The way we send money internationally hasn't fundamentally changed in decades. Yes, apps replaced wire transfer forms, but you're still tapping through the same menus, filling out the same fields, and manually tracking the same information. Until now.
At Stratum Remit, we've built the world's first AI-powered remittance experience. And it's changing everything about how people send money home.
The Problem with Traditional Money Transfer Apps
Even the most modern remittance apps require you to:
- Navigate to the "send money" section
- Select a recipient (or enter their details)
- Choose the destination country
- Enter the amount
- Select delivery method
- Review the exchange rate
- Confirm the transfer
- Wait for processing
That's 8+ steps for something that should be simple. And if you want to know the current exchange rate? You need to go through half those steps just to check.
Meet Kora: Your AI Transfer Assistant
Kora is Stratum Remit's AI assistant—the first of its kind in the remittance industry. She understands natural language, learns your preferences, and handles transfers conversationally.
What Makes Kora Different?
Traditional Chatbots: Rules-based, limited responses, usually just FAQ lookup or routing to human support.
Kora: True AI that understands context, intent, and can complete actual transactions through conversation.
Here's what that means in practice:
You: "Send money to my mom" Kora: "Got it! Sending to Adaeze (Mom) in Nigeria. How much would you like to send?"
You: "$200" Kora: "Perfect. She'll receive ₦316,000 at today's rate. Ready to send?"
You: "Yes" Kora: "Done! Adaeze will receive the money in about 10 minutes. I'll notify you when it arrives."
That's it. Three exchanges, and the transfer is complete.
AI Features That Change Everything
1. Voice-Powered Transfers
Why type when you can speak? Kora understands voice commands:
- "Hey Kora, send $500 to my sister in Ghana"
- "What's the rate to Nigeria today?"
- "Send the same amount to Mom as last month"
- Busy people multitasking
- Users less comfortable with typing
- Quick transfers on the go
2. Smart Recommendations
Kora learns your patterns and proactively helps:
- Birthday reminders: "Your mom's birthday is next week. Would you like to send her something?"
- Rate alerts: "The Naira rate is 3% better today than your last transfer. Good time to send!"
- Pattern recognition: "You usually send to your sister around this time. Should I set that up?"
3. Context Understanding
Unlike basic chatbots, Kora understands context:
You: "Send some money to Nigeria" Kora: "Sure! Who would you like to send to? I see you have 3 recipients in Nigeria: Adaeze (Mom), Chidi (Brother), and Ngozi (Aunt)."
You: "My brother, for his rent" Kora: "Sending to Chidi. How much is his rent this month?"
You: "The usual amount" Kora: "Last time you sent ₦250,000 for his rent. Should I send the same?"
She remembers context, understands references, and makes the conversation natural.
4. Intelligent Error Handling
Made a mistake? Kora handles it gracefully:
You: "Send $200 to Mom in Kenya" Kora: "I see your mom Adaeze is in Nigeria, not Kenya. Did you mean Nigeria, or are you sending to someone else in Kenya?"
No more sending to the wrong place because of a typo.
Why AI Matters for Remittances
Speed Traditional app flow: 2-3 minutes With Kora: 30 seconds
Accessibility Not everyone is comfortable navigating complex app interfaces. Conversation is universal—everyone knows how to talk.
Reduced Errors Kora confirms details conversationally, catching mistakes before they happen.
Emotional Connection Sending money to family isn't just a transaction—it's an act of love. Kora's conversational approach makes it feel more personal, less mechanical.
The Technology Behind Kora
Kora is built on cutting-edge AI technology:
Natural Language Processing (NLP) Kora understands intent, not just keywords. Say "send some cash to my bro" or "transfer money to my brother"—she understands both.
Machine Learning Kora improves with every interaction. She learns your preferences, commonly used phrases, and patterns.
Secure Transaction Handling Despite being conversational, Kora maintains bank-level security. Sensitive transactions require biometric confirmation.
Multi-Language Support Kora speaks English, Spanish, and French, with more languages coming. She can even understand code-switching common in diaspora communities.
Privacy and Security
We know what you're thinking: "Is it safe to handle money through AI?"
Absolutely. Here's how we ensure security:
- Biometric Confirmation: All transfers require fingerprint or face recognition
- Encryption: All conversations are end-to-end encrypted
- No Voice Storage: We process voice commands in real-time but don't store recordings
- Fraud Detection: AI monitors for unusual patterns and protects your account
The Future of AI in Remittances
Kora is just the beginning. Here's what's coming:
Predictive Transfers Kora will anticipate when you need to send money and pre-prepare transfers for your approval.
Multi-Modal Interaction Send a photo of a bill and say "help my mom pay this"—Kora will extract the amount and details.
Financial Insights "Kora, how much have I sent to Nigeria this year?" Get instant insights about your transfer history.
Cross-Border Conversations Connect with recipients through Kora to confirm receipt and chat about the transfer.
Experience AI-Powered Transfers
The best way to understand Kora is to try her. Download Stratum Remit and start a conversation:
- Ask about exchange rates
- Send your first transfer by voice
- Let Kora remind you about important dates
The future of money transfers isn't forms and menus—it's conversation. And that future is here.
Ready to meet Kora? Download Stratum Remit today.