Crypto Remittances
Crypto Remittances evaluated across the value delivered from a USD 200 send, proof that your corridor and its payout method are live, the burden on the recipient, and the payout partner and regulatory exposure on both legs.
7providers tracked
7ranked (methodology v2026.11.1)
12 November 2026Ranking snapshot
28 October 2026oldest read · due 12 DecIndependent. Evidence-based.We rank with a published method and sourced evidence. No one can pay to rank.How it works
Set your country and amount to see your costs ·
Your setup
What your country changes
Pick a country to see which remittance corridors serve it. Nothing is hidden — any that does not is listed with that reason.- 🇺🇸 United States
- 🇨🇦 Canada
- 🇲🇽 Mexico
- 🇬🇧 United Kingdom
- 🇩🇪 Germany
- 🇫🇷 France
- 🇮🇹 Italy
- 🇪🇸 Spain
- 🇳🇱 Netherlands
- 🇨🇭 Switzerland
- 🇸🇪 Sweden
- 🇳🇴 Norway
This affects provider availability.
Requirements (0)
Preferences (0)
Preferences re-weight Fit for you, which needs your country.
More filters
Funding & access
7 providers match your requirements
Out of 7 ranked providers. 0 excluded.
What this ranks
Ranked here: consumer remittance services where one person pays so that a different, named person in another country receives local currency, with a blockchain rail in the path.Not ranked here: offramps where payer and payee are the same person, fiat-to-crypto purchases, crypto payroll, peer-to-peer marketplaces, and payout APIs sold to platforms rather than to people sending money home.7 of the 7 assessed are ranked.Requirements narrow the list; they never change a published ChainChoice Score. How the ranking works
Morse (formerly Sling Money)
How Morse (formerly Sling Money) was chosen
Leads this ranking on Delivered Value at USD 200Solana-stablecoin consumer money app by Avian Labs — rebranded from Sling Money on 15 April 2026
81 / 100 out of 100published score, #1 of all 7 worldwide
Evidence
High
4/4 criteria scored, with 4 dated sources quoted.Delivered Value at USD 200Corridor Proof and Payout MethodRecipient Burden
Why it leads
- Morse (formerly Sling Money) is 3 points ahead of Félix Pago, mainly on where it is available, not on the published criteria.
- Best in this ranking on delivered value (9/10; next 8/10)
- Ahead of Félix Pago on availability, outside the published criteria (+2.6 points; +0.0 points on the criteria)
Tradeoff
Recipient burden: 2 points below the best in this ranking
Share
#ProviderPriceCompare
2
WhatsApp-native US-to-Latin America remittance...
78 / 100 out of 100
3
A $1.99 flat fee and a published 1:1 USD→USDC...
73 / 100 out of 100
4
Zero-transaction-fee consumer remittance inside...
69 / 100 out of 100
5
Western Union's USDPT is a live Solana token
62 / 100 out of 100
6
Africa-focused Bitcoin/stablecoin app
47 / 100 out of 100
7
A cash payout network the provider states spans...
≤41 / 100 out of 100
Compare providers (0)
See key differences in features, fees, security and more.
Corridor proof
Corridor Proof and Payout Method
25% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.
| Provider | Corridor proof (0–10) | ChainChoice Score |
|---|---|---|
| Félix Pago | 10 | 78 |
| Morse (formerly Sling Money) | 9 | 81 |
| Remitly (stablecoin rails) | 7 | 73 |
| Bitnob | 7 | 47 |
| Strike Send Globally | 6 | 69 |
| MoneyGram (Ramps / MGUSD on Stellar) | 5 | 41 |
| Western Union (USDPT on Solana) | 3 | 62 |
Payout partner regulatory
Payout Partner and Two-Leg Regulatory Exposure
18% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.
| Provider | Payout partner regulatory (0–10) | ChainChoice Score |
|---|---|---|
| Félix Pago | 9 | 78 |
| Western Union (USDPT on Solana) | 8 | 62 |
| Morse (formerly Sling Money) | 7 | 81 |
| Strike Send Globally | 7 | 69 |
| MoneyGram (Ramps / MGUSD on Stellar) | 7 | 41 |
| Remitly (stablecoin rails) | 6 | 73 |
| Bitnob | 3 | 47 |
Delivered value
Delivered Value at USD 200
35% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.
