Remittances
A regulated platform to send money to 170+ countries — API-based, with KYC, compliance, and payments integrated into one surface.
Building a remittance business means assembling four very different things: licenses to move money legally, KYC to onboard senders and recipients, compliance to monitor every flow, and payment rails to actually deliver the funds. Most platforms make you stitch them together from separate vendors. Inyo Remittances brings all four into a single, API-based platform — running on the licenses Inyo already holds, so you build on top of a regulated stack rather than rebuilding one from scratch.
Whether you’re a fintech adding cross-border payouts to an existing product or a money transfer operator modernizing a legacy stack, the integration model is the same: one API, one identity record, one compliance trail, one set of webhooks — and 170+ countries of delivery on the other side.
A regulated platform, not just an API
Inyo’s license footprint backs every transaction you originate on the platform, so you operate on top of a regulated surface rather than acquiring licenses yourself. The licensing posture, regulatory engagement, and audit history that come with running a regulated money mover are part of what you get when you build on Inyo Remittances.
API-based from the ground up
Every remittance operation — create a send, fetch the FX quote, run KYC on the sender, dispatch the payout, watch the status, reconcile settlement — is a single API call with a structured response and a real-time webhook. No batch portals, no manual file drops, no per-corridor SDK. The same contract for a debit-card-funded payout to a Brazilian bank account and a wallet-funded payout to an East African mobile money account.
KYC and compliance, on the same record
Onboarding, identity verification, and re-verification run through Inyo360’s agentic KYC layer. Ongoing transaction monitoring, sanctions screening, and regulatory reporting run through Inyo Compliance’s agentic compliance layer. Because the remittance platform composes with both, every send carries the same identity and risk record forward — you don’t collect the same data twice, and an analyst sees the whole relationship in one place.
Payments to 170+ countries through one rail mix
Payouts flow through Inyo Gateway’s routing layer: local bank transfers where they’re fast and cheap, push-to-card via Visa Direct and Mastercard Send where recipients hold cards, mobile money where it’s the dominant rail. The right rail is chosen per-payout by corridor performance, FX, and delivery time — not a single hard-coded path. Funding can come from cards (via AFTs), ACH, wire, or stablecoins on the way in.
Built for fintechs and money transfer operators
The platform serves two distinct shapes of customer with one product: fintechs embedding remittance into an existing user surface (think P2P apps, neobanks, gig-economy disbursements), and traditional MTOs replacing legacy stacks with an API-native rail. The compliance footprint, the FX transparency, and the corridor coverage are the same on both sides — only the integration surface differs.
Frequently Asked Questions
What is Inyo Remittances?
Inyo Remittances is a regulated, API-based platform for sending money to 170+ countries. KYC (via Inyo360), compliance (via Inyo Compliance), and payment routing (via Inyo Gateway) are integrated into a single surface. Money transmission services are provided by Golden Money Transfer (GMT), NMLS ID 916876.
Which countries are supported?
Inyo Remittances delivers payouts to 170+ countries via local bank transfers, push-to-card (Visa Direct, Mastercard Send), and mobile money networks. Coverage is curated — rails are added when reliability and pricing meet a measurable bar.
How is KYC handled?
KYC runs through Inyo360’s agentic verification layer. Identity capture, document verification, biometric matching, sanctions/PEP screening, and ongoing re-verification are part of the same surface as the remittance API — you don’t re-collect data your customer already provided.
How is compliance handled?
Transaction monitoring, sanctions screening, and regulatory reporting (SAR/STR/CTR) run through Inyo Compliance’s agentic compliance layer. Every send carries the same identity and risk record forward, so compliance has a continuous view of the relationship rather than per-transaction alerts.
How are payouts delivered?
Through Inyo Gateway’s routing layer: local bank transfers, push-to-card via Visa Direct and Mastercard Send, and mobile money. The rail is selected per-payout based on corridor performance, FX rate, and delivery time. Card payouts via Visa Direct Fast Funds reach the recipient in under 30 minutes on supporting issuers.
Related reading
Inyo Gateway
The orchestration layer that routes every remittance payout to the rail most likely to deliver on time at the best FX.
How Visa Direct Works
The complete guide to Visa Direct mechanics — OCT/AFT, real-time push payments, cross-border payouts, compliance.
Payment Reconciliation Guide
How Inyo handles transaction matching, settlement verification, exception management, and webhook integration at scale.
A regulated remittance platform, built on one API
Talk to the Inyo team about building or migrating your remittance product on Inyo Remittances.
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