Just Say
"Send $200 to Mom"
Meet Kora—the AI that sends money home for you. No menus. No forms. Just conversation. Zero transfer fees—we make a small margin on exchange rates, and we show you exactly what it is.
The Future of Remittance is Here
While others make you tap through endless screens, Stratum Remit lets you just talk.
Meet Kora, Your AI Assistant
The industry's first conversational AI for cross-border transfers. Say "Send $200 to Mom" and Kora handles everything—recipient selection, amount, confirmation. No forms to fill.
Voice-Powered Transfers
Speak naturally. "Send money to my sister for her birthday" or "What's the rate to Nigeria today?" Kora understands context and intent, not just keywords.
Smart Recommendations
Kora learns your patterns. She'll remind you about Mom's birthday, suggest the best time to send based on rates, and alert you when exchange rates are favorable.
Zero Transfer Fees
We never charge transfer fees. We make a small margin on exchange rates—typically 1-2%—and we show you the exact rate before you send. You may pay a small fee to your exchange when purchasing stablecoins (typically 0.5-1.5%).
Lightning Fast Delivery
Most transfers arrive instantly. Some corridors may take up to 15 minutes. Track in real-time and get notified the moment your recipient receives the money.
Transparent Pricing
We make money on a small margin in the exchange rate—and we show you exactly what it is. No surprises, no hidden costs.
How We're Different
Traditional remittance apps vs. Stratum Remit's AI-powered approach
Ready to experience the future of remittance?
Try Stratum Remit FreeSending Money Has Never Been This Easy
Fund with Stablecoins
Buy USDC or USDT on Coinbase or any exchange, then transfer to your Stratum Remit wallet. By using stablecoins, we eliminate the banking fees other services pass on to you. One-time setup takes about 15 minutes.
Just Talk to Kora
Open the app and speak naturally: "Hey Kora, send $200 to Mom in Lagos." She understands you like a friend would.
Money Arrives Instantly
Your recipient gets notified right away. Most transfers land in their bank account or mobile wallet instantly — some corridors may take up to 15 minutes.
Earn Rewards Every Time You Send
We reward your loyalty with Amazon gift cards. The more you send, the bigger the reward. No points to track, no hoops to jump through.
Send to 44 Countries Worldwide
AI-powered, fee-free transfers to Africa, Mexico, Europe, and beyond. Expanding to 60+ countries in 2026.
Americas
People Are Talking
See why thousands are switching to AI-powered remittance.
“I literally just said 'send $500 to my mom' and it was done. No forms, no screens, nothing. Took maybe 30 seconds. I'm never going back to Western Union.”
“The voice feature is really cool and the transfers are fast. I wish the app had a way to pay directly with a debit card though — having to buy USDC first adds an extra step. But once you're set up it's smooth.”
“Sent money to my brother in Kampala and it hit his account in like 10 minutes. The rate was better than what I was getting on Remitly too. Solid app.”
“Kora texted me when the Naira rate dipped and I ended up saving about $50 on my transfer. The rate alerts alone make this worth using. Really smart feature.”
“I send money home to Kampala every month for my parents. No fees means more shillings actually reach them. Setup took a bit since I had to figure out the USDC thing but after that it's been great.”
“M-Pesa delivery was instant. My sister called me while I was still holding my phone asking if I meant to send money lol. Works exactly as advertised.”
The Future of Sending Money is Conversation
Join thousands who've discovered a better way to send money home.