6 Best Crypto Remittance Services in 2026
Crypto remittance services in 2026 compared on who they serve, reach, assets used and published fees. See Strike, Coins.ph, Airtm, Bitso, Yellow Card and Bitnob.
Tested and reviewed by Jonathan West · Updated July 19, 2026
Sending money across borders with digital assets involves distinct trade-offs between speed, geography, and fee transparency. This comparison evaluates six international crypto remittance services as of Oct 2026 across user types, regional access, underlying assets, and pricing disclosures. All figures are as listed on each vendor's own page as of Oct 2026 and can change.
Read how stablecoin rules differ by country before you send money abroad
Strike
Best for: Best for sending bitcoin from a single account
Strike lets users send and receive globally from one account, with balances segregated from corporate funds and fully reserved. The platform makes free onchain withdrawals available anytime for moving bitcoin to your own wallet.
Strengths
Available in over 100 countries
Free onchain withdrawals available anytime
Individual, Private, and Business account plans
Limitations
Send fees not published
Payout countries and currencies are not listed
Pricing: Send fees not published; free onchain withdrawals
Coins.ph
Best for: Best for sending money to the Philippines
Coins.ph routes cross-border transfers from local currency to USDT to Philippine Pesos, where funds can reach recipients in seconds depending on the channel. The service delivers payouts into a Coins.ph wallet, local bank accounts, and domestic e-wallets like GCash and Maya.
Strengths
Direct payouts to GCash, Maya, and banks
Supervised by Bangko Sentral ng Pilipinas
Funds can arrive in seconds depending on channel
Limitations
Fee amounts not published on main transfer page
Supported sending countries are not listed
Pricing: Claims 0 hidden fees; amounts Not published
Airtm
Best for: Best for a dollar account with local cash-out methods
Airtm provides access to digital dollars using USDC backed 1:1 with the US dollar across 190 countries. Users can cash out earnings in under six minutes or less using bank accounts, mobile transfers, and peer-to-peer options.
Strengths
Presence across 190 countries
400 to 500+ local payment methods
Cash out earnings in six minutes or less
Limitations
Fee amounts are not published on the page
Card fees may apply on virtual cards
Pricing: Not published; card fees may apply
Bitso
Best for: Best for Latin America with an exchange behind it
Bitso provides cross-border transfers and business payment rails alongside access to more than 100 crypto assets.
Strengths
Operated for over a decade
Includes a consumer app and Bitso Business
Over 100 crypto assets in the app
Limitations
Fee amounts are not published on the page
Supported transfer countries are not stated
Pricing: Not published; page says affordable
Yellow Card
Best for: Best for businesses paying in African and emerging-market currencies
Yellow Card is a licensed stablecoin payments infrastructure provider operating across more than 60 countries and over 50 local currencies. It offers enterprise tools including an API Suite, Treasury Portal, Global Accounts, and Commercial Trading.
Strengths
Coverage across 60+ countries and 50+ currencies
Supports local currencies like KES, NGN, and BRL
Enterprise features including Treasury Portal and API
Limitations
Fee amounts are not published on the website
Built for businesses
Pricing: Not published; speak to an expert
Bitnob
Best for: Best for business payouts from bitcoin and stablecoin wallets
Bitnob provides cross-border transfers through its Global Payouts product, supporting businesses sending funds across 12 or more countries. Its multi-currency system maintains dedicated wallet balances in NGN, USDT, USDC, and BTC.
