ACCELERATOR CLOSING SOON

Enter Y Combinator Winter 2027 (W27) before Nov 3

15h 50m left. Fair Send can enter it. Honest remittance pricing on stablecoin rails is a stablecoin business with a plain customer problem.

Yours in about 7 days. Lands about Nov 9, after the Nov 3 deadline.

Fair Send, first screen of the live demoTry it live
Live demo with sample data. No wallet needed.
Yours in 5 to 7 daysPRODUCTIVITY

Fair Send

Send money home and see the honest all-in cost first: the fee plus the exchange rate spread in plain dollars, compared across a bank wire, a remittance app and stablecoin routes on Stellar, Tempo and Celo.

Try it live, free
$100one price, paid once
Yours in 5 to 7 days, set up under your name and wallet. Pay $100 once and we deliver within 7 days of payment, or you get your money back. Or reserve it for $25 and pay the rest within 7 days of it being ready.
Own it for $100Or reserve it for $25
Locked in a smart contract until delivery

Your USDC is locked in a smart contract, not sent to us. The contract lets us collect it only if we deliver within 14 days of your payment (by 16 Nov 2026 if you pay today). After that date, if we have not collected it, you take it back yourself from My apps, no permission needed. Before it, only we can refund: if we miss the promised date, ask in My apps and we refund you from the contract. View the contract on BaseScan. This covers every payment, a reservation too: the funds are released to us only when we deliver.

Promised delivery: 9 Nov 2026 (counted from payment). Self-refund opens: 16 Nov 2026 (the contract deadline).

WHAT YOU GET
  • The complete user app · see the demo
  • Basic customization · name, tagline, logo, color, chain, domain and a short notes field
  • Deployed on your wallet · you own the contracts and the repo
  • Owner playbook · your first moves after launch
One price, all of the above$100
OPTIONAL ADD-ONS, AFTER DELIVERY
  • Owner consoleQuoted after delivery
  • Referral and growth top-upQuoted after delivery
  • Roadmap v2: Scheduled sends and more corridorsFrom $600
  • Roadmap v3: The open cost datasetFrom $900

Add-ons are not part of this payment. Once your app is delivered you can request them from My apps, and you only pay if you say yes to the quote.

HOW PAYING WORKS
  1. 1. Pay in USDCIt locks in the escrow contract, not our wallet.
  2. 2. We set it upUnder your name and wallet, with your logo, by the promised date.
  3. 3. Delivered, or refundedDelivered: the funds release to us. Not collected within 14 days: you claim them back yourself.
Want it fully custom? From $1,500, send a briefNew to building? See why it is so doable now.Why build
Ask us about this app

A question about Fair Send? Pricing, chains, custom work, anything. We reply by email or Telegram.

PortsStellar · Tempo · Celo
KindOps
OwnerYou, on your wallet and git
Picture this

Who it is for

Marites Dela Cruz, a home health aide in Daly City, California, sends 300 dollars to her mother in Iloilo every month, and the app she used said the fee was 3.99 dollars while the exchange rate quietly took another 6 dollars. Fair Send shows her the full cost of every route before she sends: the fee, and the spread against the mid-market rate written as dollars she loses. She picks a Stellar route that cashes out through a licensed anchor, and her mother gets a plain receipt in Hiligaynon or English that says exactly how many pesos arrived and where to collect them.

Two ways to own it

What you get

Base$100
Yours in 5 to 7 days

The sender app: corridor picker, live comparison of fee plus spread in dollars across bank wire, a card remittance app and stablecoin routes on Stellar, Tempo and Celo, a send flow from the sender's own wallet with a quote lock, a family receipt page in several languages with the cash out point, rate alerts, plans and checkout, and the owner console.

  • You choose: accent color and logo
  • You choose: starting corridors
  • You choose: receipt languages
  • You choose: cash out partners per corridor
Customfrom $1,500
Built around you

Reshape it entirely: new features, your flows, your brand end to end, integrations you need. We scope it with you.

