Send, spend, earn and cash out — instantly, anywhere on earth. Vayoma never holds your money, so it's always yours. No bank. No borders. No waiting.
Send, spend, save, and grow — all from a balance that's truly yours.
Money reaches family on M-Pesa, GCash, UPI or their bank — in seconds, not days.
Tap to pay anywhere Visa is accepted, straight from your dollar balance.
Put idle money to work and earn yield — withdraw anytime, no lock-ups.
Get paid like a local — share your account and receive money and salaries.
Move between dollars and crypto in a few taps. Cash out instantly, anytime.
Keep everyone you pay in one place and send again in a single tap.
Same money. A completely different deal.
| Vayoma | Banks | Western Union | Wise | Revolut | PayPal | |
|---|---|---|---|---|---|---|
| Transfer speed | Seconds | 3–5 days | Minutes–days | Hours–2 days | Mins–days | Mins–days |
| Cost to send | Lowest — near‑zero | High (6–8%) | High (5–10%) | Mid | Mid | High |
| Your money is truly yours | ✓ Self-custody | ✗ They hold it | ✗ | ✗ | ✗ | ✗ Can freeze |
| Works in 190+ countries | ✓ | Limited | ✓ | Limited | Limited | Limited |
| Buy & sell crypto | ✓ | ✗ | ✗ | ✗ | Partial | Partial |
| Earn yield on balance | ✓ | Barely | ✗ | ✗ | Partial | ✗ |
| Rewards & cashback | ✓ | ✗ | ✗ | ✗ | Partial | ✗ |
| Card to spend anywhere | ✓ | Partial | ✗ | Partial | ✓ | Partial |
Comparisons reflect typical consumer experience for cross-border money in 2026. With Vayoma, fees are baked into one fair rate — no surprises.
Sign up with your phone or email in seconds. No seed phrase, no paperwork — we create a secure wallet for you.
Top up from your bank, card or local rail — one tap, and your balance is ready to move.
Send home in seconds, spend on your card, earn on your balance, or cash out — all from one app.
From the Gulf to South Asia, Europe to Africa, the Americas and beyond — Vayoma moves your money across borders like they aren't there.
Cashback and rewards on transfers and spending — real money back, all year round.
Bring a friend to Vayoma and you both get rewarded. The more you share, the more you earn.
Every transfer, every card tap, every friend you invite — Vayoma gives back. No gimmicks, no points that expire: real rewards you can spend.
Traditional apps hold your money and can freeze it. Vayoma is different — your balance lives in a secure wallet only you control. We never touch it, and no one can lock you out.
Every Vayoma wallet is secured with modern cryptography, device biometrics, and recovery you control — so your money is safe even if you lose your phone.
Join the money app built for the whole world. Send, spend, earn — in seconds.