Users send money to their families in seconds.
Collect from senders with the cards and bank transfers they already use, then pay recipients out in 40+ countries. One integration, transparent FX, and compliance built in.
POWERING
Every day in transit is a reason to switch apps.
Sending $200 across borders still costs 6.36% on average,1 and only 35% of cross-border payments arrive within an hour.2 Senders notice. Coinflow gives you one connection for pay-ins, FX, and payouts, reconciled in real time.
One integration. Every corridor.
Stop building a new integration for every market. We handle routing, settlement, FX, and compliance so your team can focus on senders.
Estimate your savings →Approve more transfers
Senders fund transfers with cards, Apple Pay, Google Pay, or bank transfer. Each payment routes to the path most likely to approve, with retries across acquirers.
Pay recipients in seconds
Payouts land in bank accounts and on debit cards in 40+ countries, 24/7/365, on local real-time rails. Weekends and holidays included.
Price FX you can see
Transparent FX with no opaque markup, so your margin is set when the transfer is quoted. That matters when every basis point counts.
Compliance built in
Identity checks (KYC), anti-money-laundering (AML) monitoring, and sanctions screening run inside the flow. ISO 27001, PCI DSS Level 1, and SOC 2.
One integration on your side. Every network, tuned, on ours.
Others resell the old system and pass on its delays, cost, and risk. We connect the networks in a single integration, so your team can focus on growth.
We connect
Cards, bank rails, and local wallets worldwide in one integration and ledger.
We optimize
Every transaction is routed to the path most likely to approve, at the lowest cost, on the rail your customer already uses.
You scale
Launch new markets, pay out globally, and grow volume without adding vendors, headcount, or complexity.
Every decline is a sender you already paid for.
Cross-border cards trip generic risk rules, and a failed transfer sends the customer to another app. Coinflow retries declined payments across acquirers in milliseconds, then pays the recipient out on local real-time rails.
- Multi-acquirer routing with retries
- Local acquiring in the US and EU
- Payouts that clear weekends and holidays
Illustrative example.
Outcomes may vary by customer.
Open your next corridor with Coinflow.
Map your pay-in, FX, and payout flows with our team. Go live in weeks, not quarters, with an engineer who stays on after launch.
Talk to our teamFrequently asked questions
Which payment methods can senders use to fund a transfer?
Senders can fund transfers with cards, Apple Pay, Google Pay, and bank transfers like ACH, all through one Coinflow integration. Coinflow supports pay-ins in 160+ countries and routes each payment for the best approval, cost, and speed.
How fast can recipients get paid with Coinflow?
Coinflow pays out to recipients' bank accounts and debit cards in seconds, 24/7/365, including weekends and holidays. Instant payouts are available in 40+ countries on local real-time rails, while ACH and batch transfers follow their standard windows.
How does Coinflow help remittance companies stay compliant?
Coinflow builds identity verification (KYC and KYB), anti-money-laundering (AML) checks, and sanctions screening into the payment and payout flow. Coinflow is ISO 27001, PCI DSS Level 1, and SOC 2 compliant, and works directly with your compliance team during onboarding.
Can Coinflow lower the cost of cross-border transfers?
Yes. Coinflow uses transparent FX with no opaque markup and replaces per-corridor integrations with one connection. Funds settle in seconds, so less working capital sits waiting on settlement. Félix cut bank and issuer declines by 76% in four months on Coinflow.