Sec.001 — Worldwide money
Money that moves with you.
Send money to 30+ countries from 1%. Real exchange rates, no hidden spread, no surprise at the other end. Spend anywhere Mastercard is accepted.
Sec.002 — Why this exists
Moving money is broken, and everyone just accepts it.
These are the real global averages people pay today. Not marketing figures — World Bank data, Q3 2025.
What a traditional bank charges on an average international transfer.
The global average for money transfer operators like Western Union.
What crypto on-ramps quietly charge — often hidden inside the exchange rate.
How long a "fast" international bank transfer still takes to arrive.
Sec.003 — What you get
Everything money should already do.
Send in seconds
Money arrives in seconds, not days. Bank accounts, mobile money, or straight to a phone number.
Real exchange rates
The rate you see on Google. We show our fee separately — never buried inside the rate.
Spend anywhere
A Mastercard that works in 210 countries. Virtual instantly, physical if you want one.
Only yours
Self-custody by design. Your keys stay on your device — we can't freeze what we don't hold.
Sec.004 — Everything we do
One account. Fourteen things it does.
Most apps do one of these and charge you for the privilege. Here's the whole list, with what each one costs — before you sign up, not after.
Hold your balance in dollars. It doesn't melt when your local currency does.
FREEBank transfer, debit card, or crypto deposit. Lands in seconds.
FROM 1.5% · CRYPTO FREETo a bank, mobile money wallet, or just a phone number. 30+ countries.
FROM 1.0%Straight to a local bank account or mobile wallet in the local currency.
FROM 1.0%Best price across 7 chains, routed automatically. Live today.
1.5%Virtual instantly, physical if you want one. Works in 210 countries.
FREE TO SPENDYour idle balance earns while it waits. No lock-up, withdraw any time.
YOU EARNBorrow against your crypto without selling it. You stay in control.
0% OUR FEETop up any phone in 170+ countries. Send credit home in seconds.
NO FEEData in 190+ countries the moment you land. No roaming bill.
NO FEEHundreds of brands, delivered instantly. Pay from your balance.
NO FEEElectricity, TV, water — pay bills back home from anywhere.
NO FEECashback on card spend and a bonus when a friend joins.
YOU GET PAIDLose your phone, keep your money. Encrypted recovery you control.
FREESec.005 — Do the maths yourself
See exactly what you'd keep.
Move the slider. Pick where it's going. We'll show you the real cost — ours and theirs, side by side.
They receive
Comparison rates: World Bank Remittance Prices Worldwide, Q3 2025 (bank and money-transfer-operator global averages). Vayoma's fee varies by corridor. The exact fee is always shown before you confirm.
Sec.006 — The honest part
Everyone else hides the fee in the rate.
Sending $1,000 to Nigeria. Same money, same day — here's what each one actually costs you.
| Provider | Fee | They receive | Difference |
|---|---|---|---|
| ✓ Vayoma | 2.5% | $975.00 | best rate |
| ✗ MoonPay | ~4.5% | $955.00 | −$20.00 |
| ✗ Western Union | ~5.5% | $945.00 | −$30.00 |
| ✗ Traditional bank | ~15% | $850.00 | −$125.00 |
Comparison rates: World Bank Remittance Prices Worldwide (bank and money-transfer-operator averages, Q3 2025) and providers' published pricing, July 2026. Vayoma's fee varies by corridor — from 1% on major routes. We always show the exact fee before you confirm.
Sec.007 — Getting started
Three steps. About two minutes.
Open your account
Email and a photo of your ID. No branch, no paperwork, no waiting for a letter in the post.
Add money
Bank transfer, card, or crypto. Your balance is held in dollars, so it doesn't melt when your local currency does.
Send it, spend it, grow it
Send worldwide, tap to pay anywhere Mastercard works, or earn on what's sitting still.
Sec.008 — Idle money
Your balance shouldn't just sit there.
A dollar balance that earns while you're not using it. No lock-ups, no notice period — move it the moment you need it.
- Withdraw any time — nothing is locked
- You choose whether to opt in. It's off by default
- Rates are variable and shown live, never promised
Sec.009 — Custody
We can't freeze what we don't hold.
Most apps hold your money and can freeze it. Vayoma is built the other way round — your keys are generated and stored on your own device.
- Self-custody by default — not an advanced setting
- Encrypted recovery, so a lost phone isn't a lost balance
- Regulated partners handle the money legs, under their licences
Sec.010 — The card
Three cards. Pick the one that fits.
Every tier spends from the same dollar balance, anywhere Mastercard is accepted. No credit check, no minimum balance, cancel whenever.
- Virtual card, issued instantly
- Spend in 210 countries
- 2% currency conversion
- 2 free ATM withdrawals a month
- Physical card — $9 one-time
- Standard support
- Everything in Standard
- Physical card included, free delivery
- 0.5% currency conversion
- Unlimited free ATM withdrawals
- Send at the lowest corridor rate
- Priority support, under an hour
- Everything in Plus
- Brushed-metal card, engraved
- 0% currency conversion
- Highest earn rate on idle balance
- Higher daily limits
- Dedicated account manager
Card issued by a licensed partner under Mastercard rules. Conversion fee applies when you spend in a currency other than your balance currency. ATM operators may charge their own fee. Metal card ships in 2–3 weeks.
Sec.011 — Reach
Built for the corridors that actually matter.
The routes where the old system charges the most and delivers the least.
Sec.012 — Questions
The things people actually ask.
How do you make money if you're this cheap?
Our wholesale cost is a fraction of a percent, because we plug directly into the settlement layer instead of reselling someone else's app. We charge from 1%, show it openly, and still make a healthy margin. The old players charge 5–15% because nobody made them explain why.
Is my money safe?
Your keys are generated and held on your device — we can't move or freeze your balance. The regulated money legs (card issuing, bank payouts) run through licensed partners under their licences. Vayoma is a technology company, not a bank, and digital assets are not government-insured.
What does it actually cost?
From 1% on major corridors, up to 2.5% on routes where the local payout costs more. Card spending is free; currency conversion on the card is 2%. There's no monthly fee and no minimum balance. The exact fee always appears before you confirm — never hidden in the exchange rate.
How fast does money arrive?
Most transfers settle in under a minute. Local payout rails — M-Pesa, Pix, SPEI, UPI, InstaPay — deliver in seconds once the transfer clears. Bank transfers in slower corridors can take a few hours.
Which countries can I send to?
30+ countries today, with the deepest coverage across Africa, Latin America, South Asia and South-East Asia. The card works anywhere Mastercard is accepted — around 210 countries and territories.
Do I need to understand crypto to use this?
No. Your balance is in dollars, you send dollars, and the recipient gets their local currency. Stablecoin rails run underneath because they're faster and cheaper than correspondent banking — but you never have to think about it.
Sec.013 — Start
Your money. Only yours.
Open an account in two minutes. Free forever, no monthly fee.