Strengths
Multi-currency wallets in NGN, USDT, USDC, and BTC
Global Payouts covers 12+ destination countries
Holds ISO 9001, ISO 27001, SOC 2 Type II, and NDPR certifications
Limitations
Fee amounts are not published on the page
Focuses on business payouts
Pricing: Not published
Summary comparison
| Option | Who it serves | Reach | Assets used | Published fees |
|---|---|---|---|---|
| FeaturedYour company here, pinned above every listing Get featured → | ||||
| Strike | Individuals, private clients and businesses | Available in over 100 countries; payout countries not listed | Bitcoin | Send fees not published; free onchain withdrawals |
| Coins.ph | Filipinos abroad sending to the Philippines | Payouts to Coins.ph wallet, banks, GCash and Maya | Local currency to USDT to PHP | Claims 0 hidden fees; amounts Not published |
| Airtm | Individuals; Airtm Business pays teams in dollars | 190 countries; 400 to 500+ local payment methods | USDC | Not published; card fees may apply |
| Bitso | Consumers; Bitso Business for companies | Transfer countries not listed | Not stated for transfers | Not published; page says affordable |
| Yellow Card | Businesses; licensed stablecoin payments infrastructure | 60+ countries, 50+ local currencies | Stablecoins | Not published; speak to an expert |
| Bitnob | Businesses using Global Payouts | Payouts in 12+ countries | NGN, USDT, USDC and BTC wallets | Not published |
| Ripple Payments | Fintechs, banks and crypto businesses; pricing via sales | 60+ markets; 17+ fiat currencies plus major stablecoins | Stablecoins, mainly RLUSD; XRP named in FAQ | Not published; contact sales |
| BVNK | Businesses processing $500,000+ monthly with 6+ months history | 130+ countries and markets | Stablecoins and fiat via Send, Receive, Convert | Not published; speak with BVNK |
| TransFi | Remittance providers, banks, wallets, corporates, exchanges and SMEs | Claims 100+ countries and 250+ payment methods | Stablecoin rails; claims 130+ digital assets | No rate card; page says 'No hidden fees' |
| Alfred Pay | Businesses; virtual local bank accounts and developer API | Brazil, Mexico, Argentina, Colombia and more | Stablecoins | Not published |
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Service Choice by Sender, Destination and Fees
The services below differ on whether you are sending as an individual or a company, which country the funds must reach, and what fee disclosures are available. For individual senders moving funds strictly to the Philippines, Coins.ph provides a dedicated pathway converting local currency into USDT and delivering Philippine Pesos directly into local bank accounts, a Coins.ph wallet, GCash, or Maya. Airtm lists 190 countries and uses USDC with over 400 local payment methods, while Strike allows individuals, private clients, and businesses to send bitcoin globally from a single account across over 100 countries. Yellow Card serves businesses looking to process stablecoins across more than 60 countries into 50 local currencies like Kenyan Shillings, Nigerian Naira, and Brazilian Real, but requires prospects to speak to an expert for pricing. Bitnob operates its Global Payouts engine across 12 or more countries, allowing companies to settle balances out of multi-currency wallets holding BTC, USDC, USDT, and NGN. Bitso provides consumer exchange transfers alongside Bitso Business to move money globally. Other providers exist beyond these six.
Consumer Apps Versus Business Payout Platforms
Coins.ph names family remittances, Airtm and Strike describe individual use, Bitso lists a consumer app plus Bitso Business, and Yellow Card and Bitnob describe business products. Coins.ph is tailored for family remittances to the Philippines, where funds can reach recipients in seconds while bank and e-wallet payouts depend on the recipient channel. Airtm offers apps on iOS, Android, and desktop, allowing everyday users to cash out digital dollar earnings in under six minutes through peer-to-peer and bank networks. Strike maintains individual and private client accounts where customer balances remain segregated from corporate funds, alongside options for self-custody withdrawals. In contrast, platforms like Yellow Card and Bitnob focus on business payment products. Yellow Card functions as licensed stablecoin payments infrastructure, offering commercial products such as an API Suite, Treasury Portal, Global Accounts, and Commercial Trading. Yellow Card lists sanctions screening, AML monitoring, Travel Rule compliance and KYB/KYC requirements. Bitnob provides Global Payouts to businesses, managing certifications including SOC 2 Type II, ISO 27001, ISO 9001, and NDPR while processing over $4.6 billion. Bitso and Airtm also offer business products through Bitso Business and Airtm Business.