| Provider | Delivered value (0–10) | ChainChoice Score |
|---|---|---|
| Morse (formerly Sling Money) | 9 | 81 |
| Remitly (stablecoin rails) | 8 | 73 |
| Félix Pago | 6 | 78 |
| Western Union (USDPT on Solana) | 5 | 62 |
| Bitnob | 4 | 47 |
| Strike Send Globally | 3 | 69 |
| MoneyGram (Ramps / MGUSD on Stellar) | 2 | 41 |
Recipient burden
Recipient Burden
22% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.
| Provider | Recipient burden (0–10) | ChainChoice Score |
|---|---|---|
| Félix Pago | 10 | 78 |
| Morse (formerly Sling Money) | 8 | 81 |
| Strike Send Globally | 8 | 69 |
| Bitnob | 8 | 47 |
| MoneyGram (Ramps / MGUSD on Stellar) | 4 | 41 |
| Remitly (stablecoin rails) | 3 | 73 |
| Western Union (USDPT on Solana) | 3 | 62 |
All 4 published criteria
Every ranked row’s score on each criterion, in the published order. Choose a column to order by it.
| Provider | ChainChoice Score | |||||
|---|---|---|---|---|---|---|
| 1 | Morse (formerly Sling Money) | 9 | 9 | 8 | 7 | 81 |
| 2 | Félix Pago | 6 | 10 | 10 | 9 | 78 |
| 3 | Remitly (stablecoin rails) | 8 | 7 | 3 | 6 | 73 |
| 4 | Strike Send Globally | 3 | 6 | 8 | 7 | 69 |
| 5 | Western Union (USDPT on Solana) | 5 | 3 | 3 | 8 | 62 |
| 6 | Bitnob | 4 | 7 | 8 | 3 | 47 |
| 7 | MoneyGram (Ramps / MGUSD on Stellar) | 2 | 5 | 4 | 7 | 41 |
How this ranking works
How firm the #1 is, the per-criterion arithmetic behind each score, who pays ChainChoice, and which crypto remittances were assessed and left out.
FirmThis verdict holds under every one-point re-read
See the arithmetic
Every published criterion was moved up and down by one point and the ranking re-run. The same product came first each time. The published rankings file
Why this score4 published criteria · leads 1 of 4
Published criterionWtScore, and the best hereGap/10 out of 10Pts
Delivered Value at USD 2008.4·910.1
Corridor Proof and Payout Method6−197.2
Recipient Burden5.3−285.6
Payout Partner and Two-Leg Regulatory Exposure4.3−274.0
Σ methodology points26.9/32
Each bar is the score on that criterion’s own 0–10 scale, never rescaled to the pool. The dark line is the best any product here reached on that axis. Wt is the most the criterion can add to the 86-point weighted total. Pts is weight × score × 32; the sum is the methodology score, and each weighted point behind the leader costs 2.6 on the displayed score. how these are weighted
Why it ranks first
Why Morse (formerly Sling Money) leads this category right now
Solana-stablecoin consumer money app by Avian Labs — rebranded from Sling Money on 15 April 2026 — that pays a named recipient's Mexican CLABE, Brazilian Pix key, Colombian Bre-B key, European IBAN or US bank account in local currency with no account needed on the receiving end, covering roughly 51 of the 156 markets its /countries page listed on 2026-09-28; the other ~105, chiefly the African mobile-money markets, require the recipient to install Morse and pass KYC. Strongest on delivered value at USD 200 (9/10): Morse states "We use the real exchange rate with no markup" and charges $0.50 or 0.25% to a Mexican CLABE, whichever is more. Its converter, open without an account, shows 17.7937 pesos per dollar against a 17.7987 mid on 28 September 2026, about 0.28% all-in on $200. Weakest on payout partner and two-leg regulatory exposure (7/10): Morse publishes Dutch AFM registration 41000005, FinCEN MSB number 31000327638265 and NMLS 2639252. It names no institution that pays out in the destination country, saying only that it works "with regulated partners worldwide"; Lead Bank and Bridge are named for its card programme only. Published price: https://morsemoney.com/fees (fetched 2026-10-28, HTTP 200) no longer prints the fee table quoted on 2026-09-28; it now says "most transactions are free.