  • Everything in Base
  • Custom features and design
  • Priority build
Why it is new

What exists today, and what this does differently

What is new

Remittance comparison sites exist and stablecoin remittance apps exist. What is new is putting both in one sender's flow: the spread against the mid-market rate is converted to dollars for every route, stablecoin routes are compared next to the bank wire and card apps the sender already uses, and the family gets a receipt in their own language with the exact amount and the cash out point.

Closest things out there

Monito and the World Bank Remittance Prices Worldwide database compare corridor costs; Wise shows its fee and mid-market rate; MoneyGram and Vibrant use Stellar USDC for cash out; Valora and Kotani Pay connect Celo stablecoins to mobile money. None of them puts every route's spread in dollars inside the send flow.

Checked with web searches in October 2026. A search is not proof that nothing similar exists, and the market moves fast, so we recheck before every build.

What it unlocks

The human in it

The money a family loses to the exchange rate is shown in dollars, so the person sending can finally see it and choose.
The Regatta Board

Races Fair Send can enter

13 live races fit this app. Each one says why, with its prize and countdown. The rule on existing code is on the race page.

ACCELERATORAny chaincloses tomorrow!Y Combinator Winter 2027 (W27)Deal$500KWhy it fits. Honest remittance pricing on stablecoin rails is a stablecoin business with a plain customer problem.10 other apps can enter tooSee the raceGRANTStellarunder 2 weeks leftStellar Community Fund (Build Awards and Instawards)FundingUp to $150KWhy it fits. Remittance through Stellar anchors with the full cost shown first.3 other apps can enter tooSee the raceHACKATHONNEARunder 2 weeks leftNEAR Hackathon (Nov 1 to 14, 2026)Prize$250KWhy it fits. Real-World Money: honest remittance cost comparison; add a NEAR Intents route during the window.16 other apps can enter tooSee the raceACCELERATORAny chainAlliance ALL19Deal$400KWhy it fits. Consumer stablecoin apps with real corridors can fit Alliance; check current terms.16 other apps can enter tooSee the raceACCELERATORAny startupTechstars Spring 2027Deal$220KWhy it fits. Remittance cost transparency is a fintech story mentors can help take to market.4 other apps can enter tooSee the raceGRANTCeloPrezenti AI Builder Sponsorships (Celo)FundingUp to $1.4KWhy it fits. A Celo remittance route with the honest cost shown first.5 other apps can enter tooSee the raceFUNDAny startupapply any timePareto HoldingsCheck sizeCheck size not publishedROLLINGapply any timeWhy it fits. An ambitious first time founder can start with the remittance cost problem and grow it.2 other apps can enter tooSee the raceFUNDAny startupapply any timePrecursor VenturesCheck sizeCheck size not publishedROLLINGapply any timeWhy it fits. A founder who sends money home can show deep personal insight into remittance costs.3 other apps can enter tooSee the raceFUNDAny startupapply any timeUnshackled VenturesCheck size$300K to $500KAmount not confirmedROLLINGapply any timeWhy it fits. Immigrant founders know remittance costs firsthand and can build this in the US.3 other apps can enter tooSee the raceFUNDAny startupapply any timeEverywhere VenturesCheck size$250KROLLINGapply any timeWhy it fits. Remittance transparency is a global fintech product Everywhere's portfolio already leans toward.4 other apps can enter tooSee the raceGRANTCeloapply any timeCelo Proof of ShipFundingFundingROLLINGapply any timeWhy it fits. A Celo remittance route with the honest cost shown first.5 other apps can enter tooSee the raceAIRDROP-READYCeloapply any timeCelo (token live; Proof of Ship)TokenNo set amountROLLINGapply any timeWhy it fits. A Celo remittance route with the honest cost shown first.5 other apps can enter tooSee the raceAIRDROP-READYTempoapply any timeTempo (no token)TokenNo set amountROLLINGapply any timeWhy it fits. A Tempo remittance route with the full cost shown first. Airdrops are never guaranteed.2 other apps can enter tooSee the race
See every race on the board
What you own

The whole app, not a starter kit.

