CapitalFi
CapitalFi is a licensed money service business that enables individuals and businesses to send cross-border payments to 100+ countries using local payment rails like QR codes and local banking networks. The platform offers instant settlement in under 10 seconds, a flat 0.5% fee for B2B transfers, and free person-to-person transfers. It provides API and SDK integrations for businesses to embed global payment capabilities directly into their workflows.
- Financial Technology
- Software Only
Funding
Founders
Product
Problem
Traditional cross-border payment providers charge hidden margins of 3–5%, take days to settle transactions, and require extensive paperwork. This makes international payments slow, expensive, and complex for both businesses and individuals.
Solution
CapitalFi connects local payment rails across 100+ countries under a single platform, allowing users to pay using local methods like QR codes and local banking networks from their home country accounts. The platform supports instant settlements in under 10 seconds, with a flat 0.5% fee covering all costs for businesses and completely free transfers for individuals. CapitalFi embeds compliance features including KYC, AML, and fraud monitoring into every transaction, while offering REST APIs and SDKs for developers to integrate global payments directly into their applications.
Target Audience
Primary customers are businesses paying freelancers, suppliers, and partners internationally, as well as individuals sending money person-to-person across borders at no cost.
Features
- Flat 0.5% all-inclusive fee for B2B transfers covering forex, processing, and settlement with no hidden margins
- Free individual transfers with QR code payments and no minimums or bank details required for recipients
- Instant settlement in under 10 seconds across 100+ countries through local fiat rail connections
- API and SDK integrations in multiple programming languages for developer-first payment implementation
- Built-in compliance with KYC, AML, real-time fraud detection, and risk scoring in every payment flow
- Batch payments, recurring schedules, and scalable infrastructure from first transfer to millionth transaction
- Comparison tool showing cost savings versus Wise (0.5–1.5%), Western Union (2–5%), PayPal, and traditional banks