Best for
Delivered Value at USD 200 — 9/10
Main tradeoff
DEDUPLICATION REQUIRED — still the single most important finding, and re-confirmed. "Sling Money" and "Morse" are the same product: sling.money 301-redirects to morsemoney.com (verified by curl 2026-08-12), the app listing is "Morse (formerly Sling Money)", the press release "Sling Money Rebrands to Morse" is dated April 15, 2026, and Delaware's register still carries the d/b/a "Sling Money". If a "morse" entry also exists in Remittances, it and sling_money must be merged. Second: the rubric's corridor_proof 3-4 band asserts Morse publishes "150+ countries with no per-country payout method" and asterisked closed-beta entries. That asserted absence is false — a 148-article per-country collection publishes deposit and withdrawal methods and names the operators, and on 2026-09-28 the beta share is 16/156 = 10.3%, none of them a remittance destination. Third, the rubric's recipient_burden 0-2 band cites Morse for having "no local-currency payout"; that is true only of Rwanda and of the mobile-money markets pre-KYC, not of the ~51 direct-payout markets. Fourth, scope: Morse is primarily a multi-currency consumer account (US stocks, Visa card issued by Lead Bank, Account Details for payroll) whose default flow is wallet-to-wallet between two Morse users, which is not a remittance. It qualifies here only through the direct-to-CLABE/Pix/IBAN/Bre-B/US-bank payments where payer and payee are different people and the payee has no Morse account — that is the product I priced and scored. Note the sender may not be resident in Europe for any of those rails, and per-transaction caps run USD 2,500-2,999.
Verify before signup
https://
Recommendation summary
What should decide this category
What does the named recipient actually receive, once the exchange-rate margin is counted alongside the advertised fee?
Is your exact corridor on the vendor's own list, with the payout method named — bank, mobile money or cash agent?
What must the receiver install, hold or prove before the money is spendable where they live?
Who actually pays out in the destination country, and what is published about licensing on both legs?
Quick picks
Strong options in this category
Start with the lead choice first, then use the shortlist only if you still need a challenger or stronger fit for a specific setup.
Best overall
Morse (formerly Sling Money)
Solana-stablecoin consumer money app by Avian Labs — rebranded from Sling Money on 15 April 2026 — that pays a named recipient's Mexican CLABE, Brazilian Pix key, Colombian Bre-B key, European IBAN or US bank account in local currency with no account needed on the receiving end, covering roughly 51 of the 156 markets its /countries page listed on 2026-09-28; the other ~105, chiefly the African mobile-money markets, require the recipient to install Morse and pass KYC.
Solana-stablecoin consumer money app by Avian Labs — rebranded from Sling Money on 15 April 2026 — that pays a named recipient's Mexican CLABE, Brazilian Pix key, Colombian Bre-B key, European IBAN or US bank account in local currency with no account needed on the receiving end, covering roughly 51 of the 156 markets its /countries page listed on 2026-09-28; the other ~105, chiefly the African mobile-money markets, require the recipient to install Morse and pass KYC. Strongest on delivered value at USD 200 (9/10): Morse states "We use the real exchange rate with no markup" and charges $0.50 or 0.25% to a Mexican CLABE, whichever is more. Its converter, open without an account, shows 17.7937 pesos per dollar against a 17.7987 mid on 28 September 2026, about 0.28% all-in on $200. Weakest on payout partner and two-leg regulatory exposure (7/10): Morse publishes Dutch AFM registration 41000005, FinCEN MSB number 31000327638265 and NMLS 2639252. It names no institution that pays out in the destination country, saying only that it works "with regulated partners worldwide"; Lead Bank and Bridge are named for its card programme only. Published price: https://morsemoney.com/fees (fetched 2026-10-28, HTTP 200) no longer prints the fee table quoted on 2026-09-28; it now says "most transactions are free.
Best for: Delivered Value at USD 200 — 9/10
Delivered Value at USD 200 · weight 35%9/10Corridor Proof and Payout Method · weight 25%9/10Recipient Burden · weight 22%8/10Payout Partner and Two-Leg Regulatory Exposure · weight 18%7/10
Quick pick
Félix Pago
WhatsApp-native US-to-Latin America remittance service funded in USDC behind the scenes, paying out in local currency to bank accounts, cash agents and local wallets across 11 documented corridors, with a US money-transmitter licence (NMLS 2302775) that resolves on a state register and named payout institutions in ten of them; Brazil, live via Pix on 2026-09-28, has no institution pages yet.
