Life moment · cross-border
Compliant rails, compared honestly
A simulation only — no value moves. Every rail here is licensed, every fee is disclosed, every FX spread is broken out.
Simulation · no real transfer
Corridor
R2 500→ USD
R500R20,000
Rail comparison
R2 500 → Zimbabwe · three ways
Bank wire
1–3 business days
- Total cost
- R253
- They receive
- R2 247
Fee 0.5%+R180 flatFX 2.4%
SARB-reported · full KYC
Highest reversibility. Best for large or first-time transfers.
FX & remittancePayments & interchange
Mobile money
Under 10 minutes
- Total cost
- R110
- They receive
- R2 390
Fee 1.8%+R25 flatFX 1.6%
Licensed operator · cash-out at agent
Best for recipients without a bank account. Corridor caps apply.
FX & remittancePartner commission
Stablecoin (USDC)
Under 2 minutes
- Total cost
- R73
- They receive
- R2 427
Fee 0.3%+R45 flatFX 0.8%
Licensed VASP · recipient needs a wallet
Lowest cost above R5,000. Recipient must be crypto-literate.
FX & remittancePartner commission
Why we suggest this corridor
Six months of pattern data
Two recurring transfers to Zimbabwe on the 27th of each month, averaging R2 500. We're only surfacing rails licensed for this corridor and this amount.
TransactionsOpen banking
Safeguards
Compliance is a feature, not friction
- SARB single-discretionary allowance tracked automatically.
- Recipient KYC checked once — remembered for future sends.
- Sanctions and PEP screening run before we quote a rate.
Cross-border spend feeds the FX and payments streams — see how.See it on the flywheel
All rates and fees are representative fixtures for the executive demo. Nothing on this page initiates a real transfer.