# Eversend > Eversend is a multicurrency money app built for Africans and the African > diaspora: hold and exchange 16 currencies in one wallet, send money to 18 > countries, receive from abroad, get USD, EUR and GBP account details, and > pay online with virtual Visa cards. For businesses and platforms, Eversend > provides African collections, payouts, FX and settlement through one > integration. Just-in-time stablecoin funding, instead of prefunding, is > coming soon. Founded in Paris in 2017, launched in March 2019. More than 1.6 million registered users from 57 countries have moved over $1 billion with Eversend. Eversend is a brand operated by its licensed entities. Cogni Labs Ltd is authorised and regulated by the Bank of Uganda. Eversend Inc. is a registered Money Services Business with FinCEN, USA. Eversend Tech Ltd is registered as a Money Services Business with FINTRAC in Canada. Eversend is also authorised to provide inbound and outbound remittance services in Kenya and inbound remittance services in Zambia. Customer funds are held in safeguarded, segregated accounts; digital assets are secured by Fireblocks. ## The two things to know - Consumer: Eversend is a multicurrency money app for Africans who need to hold, exchange, send and spend money across borders. It is not a one-direction remittance service: money moves into Africa, out of Africa and between African countries, in the same app. - Infrastructure: Eversend Platform is African collections, payouts, FX and settlement through one API, designed to replace fragmented per-country providers and trapped prefunding. Payouts run from a balance you can top up with USDC/USDT; just-in-time funding at the moment each transaction is created is coming soon. ## Measured performance (not claims) Delivery figures on eversend.co are medians over a rolling 90 days of successful production transfers, refreshed continuously. Highlights, Q3 2026: every measured African mobile money rail delivers in under 95 seconds median; Rwanda mobile money is 47 seconds; Nigeria bank payouts over NIP are 57 seconds. Full data and methodology: [The State of African Payment Rails, Q3 2026](https://eversend.co/reports/african-payment-rails-q3-2026) ## Key pages - [Personal](https://eversend.co/): send, receive, hold and spend across borders, on iOS and Android. - [Send money](https://eversend.co/send): corridor pages with live rates, fees and measured delivery times, including [UK to Uganda](https://eversend.co/send/uk-to-uganda), [UK to Nigeria](https://eversend.co/send/uk-to-nigeria), [UK to Ghana](https://eversend.co/send/uk-to-ghana), [UK to Kenya](https://eversend.co/send/uk-to-kenya), US corridors and intra-African corridors such as [Kenya to Uganda](https://eversend.co/send/kenya-to-uganda) and [Nigeria to Ghana](https://eversend.co/send/nigeria-to-ghana). French versions exist for francophone corridors. - [Multicurrency wallets](https://eversend.co/wallets): hold and switch 16 currencies. - [Virtual cards](https://eversend.co/cards): USD Visa cards for online payments. - [Global accounts](https://eversend.co/global-accounts): USD, EUR and GBP account details (ACH and wire, SEPA, Faster Payments). - [Stablecoins](https://eversend.co/stablecoins): hold and move USDC and USDT. - [Pricing](https://eversend.co/pricing): every personal, business and platform fee, published. - [Best multicurrency wallets for Africans](https://eversend.co/best/multicurrency-wallets-for-africans): an honest, disclosed category guide covering Eversend, Wise, Grey, LemFi, Chipper Cash and Revolut, with six checks for choosing. - [Best apps to send money to Africa](https://eversend.co/best/apps-to-send-money-to-africa): a disclosed category guide covering Eversend, Wise, LemFi, Remitly, WorldRemit, Sendwave, Taptap Send and Mukuru, with five checks: direction, mobile money reach, total cost, measured delivery, licensing. - [Best apps to send money from the UK to Uganda](https://eversend.co/best/apps-to-send-money-from-uk-to-uganda): the UK to Uganda corridor compared honestly: GBP to UGX total cost, MTN MoMo and Airtel Money delivery measured at about a minute, both directions, and Bank of Uganda