WhatsApp-native US-to-Latin America remittance service funded in USDC behind the scenes, paying out in local currency to bank accounts, cash agents and local wallets across 11 documented corridors, with a US money-transmitter licence (NMLS 2302775) that resolves on a state register and named payout institutions in ten of them; Brazil, live via Pix on 2026-09-28, has no institution pages yet. Strongest on corridor proof and payout method (10/10): Félix publishes send pages for 11 destination countries and 205 per-institution pages naming payout partners, such as OXXO ($200 limit), Walmart ($1,500) and Telecomm ($5,000) in Mexico. Brazil is live via Pix, and Guatemala lists bank, mobile-wallet and cash-pickup payout. No corridor is beta or waitlisted. Weakest on delivered value at USD 200 (6/10): To Mexico, Félix charges $2.99 to a bank and $4.98 for cash pickup. Its public rate feed shows 17.39 pesos per dollar against a 17.80 mid-market rate on 28 September 2026, about 3.8% all-in on $200 to a bank and 4.8% for cash. First-transfer promotions are excluded. Published price: From https://www.felixpago.com/en/send-money/mexico (fetched 2026-10-28, HTTP 200): "Transfers to bank accounts $2.99 USD", "Cash transfers to stores $4.98 USD", "Félix fees are subject to change." and "To send money to a bank account in Mexico, you pay a fee…
Best for: Corridor Proof and Payout Method — 10/10
Delivered Value at USD 200 · weight 35%6/10Corridor Proof and Payout Method · weight 25%10/10Recipient Burden · weight 22%10/10Payout Partner and Two-Leg Regulatory Exposure · weight 18%9/10
Quick pick
Remitly (stablecoin rails)
A $1.99 flat fee and a published 1:1 USD→USDC rate put Remitly's crypto-wallet payout at about 1.0% of a $200 send, a sender leg only Morse undercuts in the pool (about 0.28% on 2026-09-28) — but it delivers USDC to a wallet in exactly two countries, never local currency, and hands the entire naira/peso last mile to third parties it explicitly disclaims.
A $1.99 flat fee and a published 1:1 USD→USDC rate put Remitly's crypto-wallet payout at about 1.0% of a $200 send, a sender leg only Morse undercuts in the pool (about 0.28% on 2026-09-28) — but it delivers USDC to a wallet in exactly two countries, never local currency, and hands the entire naira/peso last mile to third parties it explicitly disclaims. Strongest on delivered value at USD 200 (8/10): Remitly charges $1.99 from a bank account for stablecoin sends and states a 1:1 rate with "no exchange-rate markup", about 1% on $200 to Nigeria. What arrives is USDC, not naira, and the cost of converting it at a local exchange is not published. Weakest on recipient burden (3/10): The recipient needs "A crypto wallet that supports USDC on a compatible blockchain network" and, to reach naira, a third-party exchange such as Yellow Card. Remitly states that it "does not convert, hold or transfer digital assets as part of the stablecoin payout service." Published price: From https://www.remitly.com/us/en/landing/send-stablecoin-with-remitly (fetched 2026-09-28, HTTP 200).
Best for: Delivered Value at USD 200 — 8/10
Delivered Value at USD 200 · weight 35%8/10Corridor Proof and Payout Method · weight 25%7/10Recipient Burden · weight 22%3/10Payout Partner and Two-Leg Regulatory Exposure · weight 18%6/10
Quick pick
Strike Send Globally
Zero-transaction-fee consumer remittance inside the Strike app that routes USD over Bitcoin's Lightning Network to a third-party payout partner in 13 documented countries, delivering local currency into the recipient's existing bank, mobile-money, debit-card or CLABE account — with the entire cost buried in an in-app FX margin Strike admits to but never publishes.
Zero-transaction-fee consumer remittance inside the Strike app that routes USD over Bitcoin's Lightning Network to a third-party payout partner in 13 documented countries, delivering local currency into the recipient's existing bank, mobile-money, debit-card or CLABE account — with the entire cost buried in an in-app FX margin Strike admits to but never publishes. Strongest on recipient burden (8/10): Read again on 2026-10-28 on Strike's support article and Send Globally guide: a recipient with a verified account at Strike's local partner needs only a phone number, and money lands as local currency in an existing bank, mobile-money, debit-card or CLABE account, with no crypto. Weakest on delivered value at USD 200 (3/10): Strike charges no transaction fee for Send Globally but applies an in-app "all-in" rate that includes a margin it does not publish, and no public USD-to-MXN rate exists, so the cost of $200 cannot be computed. Read again on 2026-10-28 on Strike's support article. Published price: From https://strike.me/us/en/support/can-i-send-money-globally/ (fetched 2026-10-28, HTTP 200; the August FAQ URL now redirects to the support centre): "The “all-in” exchange rate determines what the recipient receives.
