A remittance app that helps families save, plan, and protect — not just send money.

RemitWise is a Stellar-based cross-border remittance and financial planning platform designed for migrant workers and their families. Instead of only transferring money, RemitWise enables smart allocation of remittances into spending, savings, bills, and protection, with full transparency and automation.

Built on the Stellar ecosystem, RemitWise leverages fast, low-cost payments and fiat on/off-ramps (anchors) to deliver a seamless experience for both senders and recipients.

Traditional remittance apps focus only on sending money. As a result:

• Funds are often spent immediately
• Families struggle to save
• Bills and insurance are missed
• Senders lack visibility and control

There is no post-remittance financial planning layer.

RemitWise introduces post-remittance intelligence:

• Smart money splitting (spend, save, bills, insurance)
• Automated monthly remittances
• On-chain proof of delivery
• Family-level financial planning

1. Ravi works abroad and sends $300 every month
2. He sets rules:
   • $150 → daily expenses
   • $100 → savings
   • $50 → insurance
3. Money is converted to USDC and sent via Stellar
4. Family receives funds through local bank accounts via anchors
5. Ravi can see on-chain proof and usage breakdown

• Fast, low-cost transfers using Stellar
• Fiat ↔ USDC conversion via anchors
• On-chain transaction proof

• Automatically allocate remittance into:
  • Daily spending
  • Savings
  • Bills
  • Insurance
• Rules configured once, reused every month

• Education, medical, marriage goals
• Locked savings until target date
• Visual progress tracking

• Electricity, school fees, rent
• Scheduled and recurring payments
• Bill reminders

• Health and emergency coverage
• Premiums auto-paid from remittance

• Separate wallets for family members
• Spending limits and approvals

• One-click emergency transfer
• Priority processing
• Instant family notifications

• Monthly reports
• Spending vs saving breakdown
• Simple, non-technical insights

• Frontend: Mobile/Web App
• Backend: Subscription & allocation engine
• Blockchain Layer: Stellar for USDC transfers
• Anchors: Fiat on/off-ramps (bank ↔ USDC)
• Wallets: Custodial or semi-custodial

• Remittance fee (e.g. 1%)
• FX margin (shared with anchor)
• Premium savings & planning features
• Insurance and bill-pay commissions
• Emergency transfer fees

• Designed for remittances
• Very low transaction fees
• Fast settlement
• Strong fiat on/off-ramp ecosystem
• Built-in transaction memos for tracking

• Send money via Stellar
• Smart money split
• Anchor-based payout
• On-chain proof dashboard

• Family credit score
• Emergency micro-loans
• Employer payroll integration
• DAO / community savings pools

Turn remittances into long-term financial security for millions of families worldwide.

RemitWise aims to be more than a remittance app — it is a family financial operating system for the global workforce.