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The world’s local wallet

Send straight to local bank accounts

Send straight to a local bank account or mobile money wallet in five countries. They receive their own currency, in their own bank, in seconds.

Download on the App StoreGet it on Google Play

Five countries · Bank accounts and mobile money · No account needed on their side

The Kite app reviewing a transfer: 3,000 naira to Emmanuel at First Bank of Nigeria, costing 2.27 USDC, with the Kite fee sponsored and a slide-to-pay control

Launching first in

  • Philippines
  • Vietnam
  • Nigeria
  • Egypt
  • Mexico
  • Philippines
  • Vietnam
  • Nigeria
  • Egypt
  • Mexico
  • Philippines
  • Vietnam
  • Nigeria
  • Egypt
  • Mexico
  • Philippines
  • Vietnam
  • Nigeria
  • Egypt
  • Mexico
  • Philippines
  • Vietnam
  • Nigeria
  • Egypt
  • Mexico

Sending money home today

Six things that make a local transfer hard

Today

Sell, withdraw to your bank, then send again

Straight to their account

One payment, direct to the account they already use. No exchange in the middle, no separate withdrawal, no second transfer at the other end.

0123456789Adaeze Okonkwo
Today

You find out you mistyped a digit after it’s gone

See the name first

Where the local rail supports it, Kite reads back the registered account holder before you send, so you are looking at a person, not a row of digits.

₦50,00032.30 USD · rate locked
Today

The real rate shows up on the receipt

The amount, before you confirm

The exact amount and rate, shown before you confirm. No surprises. The fee sits inside that number rather than appearing at the end.

daysseconds
Today

It clears sometime next working day

Settled in seconds

Transfers settle in seconds, over the rails their bank already uses. No correspondent chain, no waiting on a cut-off time.

Today

Your money sits with someone else while it moves

Your wallet. Your control.

Non-custodial. Every payment is signed by you, so funds never leave your control until you confirm. Kite never holds a balance in the middle.

Today

A different provider for every corridor

One app, every local rail

Bank networks in Nigeria, SPEI in Mexico, InstaPay in the Philippines. Kite meets each country on its own rail, so there is nothing new to sign up for each time.

None of this needs a bank in the middle. See the three steps →

How it works

Send to a local bank in 3 simple steps

  1. 01

    Choose

    Pick the country, then enter their bank account or mobile number.

    The Kite app's country sheet: Nigeria and the Philippines suggested, then Brazil, Egypt, Kenya, Mexico, Nigeria and the Philippines with the local rail and currency for each
  2. 02

    Review

    See the exact amount before you pay, then slide to pay.

  3. 03

    Confirm

    Authenticate with Face ID. That’s it, sent.

Download on the App StoreGet it on Google Play

Where it works

Five countries. Local rails in every one.

Kite settles over the payment infrastructure people already use. Money arrives the way they expect it to, in the currency they spend.

Tap a flag to see its local rails.

More countries in every region as local partners come online.

Questions

Everything else worth knowing.

No. They need a bank account or mobile money wallet in a supported country. Money arrives in local currency the same way it would from any domestic transfer. No app, no account, nothing to set up.

Kite shows one total before you authorise, with nothing added afterwards. The transfer fee is already inside the amount you see, and the blockchain network fee is on us.

Seconds. The payment confirms, then settles over the local rail to their account. Kite tracks both steps and tells you when it lands.

Your Kite wallet balance, held in USD-pegged digital dollars. Kite converts to the recipient’s local currency at the rate shown and settles to their bank. You never touch an exchange, and they never touch crypto.

No. Kite is non-custodial. Funds move directly from your own wallet when you authorise the payment. Kite never takes possession, custody or control of your funds or private keys.

Your money was made to move.

Experience borderless finance with Kite.

Download on the App StoreGet it on Google Play