Best for: Recipient Burden — 8/10
Delivered Value at USD 200 · weight 35%3/10Corridor Proof and Payout Method · weight 25%6/10Recipient Burden · weight 22%8/10Payout Partner and Two-Leg Regulatory Exposure · weight 18%7/10
Considered and not ranked
None left out by name
We assessed 7 products here and rank all 7. No product has been turned away by name; when one is, its name and the reason appear here. Evidence last read 28 October 2026.
What this ranking does not assess
- Control failure: a key or vote changes the rules, freezes or mints.
- Liveness failure: the operator stops, censors you or loses data.
- Custody failure: whoever holds the assets loses or withholds them.
- Insolvency failure: the firm or issuer that owes you cannot pay.
- Exit failure: you cannot get out at par, on time, or with what is yours.
- Information failure: the number is wrong or bought, or your data leaks.
These can still cost you money here; the ranking does not measure them, so a high place says nothing about them. Which criterion scores each family, and why the others do not apply, is in /data/risk-coverage.json.
How this ranking is built
Reviewed on delivered value at USD 200, corridor proof and payout method, recipient burden, and payout partner and two-leg regulatory exposure.
Data checked Oct 2026 · Independent rankings · We show our work
How this page is reviewed
Reviewed means every product ranked on this page was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
Direct answer
What is the best remittance corridor in 2026?
Morse (formerly Sling Money) ranks #1 overall for crypto remittances on ChainChoice. Solana-stablecoin consumer money app by Avian Labs — rebranded from Sling Money on 15 April 2026 — that pays a named recipient's Mexican CLABE, Brazilian Pix key, Colombian Bre-B key, European IBAN or US bank account in local currency with no account needed on the receiving end, covering roughly 51 of the 156 markets its /countries page listed on 2026-09-28; the other ~105, chiefly the African mobile-money markets, require the recipient to install Morse and pass KYC. It holds that rank under an affiliate-blind methodology scored across 4 published, weighted criteria — the code that ranks providers physically cannot read affiliate payouts (CI-enforced), so a payout can't move a rank. The verdict re-computes on every fee change, incident, or regulatory action; the full reasoning and the audit receipt are under Methodology.
How you can lose money here, and what the ranking scores
- Regulatory failure: no licence where you are, or a forced market exit.Scored by Payout Partner and Two-Leg Regulatory Exposure · 18% (Morse (formerly Sling Money) 7/10, Félix Pago 9/10, Remitly (stablecoin rails) 6/10)
- Execution failure: you get a worse price, later, or nothing.Scored by Corridor Proof and Payout Method · 25% (Morse (formerly Sling Money) 9/10, Félix Pago 10/10, Remitly (stablecoin rails) 7/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means.
Also scored, as cost, quality or a summary of several families: Delivered Value at USD 200 (35%), Recipient Burden (22%).
FAQs
4 questions readers ask before choosing crypto remittances.
Frequently asked
Questions people ask before choosing remittances
Why is the advertised fee not the price?
Because the fee is the disclosed half and the exchange-rate margin is the undisclosed one. Every product in this pool publishes a fee; not one publishes the margin it takes against the mid-market rate, and that margin is folded into the rate quoted at the moment of the send, so it never appears as a line item. A sender comparing a stated fee against a "no fees" claim is comparing the wrong number. Two of the seven also lead with a promotional first-transfer rate, so this page prices every product as a RETURNING customer — the second send is the one that repeats. Cost is measured on a stated USD 200 because size changes the answer: a flat charge is a small percentage of a large transfer and a punitive one of a small transfer, and the neighbouring pages on this site each anchor a different, larger size that tells a remittance sender nothing.
Does the advertised country count mean my corridor works?
No, and the gap between a marketing count and an enumerable corridor list is the most reliable signal in this category. The best disclosure here publishes per-corridor pages naming the receiving country, the payout method and the institutions actually paying out; the weakest offers a headline number of countries with no per-country payout method at all, and some destinations gated behind invite codes. A corridor announced in a press release but absent from the product's own list is scored as not live. Verify your specific send-and-receive pair before committing, because a remittance product with the wrong corridor is not a worse product — it is a useless one.