A complete remittance comparison and send app you own: senders see the fee plus the spread in dollars for every route, send stablecoins from their own wallet through licensed partners, and pay you a small monthly plan, while your console runs pricing, corridors, partners and the quote agent.

Base price · $100

The user app, complete

Every buyer gets the same finished app. Basic branding and copy changes come through a quick form.

Illustrated home with the next send and first-run onboardingHome
Three step welcome, then the one next action: compare this month's send.
Corridor pickerCompare
US to Philippines, US to Mexico and UK to Kenya to start, each with its receive currency and cash out methods.
All-in cost comparisonCompare
Fee plus spread against the mid-market rate, shown in dollars, for a bank wire, a card remittance app and stablecoin routes.
Unavailable route notesCompare
A route with no licensed partner in the corridor is shown greyed out with the reason, never hidden.
Send flow with a quote lockSend
Locks the quote for 15 minutes, fills the partner's address and memo, and asks the sender to confirm the recipient's name.
Send from the sender's own walletSend
Stellar, Celo or Tempo payment signed by the sender, with the network fee shown before signing.
Family receipt pageReceipts
Amount sent, amount to receive, collection point, hours and reference, in English, Tagalog, Hiligaynon or Spanish.
Spread history chartReceipts
What the sender lost to the spread on each route over the last six months.
Rate alertsMe
Tell me when the all-in cost of a route drops under a ceiling I set.
Plans and simulated checkoutMe
Compare free, Family monthly and Community monthly.
Open the full app demo
Add-on

Owner console

Your admin side: revenue, paywall editor, users, rules and the agent log.

Revenue dashboard with paywall editorRevenue
Rename tiers, change prices and gates, and see the change in the user app.
Corridor and partner rulesRules
Switch corridors on or off, require a license reference, set quote freshness and the send limit.
Quote agent logAgent
Every stale quote refused, anchor outage handled and route marked unavailable.
Roadmap with add-on buildsRoadmap
Request scheduled sends and more corridors from DEPLOYR.
Top-up

Growth and referrals

Referral and growth mechanics, switched on when you are ready to grow.

Growth loopsGrowth
Cost cards, community pages and recipient referrals, with the numbers.
Community comparison pageGrowth
A branded page for a church, a community center or an employer that shows this month's corridor costs.
The money path, built in

How it earns for you

Comparing is free for everyone. Senders who send often pay a small monthly plan, and community groups pay for a shared page. The app never adds a markup to the exchange rate and never takes a cut of the money sent.

CompareFreeEvery route in any corridor, the spread in dollars, one send a month and the family receipt.
Family$3 per monthUnlimited sends, scheduled monthly sends, rate alerts, more receipt languages and a yearly cost summary.
Community$29 per monthA shared comparison page for a church, community center or employer, with up to 300 member accounts.

Prices are yours to set. Illustrative, not a promise of income.

Growth loops, built in

How it spreads

  • A yearly cost card that shows the dollars a family stopped losing to the spread
  • Community comparison pages for churches, community centers and employers of migrant workers
  • Recipient receipts that invite other relatives to compare before they send
  • A monthly corridor cost post with the cheapest route and the most expensive one
Roadmap · build the next phase with us

Where it goes next

v1 included
The honest send app
  • Corridor comparison with the spread in dollars
  • Stellar anchor sends with a quote lock
  • Family receipts in four languages
  • Rate alerts
  • Plans, paywall editor and quote agent log
Included
v2
Scheduled sends and more corridors
  • Monthly scheduled sends that wait for the sender's signature
  • Celo mobile money corridors to Kenya and Ghana
  • Tempo routes as licensed partners join
From $600
v3
The open cost dataset
  • Monthly published corridor costs
  • An embeddable widget for community sites
  • A yearly report per corridor
From $900

The pitch, ready for investors and grant reviewers

Unlocked when your app is paid in full

Your 2 minute demo script

Unlocked when your app is paid in full

Make it entirely yours

Your brand, starting corridors, receipt languages, cash out partners and a white label page for a community group are scoped and priced together.

