Vision | Send a payment as easily as an email

Enabling payments to be sent around the world with the same ease as an email, can unlock the ability to economically uplift individuals, communities, and entire regions.

Supporting the most vulnerable populations

Today, many people have benefited from great technological advances, including paying bills online, receiving payments, and transferring money relatively easily.  However, this convenience falls outside the reach of 1.4 billion people worldwide who have been left outside the scope of service for traditional payment systems such as banks. 

Digital Financial Inclusion

Aligned with UN sustainable development goals

SDG goals

In the 'Igniting SDG progress through Digital Financial Inclusion' report by the United Nations (UN) it highlights the ways digital financial inclusion is being used to address its Sustainable Development Goals (SDG) including, ending poverty, eliminating hunger, better health, quality education and supporting economic growth.  

Powered by ILP

We’re turning our vision into reality by utilizing the power of the Interledger Protocol (ILP), enabling a currency-agnostic payments network. With ILP, the friction of digital payments is eased as it provides a bridge for closed networks to transact with each other in ways that are more accessible, efficient, and less costly. This means transactions are not limited to particular banks, mobile money providers, or even borders.


Instant payments anywhere

Cross border payments with ILP

When financial services are powered by the Interledger Protocol (ILP) it makes it easy to transact in whatever currency or payment network you choose, because it is not tied to any one company, blockchain, or currency. You can send XRP to someone who wants to receive ETH, or you can send USD to someone who wants to receive EUR.

Funding innovation with ILP


Paystreme is an ILP-enabled payment streaming platform by Wallet Guru, that enables banked and unbanked users in Latin America to pay in real time for services, eliminating the need for prepaid plans and enabling subscription-less services. 

Find out more here

Traditional payment networks operate independently from each other. Sending value is easy only if the sender and recipient have accounts on the same network, but it can be slow and expensive if they have accounts on different networks. Many people are forced to use proprietary services to transfer or receive money. Business growth and expansion is limited and economies are restricted. 

Digital Financial inclusion  is an essential part of enabling social mobility and economic prosperity in high-need areas around the world. As more of society's infrastructure runs on technology it is critical  everyone, everywhere has access to digital financial services, rather than see the digital divide widen.  Read more about the state of digital financial inclusion in the World Banks The Global Findex, Financial Inclusion & Resilience report for 2022.

When anyone can send a payment as easily as an email transactions are not limited to particular banks, mobile money providers, or even borders.