What does the person receiving the money have to do?
This is the question sender-facing pricing pages never answer, and it carries 22% of the weight because the recipient is the only participant who did not choose the rail. The range is wide. At the light end the receiver presents a government ID at a shop counter, or already holds the bank account or mobile-money number the payout lands in — no app, no vendor account, no crypto. At the heavy end they must hold a specific stablecoin, operate a self-custodial wallet, or route through a third-party exchange account before the value is spendable locally. That burden has been moved off the price page and onto someone who frequently has no smartphone, no bank account and no reason to learn what a wallet is — and it is the most common reason a technically cheap transfer never completes.
Is a crypto rail the same thing as the company that owns it?
No, and conflating them gives you the wrong map. A large remitter can move money to a country every day on its fiat rails while its stablecoin product does not serve that country at all — which is exactly the case for the anchor corridor used on this page. Read the corridor list for the RAIL being scored, not for the brand. The same distinction cuts the other way at Western Union, whose consumer sending flow mentions no blockchain anywhere: the stablecoin is a recipient-side opt-in initiated inside the receiver's app and applicable only to transfers originally sent for cash pickup, so the sender never chooses the rail at all.
Free advisor·No signup needed
Still unsure? Get your best remittances pick
Answer a few quick questions and get one clear recommendation based on how you actually plan to use crypto — then review the evidence before deciding.
No signup·Free first pass · Private·No spam · No account
Not financial advice · Independent · Always do your own research
Best picks
Best crypto remittances in 2026
Every product here publishes a fee, and none publishes the exchange-rate margin it takes against the mid-market rate — frequently the larger of the two. That is why cost is scored as delivered value on a stated USD 200 send, priced as a returning customer rather than on the promotional first-transfer rate two of the seven lead with: a flat charge behaves completely differently at remittance size than at the trade sizes the neighbouring pages anchor. After cost the corridor decides everything, because a sender has exactly one destination and it is not negotiable — so an enumerable list naming the receiving country, the payout method and the institution that pays out is worth more than any marketing country count. Then read what the RECIPIENT must do, since they are the only participant with no choice: at one end they present an ID at a shop counter and need no app, no account and no crypto; at the other they must hold a specific stablecoin and run a wallet before the money is spendable. Two names here are not what you would search for — Sling Money rebranded to Morse in April 2026, and Bitnob's public site is now a business payout API while the consumer send lives only inside its app.
Best overall
Morse (formerly Sling Money)
Solana-stablecoin consumer money app by Avian Labs — rebranded from Sling Money on 15 April 2026 — that pays a named recipient's Mexican CLABE, Brazilian Pix key, Colombian Bre-B key, European IBAN or US bank account in local currency with no account needed on the receiving end, covering roughly 51 of the 156 markets its /countries page listed on 2026-09-28; the other ~105, chiefly the African mobile-money markets, require the recipient to install Morse and pass KYC.
Data checked Oct 2026
Solana-stablecoin consumer money app by Avian Labs — rebranded from Sling Money on 15 April 2026 — that pays a named recipient's Mexican CLABE, Brazilian Pix key, Colombian Bre-B key, European IBAN or US bank account in local currency with no account needed on the receiving end, covering roughly 51 of the 156 markets its /countries page listed on 2026-09-28; the other ~105, chiefly the African mobile-money markets, require the recipient to install Morse and pass KYC. Strongest on delivered value at USD 200 (9/10): Morse states "We use the real exchange rate with no markup" and charges $0.50 or 0.25% to a Mexican CLABE, whichever is more. Its converter, open without an account, shows 17.7937 pesos per dollar against a 17.7987 mid on 28 September 2026, about 0.28% all-in on $200. Weakest on payout partner and two-leg regulatory exposure (7/10): Morse publishes Dutch AFM registration 41000005, FinCEN MSB number 31000327638265 and NMLS 2639252. It names no institution that pays out in the destination country, saying only that it works "with regulated partners worldwide"; Lead Bank and Bridge are named for its card programme only. Published price: https://morsemoney.com/fees (fetched 2026-10-28, HTTP 200) no longer prints the fee table quoted on 2026-09-28; it now says "most transactions are free.
Best for: Delivered Value at USD 200 — 9/10
Browse this network
MS
Written and reviewed by Mathias Siemonsmeier, Founder
Not financial advice · For informational purposes only · Always do your own research