Custom from $1,500
BLUEPRINT

Why it matters and how it really works

The recipe (how it is built, the data, costs, risks, build order, the pitch and the demo script) is unlocked when your app is paid in full.

The need

People who send money home usually see one number, the fee, while the exchange rate quietly takes more. On a 300 dollar send the spread can cost several dollars more than the fee, and most senders never see it in dollars. Stablecoin routes can be cheaper in some corridors and not in others, and nobody shows the sender all the routes side by side before they press send.

What exists and what is new

Comparison sites and stablecoin remittance apps both exist. Fair Send is an incremental take that joins them inside one send flow: every route shows its fee plus its spread against the mid-market rate in dollars, stablecoin routes on Stellar, Tempo and Celo sit next to the bank wire and the card app the sender already knows, a route with no licensed cash out partner is shown as unavailable instead of hidden, and the family gets a receipt in their language. Research verdict: exists in parts, medium novelty.

The data it runs on

Unlocked when your app is paid in full

1.The mission

Every family that sends money home should know what it really costs before they send, in dollars, in plain words.

2.Why people can't resist it

The spread in dollars Instead of a rate with four decimals, the sender reads: you lose 7.71 dollars to the exchange rate on this route.

The family receipt The person at home gets a short receipt in their language: how many pesos arrived, where to collect them and the reference to show.

The rate alert Set a ceiling for the all-in cost, and the app tells you when a route drops under it, without moving any money on its own.

3.How it works for real

Unlocked when your app is paid in full

4.Pricing

Cost per use: unlocked when your app is paid in full.

Compare Free
Compare every route in any corridor, the spread in dollars, one send a month and the family receipt.
Family $3 per month
Unlimited sends, scheduled monthly sends, rate alerts, receipts in more languages and a yearly cost summary.
Community $29 per month
For churches, community centers and employers: a shared page that shows corridor costs to members, with up to 300 member accounts.

5.Growth loop

The cost card is shareable: the dollars a family stopped losing to the spread this year. Community groups and employers of migrant workers can share a branded comparison page. Recipients see a clean receipt and often ask their other relatives to send the same way.

6.Risks and guardrails

Unlocked when your app is paid in full

7.Build order

Unlocked when your app is paid in full

8.Where this is going

  1. Now
    Two corridors, the spread in dollars, and a receipt the family can read.
  2. Next
    More corridors on Celo and Tempo as licensed partners join, scheduled sends and a yearly cost summary.
  3. Later
    An open corridor cost dataset published monthly, so anyone can see which routes are fair.

Costs and tools are estimates at the time of writing. General information only, not legal or financial advice.

OWNER PLAYBOOK

Own it, then chart your voyage

NRevenueVentureBuilder statusHackathonsProductivityInspire othersPartnershipsPortfolioAgencyFAIR SEND

Nine routes from one vessel. Tap a port to open its chart.

Why own Fair Send

Hundreds of millions of people send money home every month, and most of them never see what the exchange rate takes. Owning Fair Send means you run the honest version: every route's fee plus spread in dollars, stablecoin routes next to the bank and the card app, sends from the sender's own wallet through licensed partners, and a receipt the family can read. You earn from small monthly plans, never from a markup on the rate.

What’s stopping you?

“Do I need a money transmitter license to run this?”

Fair Send never holds funds. Senders pay licensed anchors and partners from their own wallets, and the partners do the identity checks and the cash out. Rules differ by country, so check each corridor with the partner and a local adviser before you switch it on.

“What if a stablecoin route is not cheaper?”

