{"license":"CC-BY-4.0","licenseUrl":"https://creativecommons.org/licenses/by/4.0/","attribution":"ChainChoice (https://chainchoice.io)","category":"remittances","evidenceReadAt":"2026-10-28","generatedAt":"2026-11-12","criteria":[{"id":"delivered_value","label":"Delivered Value at USD 200","weight":35},{"id":"corridor_proof","label":"Corridor Proof and Payout Method","weight":25},{"id":"recipient_burden","label":"Recipient Burden","weight":22},{"id":"payout_partner_regulatory","label":"Payout Partner and Two-Leg Regulatory Exposure","weight":18}],"providers":{"felix_pago":{"delivered_value":{"s":6,"q":"Transfers to bank accounts $2.99 USD Cash transfers to stores $4.98 USD | To send money to a bank account in Mexico, you pay a fee starting at $2.99 USD. | The exchange rate may vary throughout the day.","u":"https://www.felixpago.com/en/send-money/mexico","d":"2026-10-28"},"corridor_proof":{"s":10,"q":"Brazil Colombia Costa Rica Ecuador El Salvador Guatemala Honduras Mexico Nicaragua Peru Dominican | Send money to OXXO | Send money to Walmart | Send money to BBVA Bancomer | Send money to Banorte | Send money to Mercado Pago","u":"https://www.felixpago.com/en/send-money/mexico","d":"2026-10-28"},"recipient_burden":{"s":10,"q":"whoever receives the money will withdraw it in cash without requiring a card or bank account. This is because you will only need the transfer reference number, along with a valid identification document. | The beneficiary must present the reference number and a valid official identification.","u":"https://www.felixpago.com/en/send-money/mexico/oxxo","d":"2026-10-28"},"payout_partner_regulatory":{"s":9,"q":"Felix Technologies is an authorized agent of UniTeller, Intermex, and Spectrum Global Payment Solutions, Inc. NMLS 937914, in addition to other licensed money transmitters for part of its services. | FLORIDA RESIDENTS: Felix Technologies Inc.","u":"https://www.felixpago.com/en/licencias","d":"2026-10-28"}},"morse_money":{"delivered_value":{"s":9,"q":"Sending money straight to a bank account, IBAN, Pix key, CLABE, or Bre-B key in a country you don't live in | We use the real exchange rate with no markup. Fees are charged separately and shown on their own line, so you see exactly what you're paying.","u":"https://support.morsemoney.com/en/articles/13773798-how-fees-work","d":"2026-10-28"},"corridor_proof":{"s":9,"q":"In Kenya, you can: | Withdraw money using Mobile money wallet (Safaricom) Stablecoin transfer | Send payments directly to any bank account in the US, Europe, Mexico, and Brazil","u":"https://support.morsemoney.com/en/articles/13770278-kenya","d":"2026-10-28"},"recipient_burden":{"s":8,"q":"You can pay people via their CLABE, even if they don't have a Morse account. | Morse users* can send money directly to a CLABE — making it easy to pay anyone in Mexico, even if they don't have Morse.","u":"https://support.morsemoney.com/en/articles/15060599-send-money-directly-to-clabes","d":"2026-10-28"},"payout_partner_regulatory":{"s":7,"q":"Avian Labs Netherlands B.V. with company registration number 91273323, is authorised by the AFM with Registration Number 41000005. | Outside of Europe, Avian Labs, Inc.","u":"https://morsemoney.com/legal/regulatory-compliance","d":"2026-10-28"}},"moneygram_ramps":{"delivered_value":{"s":2,"q":"Rates shown are indicative and may vary depending on your provider's exchange margin, payment and receive method. | The rate applied is set when the transfer is confirmed and may differ from the indicative rate shown.","u":"https://www.moneygram.com/us/en/currency-converter/usd-to-mxn","d":"2026-10-28"},"corridor_proof":{"s":5,"q":"Give your users cash on-ramps and off-ramps at 480,000+ MoneyGram locations across 170+ countries. | Whether you are building a wallet, exchange, payments app or consumer experience, MoneyGram Ramps gives users a simple way to move between cash and digital assets on Solana and Stellar.","u":"https://xramps.moneygram.com/","d":"2026-10-28"},"recipient_burden":{"s":4,"q":"Download the MoneyGram Wallet app and create a profile if necessary. Check for your transfer in Recent Activity. Hold, withdraw, or send your USDC whenever you'd like. | go to the selected MoneyGram location within 24 hours to complete your transaction. Bring your valid ID.","u":"https://www.moneygram.com/us/en/help-center/faq/services/moneygram-wallet","d":"2026-10-28"},"payout_partner_regulatory":{"s":7,"q":"Authorized to do business in all 50 states, D.C. and all U.S. territories. | Licensed as a Money Transmitter by the New York State Department of Financial Services. | Licensed by the Georgia Department of Banking and Finance; NMLS #898432. | MoneyGram Payment Systems, Inc.","u":"https://www.moneygram.com/us/en/help-center/state-licensing","d":"2026-10-28"}},"western_union_usdpt":{"delivered_value":{"s":5,"q":"Crypto Conversion Fee (using crypto to spend in fiat (FX)) N/A | Cash-Out via ABMT (DAN) $1.99 plus 2% | - Foreign Transaction Fee: 1% for transactions made outside of home country | - Cross Border Fee: None","u":"https://westernunionstablecardlegal.com/international-consumer-card-terms","d":"2026-10-28"},"corridor_proof":{"s":3,"q":"We are building a robust USDPT ecosystem for global money transfers. | Here is what is coming soon: | Money Transfers Received in USDPT | Customers