# Eversend

> Borderless money for people and businesses who move across countries. Send
> and receive in 16 currencies, hold dollars and crypto, convert at transparent
> rates, get local USD/EUR account details, and spend worldwide on a virtual
> USD Visa card. Operating since 2019.

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 is authorised to operate in
Kenya and Zambia, and is registered by FINTRAC in Canada. Customer funds are
held in safeguarded, segregated accounts; digital assets are secured by
Fireblocks.

## Key pages
- [Personal](https://eversend.co/): send, receive, hold and spend across borders, on iOS and Android.
- [Business](https://eversend.co/business): one multi-currency account — collections, payouts, cards and FX across 30+ markets.
- [Developers / Infrastructure](https://eversend.co/infra): payout, collection and FX API with just-in-time stablecoin funding — fund each transaction the moment it is created, instead of prefunding partner accounts.
- [Pricing](https://eversend.co/pricing): personal, business and developer pricing.
- [Security & Licenses](https://eversend.co/security): regulators by jurisdiction, safeguarding, Fireblocks custody, encryption.
- [Company](https://eversend.co/company): mission, story and offices.

## Products
- Send & Receive: money to banks and mobile wallets across 30+ countries.
- Multi-currency: hold and manage 16 currencies in one wallet.
- Foreign Exchange: convert at transparent, near-interbank rates.
- Virtual Cards: USD Visa cards to pay online worldwide.
- Global Accounts: USD & EUR account details with ACH and SEPA.
- Crypto: buy, sell and hold crypto.
- Stablecoins: receive USDC and USDT, hold value in dollars.

## Infrastructure (Developers)
- [Just-in-Time Funding](https://eversend.co/infra): the end of prefunding — fund each payout the moment it is created, in stablecoin, instead of wiring to partner accounts days ahead.
- [Payouts](https://eversend.co/infra/payouts): disburse to banks and mobile money across 30+ markets, funded just-in-time, settled on local rails in seconds.
- [Collections](https://eversend.co/infra/collections): collect via bank transfer, mobile money and cards across 30+ markets, auto-swept to stablecoin and settled same-day.
- [Stablecoin Funding](https://eversend.co/infra/stablecoin-funding): top up your payout balance in bulk with USDC or USDT instead of SWIFT — funds land in minutes, secured by Fireblocks. Funding, not a wallet.
- [On & Off-Ramps](https://eversend.co/infra/ramps): convert local currency to USDC/USDT and back to any local rail through one API, with deep two-sided liquidity.
- [FX & Conversion](https://eversend.co/infra/fx): convert across 16 currencies at a transparent 0.9–1.5% margin shown before you confirm — not a hidden bank spread, never "true mid-market".

## Notes
- Crypto assets are unregulated and volatile; value can go down as well as up.
- Stablecoin funding is funding for payouts, not a stored-value wallet — you create transactions, fund them, then funds go out.
- FX carries a transparent, visible margin (0.9–1.5%); it is not zero-margin or true mid-market.
- For regulatory status by jurisdiction, see the site footer.