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Money that connects continents
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Send & Receive

Send money home in minutes, not days.

Move money between Europe and Africa for roughly 1% in Kudu fees — under 3% all-in once our partners handle top-up and cash-out, versus the 8.78% Sub-Saharan average. Your family collects it as mobile money, a bank deposit, or cash from a verified agent nearby.

✓~1% Kudu fee, under 3% all-in — not the 8.78% Sub-Saharan average
✓Money arrives in minutes, not days
✓Cash pickup at a verified agent or straight to a phone
You send
€500.00EUR
Transfer fee €0 · arrives in ~2 min
↓
Amadou receives
Dakar · Senegal
327,000 XOF
✓Fee shown before you confirm
Fund your wallet

Top up in local money. Hold instant, borderless funds.

Convert your local money into USDC and EURC — safe, instant, borderless funds you hold and stay in full control of. Top up through a partner or do it yourself, then send, request, buy together, or close deals anywhere.

✓Held by you — in full control, always withdrawable
✓Instant & borderless — backed 1:1 by USDC and EURC
✓Top up by cash, card, or bank — your choice
MoneyGram
Cash top-up & payout
Partner

Walk into a MoneyGram location, pay in cash, and your wallet is funded in instant, borderless money — no bank account needed.

TTransak

Card or bank transfer — funds land in seconds.

Yourself

Top up directly from your own bank or card.

How it works

Simple by design.

1

Choose who and how much

Pick a recipient in up to 165+ countries and enter the amount. We show the exact fee and what they'll receive before you confirm.

2

Confirm and send

Pay from your wallet in USDC or EURC. Settlement runs on Stellar rails in the background — you never touch the crypto.

3

They collect it

The recipient gets mobile money, a bank deposit, or cash from a verified Kudu agent — usually within a couple of minutes.

Why it's better

Built around the outcome.

✓

One honest price

The fee is shown up front and never changes at the counter. No hidden FX margin buried in the exchange rate.

✓

Real people to collect from

Our marketplace of verified cash agents means your family can pick up money nearby, even without a bank account.

✓

Built for the diaspora

Send from Europe to Côte d'Ivoire, Benin, RDC and beyond. Money that actually connects the two sides of your life.

Explore the rest

Request & Invoice

Get paid with a simple link — no account needed on the other side.

Learn more →

Group Buying

Pool orders with friends and family to unlock a lower price for everyone.

Learn more →

Secure Deals

Hold the money in escrow until both sides are happy with the deal.

Learn more →
Frequently asked

Answers to the common questions.

How long does a transfer to Africa actually take?
Money arrives in minutes, not days. Once your recipient collects it via mobile money, bank deposit, or cash agent, the transfer is complete — usually within a couple of minutes of you pressing send.
What are the real fees for sending money to Africa?
Transfers between Kudu accounts are free. Adding money costs about 1.5% (the conversion partner's rate) and cashing out with a verified agent costs 0.5% (minimum €0.30), so the all-in total stays under 3% — a fraction of the 8.78% Sub-Saharan average. The exact fee is shown upfront and never changes at the counter.
Which African countries and currencies can I send to?
You can send to up to 165+ countries across Africa and Europe, and recipients can collect in local currencies, mobile money and cash. Côte d'Ivoire, Benin, RDC and beyond are all covered.
How do recipients collect the money if they don't have a bank account?
They can pick up cash from a verified Kudu agent nearby — our marketplace of real people means your family can withdraw money even without a bank account. They can also receive it as mobile money or a direct bank deposit if they prefer.
Do recipients need to download the Kudu app to receive money?
No — your family doesn't need an account or app to collect money you send them. They simply choose their preferred collection method (mobile money, bank, or cash agent) and pick it up.
Is Kudu safe to use for sending money home?
Yes — fees are honest and shown before you confirm, you're never touching cryptocurrency directly, and every cash agent in our marketplace is verified and rated. Money that connects continents securely.

Ready when you are.

Open an account in minutes and start moving money across continents.

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