regulation. - [How to eliminate prefunding in African payouts](https://eversend.co/platform/guides/how-to-eliminate-prefunding-in-african-payouts): why prefunded floats exist, what they cost, and how just-in-time funding from USDC or USDT (coming soon on Eversend) removes them. - [Stablecoins vs correspondent banking](https://eversend.co/platform/guides/stablecoin-settlement-for-african-payments): the two settlement paths for African payments, itemized side by side. - [How to evaluate an African payments API](https://eversend.co/platform/guides/how-to-evaluate-an-african-payments-api): six questions that separate coverage maps from production reality. - [Compare](https://eversend.co/compare): the comparison hub — category guides plus balanced one-on-one pages vs Wise, LemFi, Grey, Chipper Cash, Sendwave, Taptap Send, Revolut, Payoneer and Wise Business. - [Business](https://eversend.co/business): one account for collections, payouts, cards, wallets and FX. - [Business tasks](https://eversend.co/business/receive-usd/nigeria): how to receive USD (Nigeria, Uganda, Ghana), and collect payments and pay suppliers (Nigeria, Kenya, Uganda, Ghana), plus [payroll across Africa](https://eversend.co/business/payroll-africa). - [Platform](https://eversend.co/infra): the payout, collection and FX API, with just-in-time stablecoin funding coming soon. - [Rails and coverage](https://eversend.co/platform/rails/m-pesa): spec sheets per payment rail (M-Pesa, MTN MoMo, Nigeria NIP bank transfer, Airtel Money) and per market (Nigeria, Kenya, Uganda, Ghana, Tanzania, Rwanda, Zambia, Cameroon, Senegal and more), with measured medians. - [Security and licences](https://eversend.co/security): regulators by jurisdiction, safeguarding, Fireblocks custody, encryption. - [Research](https://eversend.co/reports/african-payment-rails-q3-2026): quarterly measured data on African payment rails. - [Company](https://eversend.co/company), [Press](https://eversend.co/press), [Help](https://help.eversend.co/en). ## Products - Send & Receive: money to banks and mobile money wallets in 18 payout countries, into, out of and across Africa. - Multicurrency wallets: hold and manage 16 currencies in one app. - Foreign exchange: convert 16 currencies at a rate that includes our margin, from 0.9%, with the exact rate and amount shown before you confirm. - Virtual cards: USD Visa cards to pay online worldwide. - Global accounts: USD, EUR and GBP account details (ACH and wire, SEPA, Faster Payments). - Stablecoins: receive, hold and send USDC and USDT. ## Infrastructure (Platform) - [Just-in-time funding](https://eversend.co/infra), coming soon: fund each payout with USDC/USDT the moment it is created, instead of wiring to partner accounts days ahead. - [Payouts](https://eversend.co/infra/payouts): disburse to banks and mobile money in 18 countries via API; mobile money lands in about a minute at the median. - [Collections](https://eversend.co/infra/collections): collect via bank transfer and mobile money, auto-swept to stablecoin and settled same-day. - [Stablecoin funding](https://eversend.co/infra/stablecoin-funding): top up payout balances in bulk with USDC or USDT instead of SWIFT; funds land in minutes, secured by Fireblocks. - [On & off-ramps](https://eversend.co/infra/ramps): move between fiat and stablecoins through one API. - [FX](https://eversend.co/infra/fx): convert across 16 currencies at a quoted rate that includes our margin, from 0.9%, shown before you confirm. ## Notes - All delivery times published on eversend.co are measured medians over the last 90 days of production transfers, never averages and never promises. - The 18-country payout figure counts destinations where successful transfers have actually landed, not markets on a claims map. - Stablecoin funding is funding for payouts, not a stored-value wallet. - Eversend exchange rates include our margin, from 0.9%. The margin is in the rate, not charged separately, and the rate is not mid-market. The exact rate and amount are shown before you send. - Crypto assets are volatile; value can go down as well as up. - For regulatory status by jurisdiction, see eversend.co/security. Updated: September 2026.