Picture this

Who it is for

Kwame Asante, a care worker in Manchester, sends money home to Kumasi every month, and in September his nieces were sent home because the fees were late. With Family Float he tops up one family pot in USDC with categories for school, rent, food and health: term fees go straight to the school's bank account, rent to the landlord's confirmed mobile money, and his mum sees every balance in cedis. A changed payee number is held until it is confirmed, so the landlord scam text goes nowhere.

Two ways to own it

What you get

Base$100

Yours in 2 to 3 days

The user app: family pot with school, rent, food and health categories, monthly split builder and top ups, direct payees with a hold and sender approval for changes, bill flows paying schools and landlords, local currency view per member, money requests from family, cash-out partner list with fees, ledger with receipts, plans and simulated checkout.

You choose: accent color
You choose: home corridor and currency
You choose: category names
You choose: partner order

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

Stablecoin remittance apps into Africa exist and some mention school fees. What is new is the shape: a family pot split into categories where each bill pays the payee directly through a licensed off-ramp, a local currency view for every family member, changed payee numbers held until confirmed, and cash-out partners listed with their real fees and limits, all as an app the owner runs for their own community.

Closest things out there

SFx Money App (Circle case study, school fees and family support in USDC), RemitaPay (hackathon project paying Nigerian school fees in USDC), Stablepay and Sasai for stablecoin bill pay and remittance; most pay out to the family member rather than to a categorized pot of verified payees.

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 son sends home does the job he meant it for, and his mum can see it in her own currency without asking.

The Regatta Board

Races Family Float can enter

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

Grant roundBaseBase Builder GrantsFundingNot announcedRolling, apply any timeWhy it fits. Diaspora top ups from Base with real families are the usage these grants reward; check current terms.56 other apps can enter tooSee the race

See every race on the board

What you own

The whole app, not a starter kit.

Your own remittance app for a diaspora community: senders fill a family pot in USDC, bills pay schools and landlords directly, family see balances in local money, and your console runs plans, safety rules, growth and the payout log.

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 due bill and first-run onboardingHome

Three step welcome, the next bill with one action, and the pot shown as a clay pot of four categories.

See as sender or as MumHome

Switch the whole home between USDC and cedis to see what each family member sees.

Bills paid straight to the payeeBills

School fees to the bursar's bank account and rent to the landlord, with partner, fee and example rate shown first.

Changed payee holdBills

A number changed by text is held, confirmed by code from the old number, or blocked as fake.

Short category choicesBills

When a pot is short, move money from another category or top up now; never silently.

Monthly split builder and top upsPot

Set each category's monthly amount, see it in cedis live, top up and watch it split.

Payees and co-sendersPot

Add payees per category with a hold; siblings fund the same pot on the Clan plan.

Ledger with receiptsLedger

Every top up and payout with its hash, category bars and a sent home by month chart.

Family members and money requestsFamily

Who sees which currency, invites, and Mum asking for money with one notification to the sender.

Honest cash-out partner listFamily

Each partner's fee, speed, limits and whether it is available in the family's town.

Plan, share card, permissions and visionFamily

Simulated USDC checkout, share card, what the app may and may never do, and where it goes.

Open the full app demo

Add-on

Owner console

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

Revenue dashboard and payoutsRevenue

MRR, plan mix, monthly chart, incoming USDC payments and payment method toggles.

Live paywall editorRevenue

Rename tiers, set prices and choose what is gated; the Plans sheet updates instantly.

Safety rulesRules

Payee hold hours, largest single bill, reminder days, partner order and changed payee approval.

Payout log and costsAgent

Bank name mismatches, partner outages and fake payees stopped, with how the app adapted, plus monthly costs.

Roadmap and build requestsRoadmap

v1 included, v2 corridors and schools, v3 savings goals, with a request flow.

Top-up

Growth and referrals

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

Association loop and sourcesGrowth

Hometown association growth loop, source bars and families by month.

The money path, built in

How it earns for you

Families pay you a small monthly plan for direct payees, local money views for everyone and shared senders. The pot is free. You never add a margin to the rate and never hold a family's money; partner fees are shown as they are.

