TransferTo provides a plug‑and‑play B2B fintech infrastructure that lets partners accept, settle, and disburse payments in over 130 countries while handling AML, KYC, and local compliance. Through a unified API it also offers digital value services—such as mobile top‑up, data bundles, bill payments, vouchers, and gaming payouts—and banking‑as‑a‑service features like virtual IBANs and payout orchestration, enabling fintechs, telcos, and marketplaces to launch emerging‑market products without building backend systems.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses targeting emerging markets often face fragmented payment ecosystems, limited access to cross‑border settlement, and the need to build costly in‑house infrastructure for mobile top‑up, utility payouts, and buy‑now‑pay‑later services. These challenges hinder rapid product rollout and restrict financial inclusion for end‑users.
Solution
TransferTo offers a global B2B fintech infrastructure that consolidates payments, value‑transfer, and banking‑as‑a‑service capabilities into a single, plug‑and‑play platform. Through a unified API, partners can accept, settle, and disburse funds in over 130 countries while complying with AML and local regulations. The platform also provides digital value services such as mobile data and prepaid top‑ups, bill payments, vouchers, and gaming payouts, enabling telco operators and fintechs to launch new services without building backend systems. TransferTo’s deep local knowledge and on‑ground networks ensure reliable connectivity and compliance across more than 160 markets, accelerating time‑to‑market for emerging‑market solutions.
Target Audience
Primary customers are mobile network operators, digital wallets, super‑apps, payment service providers, fintech platforms, and online marketplaces seeking to embed payments and value‑transfer services in emerging markets.
Features
- API‑driven payments and settlement engine supporting 130+ countries with multi‑currency handling
- Integrated AML, KYC, and regulatory compliance layer for cross‑border transactions
- Digital value services suite for mobile top‑up, data bundles, utility bills, vouchers, and gaming payouts
- Banking‑as‑a‑service modules including account creation, virtual IBANs, and payout orchestration
- Plug‑and‑play MVNO infrastructure allowing telecom operators to outsource backend operations
- Scalable architecture designed for high‑volume B2B use cases across fintechs, marketplaces, and super apps