surface by surface.
01 — The conversation
An agent that speaks money.
Quote, KYC, approval, receipt — the entire transfer is a conversation. The agent locks the live mid-market rate and holds it for you. It never holds your funds.
02 — The ops dashboard
Every transfer, observable.
Staff watch money move in real time — live transfers, a compliance review queue, FX analytics. PII stays encrypted at rest, and every reveal is written to the audit log.
03 — The partner rail
Your rail. Our orchestration.
Settlement is an instruction, not a balance. SmartRemit signs an instruction to your rail and verifies the signed callback — funds never touch us. A REST API and hosted reference rail ship with it.
04 — The AI layer
One AI layer, two sides.
Customers get an agent that answers in plain language. The platform runs compliance on every transfer — sanctions screening is structurally impossible to switch off, in every KYC mode.
Live FX
The honest rate, before you send.
Today, 1 USD = ₹95.86 (live mid-market rate).
No markup baked into the rate — your first transfer is free, then a flat $1.99 per bank transfer.
Fee: $0 on your first transfer, then $1.99.
Send $1,000 to India on WhatsAppLive rate from our FX provider, updated hourly. Final rate is locked when you confirm in chat.
Your family is one message away.
Send money home in the time it takes to type a text.
Building a remittance product? Read the partner docs →
For partners
Partner with us.
Licensed money transmitters: get a branded WhatsApp bot, a hosted pay page, signed settlement webhooks, a REST API, and a self-service dashboard. You keep the licence and the funds — we orchestrate the rest. Tell us your corridors and we’ll be in touch.