PotFreeOne family pot with categories, Mum's weekly allowance, one direct payee, cedi view for Mum.

Family$4 per monthUnlimited direct payees like schools and landlords, local money view for everyone, due date reminders.

Clan$12 per monthSeveral senders fund one pot, shared approvals for new payees, yearly family statement.

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

Growth loops, built in

How it spreads

Hometown associations and churches abroad share one sign up link at a meeting, with permission
Schools that receive fees directly tell other parents
Siblings abroad join the same pot on Clan
Mums show their local money balance to neighbours with children abroad

Roadmap · build the next phase with us

Where it goes next

v1 included

The family pot

Pot with categories
Direct payees with confirmation
Local money view per member
Money requests
Ledger, plans and console

Included

More corridors and schools

Kenya, Nigeria and Philippines partners
Schools post invoices to a pot
WhatsApp balance messages
Voice notes on requests

Add-on from $500

Savings goals and community pots

Goal pots
Association pots with two treasurers
Employer matched gifts
Yearly family statement

Add-on 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, home corridor and currency, payout partners, category names, WhatsApp integration or an association white label 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 abroad send money home every month and lose up to 8% to fees. Once cash lands it goes to whatever is loudest that week, school fees are paid late, and scammers text family members pretending a landlord changed his number.

What exists and what is new

Partly exists. Stablecoin remittance apps such as SFx Money, Stablepay and Sasai move USDC into African currencies, and RemitaPay showed school fees paid in USDC. Family Float adds a categorized family pot where bills pay the school or landlord directly, a local currency view for every member, held and confirmed payee changes, and honest partner fees, as an app an owner runs for their own diaspora community. Research verdict: partly exists, medium novelty.

The data it runs on

Unlocked when your app is paid in full

1.The mission

Money sent home should do the job it was sent for, and the family should see it in their own money.

2.Why people can't resist it

The bursar's receipt School fees go to the school's account and a receipt comes back that the whole family can see.

Mum's view Every category in cedis, naira or shillings, on Mum's own phone, without asking.

The scam stopper A changed payee number waits until the old number confirms or a family member says it is fake.

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.

Pot Free

One family pot with categories, Mum's weekly allowance, one direct payee, cedi view for Mum.

Family $4 per month

Unlimited direct payees like schools and landlords, local money view for everyone, due date reminders.

Clan $12 per month

Several senders fund one pot, shared approvals for new payees, a yearly statement per family.

5.Growth loop

Hometown associations and churches abroad are the channel: one member shows the bursar's receipt at a meeting and the group shares the link once, with permission. Schools that receive fees directly tell other parents. No mass messages or bought lists.

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

Now
One family's pot: school fees to the school, rent to the landlord, Mum sees it in cedis.
Next
More corridors like Kenya, Nigeria and the Philippines, and schools that post invoices straight to a pot.
Later
Savings goals for a roof or university, and shared pots for hometown associations.
The world it builds
Money sent home arrives whole, does what it was meant to do, and the family decides together in their own currency.

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

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

Why own Family Float

Millions of people send money home every month, pay too much for it, and then watch it go somewhere other than the school fees. Owning Family Float means your community gets a pot where bills pay the school and landlord directly and Mum sees it in her own money. Start with your own family or one hometown association, and the bursar's receipt does the selling.

What’s stopping you?

“Money transfer is regulated. Am I becoming a money transmitter?”

Family Float never converts money itself. Conversion and payouts run through licensed partners in each country, and users keep their own wallets. Rules still differ by country, so take local advice before you launch a corridor. This is not legal advice.

“What if a partner goes down or a payment bounces?”

It will happen. The app shows partner status openly, offers the next partner, and returns bounced USDC to the pot. The demo's payout log shows exactly that, including a bank name mismatch.

“Big remittance apps already exist.”

They move money to a person. Your edge is the pot: categories, direct payees, Mum's view and the scam stopper, sold through communities that trust you. Plans start at a few dollars, so the bar to try is low.

“My family will feel controlled by categories.”

Mum can ask for money and the sender approves in one tap. Categories are the sender's plan, not a lock, and food money can move when life happens.