Published Fees Compared
Published fee schedules are largely absent across international crypto remittance providers. Strike states that onchain withdrawals to self-custody wallets are free anytime, but the company does not publish specific transfer fees for sending bitcoin across its network. Coins.ph markets its corridor with zero hidden fees and live rates, yet it omits exact fee percentages on its transfer page and instead routes customers to a separate fees breakdown. Airtm does not publish standard transfer fees on its main site, noting only that virtual cards may incur fees. Yellow Card does not list fee tiers or transfer costs on its website, directing readers to speak to an expert. Bitnob does not disclose fixed pricing or fee percentages for its Global Payouts product. Bitso's page calls its transfers affordable but states no fee amounts.
Assets and Payout Routes
The assets and settlement rails used to complete a transfer vary widely by provider, spanning bitcoin, fiat-pegged stablecoins, and local currencies. Strike's page names bitcoin as the asset it sends, and says users can keep bitcoin on Strike or withdraw it to their own wallet. Coins.ph uses a three-step settlement route that converts incoming local currency into USDT before executing the final payout in Philippine Pesos. Senders can direct those funds into recipient Coins.ph digital wallets, traditional bank accounts, or domestic Philippine mobile wallets including GCash and Maya. Airtm relies on USDC, which it describes as backed 1:1 by the US dollar, and connects that asset to over 400 local payment methods encompassing domestic bank accounts, mobile transfers, and peer-to-peer settlement. Yellow Card acts as a stablecoin rails provider for corporate clients, managing USD stablecoins alongside 50 local currencies including Nigerian Naira (NGN), Kenyan Shillings (KES), Philippine Pesos (PHP), and Brazilian Real (BRL). Bitnob maintains integrated multi-currency wallets holding BTC, USDC, USDT, and NGN, supporting payouts across 12+ countries.
The verdict
No single crypto transfer service works best for every situation. Coins.ph fits payouts to the Philippines, Strike fits sending bitcoin from one account, and Airtm fits USDC transfers paired with local cash-out methods. Companies moving money can look at Bitso for its consumer app alongside Bitso Business, or consider Yellow Card and Bitnob for business payouts across multiple currencies. Most of these providers publish no fee schedule on their primary transfer pages as of October 2026.
Frequently asked questions
What is the best crypto remittance service?
There is no single best service because options depend on your specific destination and user profile. Coins.ph is best for sending money to the Philippines through banks, GCash, or Maya, while Strike works well for sending bitcoin globally from a single account. For business payouts, Yellow Card provides stablecoin infrastructure across 50 currencies, and Bitnob manages corporate transfers across 12 or more countries.
Can I send money abroad with crypto?
Yes, services let you send money internationally using bitcoin or stablecoins. Platforms like Coins.ph convert currency to USDT and can reach recipients in seconds depending on the channel, while Airtm uses USDC to settle across 190 countries via local bank accounts and payment methods. Strike enables international bitcoin transfers across more than 100 countries.
Do crypto remittance services publish their fees?
Most crypto remittance services do not publish full public fee schedules on their transfer pages. Strike lists free onchain withdrawals but omits international send fees, Coins.ph advertises zero hidden fees but routes users to a separate fee page, and Airtm, Bitso, Yellow Card, and Bitnob do not publish standard send rates.
Which services pay out in local currency?
Coins.ph delivers payouts in Philippine Pesos directly to bank accounts and e-wallets like GCash and Maya. Yellow Card settles in over 50 local currencies including Kenyan Shillings, Nigerian Naira, and Brazilian Real, while Bitnob supports local balances including Nigerian Naira alongside international currencies.
Are crypto remittance services only for businesses?
No, crypto remittance platforms serve both retail consumers and business enterprises. Coins.ph describes family remittances, Airtm and Strike offer individual accounts, and Bitso provides a consumer app alongside Bitso Business. However, services such as Yellow Card and Bitnob are built for business payouts and infrastructure.
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