Then the app says so. Fair Send sorts routes by what the family receives. In some corridors the bank or the card app wins, and showing that honestly is what makes people trust the page.

“I do not know the cash out partners.”

Start with the anchors already listed on Stellar and the mobile money partners that work with Celo wallets. The console only shows a route when you add a partner with a license reference.

A revenue ladder, step by step

Small monthly plans for frequent senders, community pages for churches, community centers and employers, and white label copies for remittance groups. Illustrations, not promises.

$240
$4,800
$38,000
$94,000
First corridor
80 paying senders
$3 a month
Known in two communities
1,500 paying senders and 10 community pages
$3 to $29 a month
Five corridors
12,000 paying senders and 60 community pages
Mixed
Category regular
30,000 paying senders and 150 community pages
Mixed
  • Publish a monthly corridor cost post that names the cheapest and the most expensive route
  • Partner with churches, community centers and employers of migrant workers on community pages
  • Add corridors only where a licensed partner pays out near where families live

Illustrative stages, not a forecast. Results depend on you and the market; nothing here is guaranteed.

Pick your destination

Grow it into a business
Senders compare once and keep coming back every month. A free comparison that shows the spread in dollars earns trust, and the Family plan is cheap next to what they stop losing.ARRIVE: Two hundred senders using the free comparison and forty paying for Family, about $120 a month.5 moves · first one within the hour →
Raise for it
Stablecoin remittance with honest pricing is a clear story for stablecoin focused programs and accelerators. A live corridor and real receipts make it credible.ARRIVE: Applications submitted to the Stellar Community Fund and to Y Combinator with real corridor data.5 moves · first one within the hour →
Become a real builder on a chain
Running Fair Send on Stellar, Celo and Tempo leaves a public record of real payments for real families. Celo rewards monthly shipping through Proof of Ship and Prezenti. Tempo has no token and no builder program, so any airdrop there is speculation. Airdrops are never guaranteed. You are building a record, not buying a payout.ARRIVE: Fair Send live under your name, with a Celo mainnet deployment and a monthly shipping log.4 moves · first one within the hour →
Win with it at hackathons
Payments, cross-chain and consumer tracks all fit a feature built on Fair Send, such as a new corridor or a quote lock. Check each event's rule on existing code; many want new work during the event.ARRIVE: A submission that adds one new feature to Fair Send, within the event's rules.4 moves · first one within the hour →
Run your own work on it
If you send money home every month, Fair Send turns ten minutes of checking three apps into one comparison you can trust.ARRIVE: Your own monthly send done through the cheapest route you can verify, with a receipt your family can read.4 moves · first one within the hour →
Get your people moving
Most people have never seen the exchange rate spread written in dollars. A short session with a real comparison changes how a whole group sends money.ARRIVE: A group of ten to thirty people compares their own sends and leaves knowing their real cost.4 moves · first one within the hour →
Partner with founders and projects
Churches, community centers and employers of migrant workers want to help their people send money fairly. A community comparison page is an easy partnership.ARRIVE: One community group shares a Fair Send comparison page with its members.4 moves · first one within the hour →
Prove your skills with it
A live app that compares routes across Stellar, Celo and Tempo and sends through licensed partners shows careful payments engineering and product judgement.ARRIVE: A case study page with the comparison, a send and a receipt, sent to five people who hire.4 moves · first one within the hour →
Sell it as a service
Small employers of migrant workers and community groups want an honest way to help people send money. Setting it up for them is a service you can sell.ARRIVE: Two clients with a community page set up and running as a done for you service.4 moves · first one within the hour →
No budget yet? Be a CEO anyway at CEOism, then come back for your vessel. ceoism.com ↗
NOT QUITE FAIR SEND?

Commission your own version.

Send a short brief: the idea, the chain, your budget and deadline. A real person replies usually within a day with questions or a fixed quote. The custom tier for Fair Send starts at $1,500, and you pay nothing until you approve the quote.

Send a brief
Moored nearby

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