Question 1

How can you afford zero transfer fees?

Accepted Answer

We make money on a small margin (1-2%) in the exchange rate. This is more transparent than competitors who charge fees AND hide margins in their rates. You always know exactly what you're paying.

Question 2

What is an FX margin?

Accepted Answer

The FX margin is the difference between the mid-market rate (what banks charge each other) and the rate we offer you. Our margin is typically 1-2%, which is lower than most competitors who charge 3-5% on top of their transfer fees.

Question 3

Are there really no hidden fees?

Accepted Answer

None. The rate you see in the app is the rate you get. No receiving fees, no service charges, no "processing fees." Just the exchange rate with our small margin built in.

Question 4

How do I create an Stratum Remit account?

Accepted Answer

Download the Stratum Remit app from the App Store or Google Play. Sign up with your phone number, verify your identity, and you're ready to send money.

Question 5

What documents do I need to verify my identity?

Accepted Answer

You'll need a valid government-issued ID (passport, driver's license, or state ID) and a selfie. For higher limits, you may need proof of address.

Question 6

How long does verification take?

Accepted Answer

Most verifications are completed within minutes using our automated system. In rare cases, manual review may take 24-48 hours.

Question 7

Will you support more countries?

Accepted Answer

Yes! We currently support 44 corridors across Africa, Europe, and the Americas, and plan to expand to 60+ countries in 2026. If your country isn't listed yet, let us know at support@orokii.com and we'll prioritize it.

Question 8

What is USDC?

Accepted Answer

USDC is a "stablecoin" - it's a digital dollar. 1 USDC always equals $1 USD. It's like having dollars in a digital wallet that can be sent anywhere in the world instantly.

Question 9

What happens if I forget the Stellar memo?

Accepted Answer

Unfortunately, if you send to Stellar without a memo, the funds cannot be recovered. They're lost forever. Always double-check you've included the memo before sending!

Question 10

Which network should I use?

Accepted Answer

We recommend Stellar (cheapest, < $0.01 fee) or Polygon (very cheap, < $0.10 fee). TRON is also affordable (~$1 fee). Ethereum works but has higher fees ($1-10). Use whatever network you already have USDC or USDT on.

Question 11

Why use crypto instead of just a bank transfer?

Accepted Answer

With crypto, you pay zero fees to Stratum Remit (we make money on a small exchange rate margin). Traditional services charge $5-20 per transfer. Over a year of monthly transfers, you save $60-240!

Question 12

How can I fund my transfer?

Accepted Answer

You fund your Stratum Remit wallet with USDC or USDT stablecoins on Stellar, Polygon, Ethereum, or TRON networks. Then send money instantly to any recipient.

Question 13

Which stablecoins and networks do you support?

Accepted Answer

We support USDC and USDT on four blockchain networks: Stellar (cheapest, <$0.01 fee), Polygon (very low, <$0.10 fee), TRON (low, ~$1 fee), and Ethereum (higher fees, $1-10).

Question 14

Can I cancel a transfer?

Accepted Answer

Transfers can only be cancelled if they haven't been processed yet. Due to our fast processing, most transfers are completed within minutes and cannot be cancelled.

Question 15

How do I add a recipient?

Accepted Answer

Go to the Recipients tab and tap "Add Recipient". Enter their name, country, and bank/mobile money details. Save for easy repeat transfers.

Question 16

Can I send to myself?

Accepted Answer

Yes, you can add yourself as a recipient to send money to your own accounts abroad.

Question 17

What if I enter wrong recipient details?

Accepted Answer

Always double-check details before sending. If you enter incorrect bank details, the transfer may be rejected or delayed. Contact support immediately for help.

Question 18

Is Stratum Remit safe to use?

Accepted Answer

Yes. We use bank-level encryption, are regulated by financial authorities, and employ multiple security measures including 2FA and biometric authentication.

Question 19

What happens if I lose my phone?

Accepted Answer

Your account is protected by your PIN and biometrics. Contact our support immediately to secure your account. You can recover access with your verified email.

Question 20

How is my data protected?

Accepted Answer

We use industry-standard encryption for all data. We never sell your personal information and only share data as required for completing transfers or legal compliance.

Question 21

How fast will my transfer arrive?

Accepted Answer

Most transfers arrive within minutes. Some destinations may take up to 24 hours depending on the receiving bank or mobile money provider.

Question 22

What are the transfer fees?

Accepted Answer

We charge ZERO transfer fees. We make money on a small margin (1-2%) in the exchange rate. You'll see the exact rate before confirming.

Question 23

What's the maximum I can send?

Accepted Answer

Limits depend on your verification level. Basic verification allows up to $500 per transfer. Standard verification (government ID) allows up to $2,999 per transfer. Enhanced CDD (proof of address, proof of income) allows up to $6,000 per day.

Question 24

Can I send to mobile money?

Accepted Answer

Yes! We support mobile money in many countries including M-Pesa (Kenya, Tanzania), MTN Mobile Money (Uganda, Rwanda), Orange Money (Senegal, Ivory Coast), and more.

Preguntas Frecuentes

Fees & Rates

Getting Started

How It Works

Payment Methods

Recipients

Security

Sending Money

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