will have the option, in select markets, to receive a money transfer in USDPT stablecoin, 24/7.","u":"https://www.westernunion.com/global/en/digital-assets-stablecoin.html","d":"2026-10-28"},"recipient_burden":{"s":3,"q":"You can apply for Stablecard by Western Union through the Stablecard mobile app. | Yes, identity verification is required to apply for Stablecard by Western Union. | Identity verification is performed by Rain or its authorized service providers.","u":"https://www.westernunion.com/global/en/digital-assets-stablecard/frequently-asked-questions.html","d":"2026-10-28"},"payout_partner_regulatory":{"s":8,"q":"It is important to note that the card is marketed to you by BANEX MICROFINANCE BANK LIMITED (BANEX), a financial institution licensed by the Central Bank of Nigeria (CBN).","u":"https://westernunionstablecardlegal.com/international-consumer-card-terms","d":"2026-10-28"}},"strike_send_globally":{"delivered_value":{"s":3,"q":"The “all-in” exchange rate determines what the recipient receives. Strike calculates it the moment you initiate the transaction, based on rates from its third-party partners plus its own margin. There are no fees on top of that.","u":"https://strike.me/us/en/support/can-i-send-money-globally/","d":"2026-10-28"},"corridor_proof":{"s":6,"q":"Send Globally lets you send money to supported countries, where the recipient receives it in their local currency, deposited into a bank account, debit card, or mobile money account. | Benin | Colombia | Guatemala | Ivory Coast | Philippines | Vietnam","u":"https://strike.me/us/en/support/can-i-send-money-globally/","d":"2026-10-28"},"recipient_burden":{"s":8,"q":"Enter the recipient’s phone number and receiving account details. | You and the recipient only ever handle cash, whereas bitcoin is the rail in between. | If your recipient already has an account with Strike’s local 3rd-party partner, then their phone number will be enough to send them cash.","u":"https://strike.me/us/en/support/can-i-send-money-globally/","d":"2026-10-28"},"payout_partner_regulatory":{"s":7,"q":"Zap Solutions, Inc., d/b/a Strike and Strike.me (NMLS No. 1902919), is licensed in the following U.S. jurisdictions. | Strike has partnered with Osmo in Guatemala to enable transfers from U.S.","u":"https://strike.me/us/en/legal/licenses/","d":"2026-10-28"}},"remitly_stablecoin":{"delivered_value":{"s":8,"q":"You’ll see a 1:1 exchange rate—every U.S. dollar you send is delivered as one USDC. | Remitly offers clear pricing with flat fees and no exchange‑rate markup. | Traditional bank transfers convert funds directly into naira.","u":"https://www.remitly.com/blog/money-transfer/how-to-send-stablecoins-to-nigeria/","d":"2026-10-28"},"corridor_proof":{"s":7,"q":"Send from select U.S. states to crypto wallets in Argentina | Our current corridor countries that support USDC include select U.S. states to Argentina or Nigeria. Availability may vary depending on the recipient’s location and the digital wallet they use.","u":"https://www.remitly.com/us/en/landing/send-stablecoin-with-remitly","d":"2026-10-28"},"recipient_burden":{"s":3,"q":"A crypto wallet that supports USDC on a compatible blockchain network | Many Nigerian platforms—such as Yellow Card or Bundle Africa*—allow users to sell USDC and withdraw funds to a local bank account.","u":"https://www.remitly.com/blog/money-transfer/how-to-send-stablecoins-to-nigeria/","d":"2026-10-28"},"payout_partner_regulatory":{"s":6,"q":"We are authorized to transmit money in all U.S. states and Washington, D.C. | Remitly, Inc. is Licensed as a Money Transmitter by the New York State Department of Financial Services and in PR (TM-143), a Foreign Transmittal Agency in MA, and a Currency Transmitter in RI. NMLS No. 1028236.","u":"https://www.remitly.com/us/en/home/licenses","d":"2026-10-28"}},"bitnob_remit":{"delivered_value":{"s":4,"q":"$0 is charged on withdrawal to bank account | $0 is charged on withdrawal to Mobile Money account | The exchange rate is dependent on the current market price, which you can see displayed on the app's homepage","u":"https://intercom.help/Bitnob-help-center/en/articles/6055972-bitnob-s-transaction-fees","d":"2026-10-28"},"corridor_proof":{"s":7,"q":"Users in the following countries can both fund their wallets (deposit) and withdraw funds (payout) in their local currency: | Nigeria — NGN | Bitnob also supports payouts (withdrawals) to the following local currencies.","u":"https://intercom.help/Bitnob-help-center/en/articles/14685950-supported-local-currencies-on-bitnob","d":"2026-10-28"},"recipient_burden":{"s":8,"q":"The Bitnob Transfer feature allows you to send money directly into bank accounts and mobile money wallets of friends and relatives in African countries. | Select the account or mobile money provider and fill out the details of the account you want to send money to.","u":"https://intercom.help/Bitnob-help-center/en/articles/6928273-how-to-make-direct-transfer-to-nigeria-ghana-kenya-and-other-african-countries","d":"2026-10-28"},"payout_partner_regulatory":{"s":3,"q":"SOC & ISO certified | Licensed partners | Trusted names behind every move, across borders and time zones. | Bitnob is not a bank. Payment services may be provided by licensed financial institutions.","u":"https://bitnob.com/en-US/","d":"2026-10-28"}}}}