From Hoping Bills Get Paid to Knowing They Will

Every month, millions of migrants send money home for a specific purpose: electricity bills in Peru, internet service in Colombia, tuition in Ecuador. Today's system makes families jump through multiple hoops, creating high costs and uncertainty.

Cross-border direct payments eliminate the middleman. Someone in Chile pays their family's utility bill in Peru—directly. A parent in the US pays tuition in Mexico. The infrastructure connects straight to utility companies, telecom providers, and schools across the region.

• For families: Peace of mind.

• For financial institutions: Deeper customer relationships and higher transaction frequency.

• For the future: Payments built around how families actually support each other across borders.