Send money across the world, like a text.

Send, request, and receive money with anyone, anywhere — and watch it land in seconds. Free at home, a flat 1.25% across borders, always at the real exchange rate.

Get early access See Demo

Settles in secondsBank-level securityFree at home · 1.25% abroad

You send

Fees & conversion

Send$10,000

Barter fee-$50

Network fee-$0.01

Amount converted$9,949.99

Exchange rate1 USD = 17.2520 MXN

Recipient gets

0/100

Settles on Barter in seconds

The companies keeping your money safe

To send or receive

SecondsLands on Barter near-instantly, anywhere

To send at home

$0Every domestic transfer is free

Flat across borders

1.25%Capped at $50, real exchange rate

Always on

24 / 7Weekends, holidays, midnight

Who We Serve

Built for everyone, anywhere money moves.

Sending money home, splitting a tab abroad, or just swapping currencies for the trip — Barter gets it there in seconds.

01 — Family

Send money home, instantly.

Money should move at the speed of the internet, not at the speed of banks. Tap their contact, hit send — it lands in their bank account in seconds, anywhere in the world.

02 — Friends

Pay anyone, in any currency.

Your friend in another country can send you back what they owe — and you receive it in dollars, no math required. Same goes the other way.

03 — Travelers

Spend abroad without the markup.

Most banks quietly add 1–3% on top of the exchange rate they quote you. Barter doesn’t. One flat 1.25%, every time, at the real rate.

04 — Recipients

Receive money like a local.

When someone sends you money, it arrives in your own currency, in the bank account you already use. No app to download, no new account to open.

See It In Action

Watch it work.

Every screen, every flow, in real time. From sign-up to your first cross-border payment — see what each part of Barter actually looks like.

Onboard in under 30 seconds.
Send to anyone with a phone number.
Funds land in seconds, not days.
All in one app — no bank, no wallet.

Create Your Barter Account

The Product

Everything you need to move money.

Send and request money, swap between currencies, and settle in seconds — free at home, a flat 1.25% across borders, always at the real exchange rate.

USD

USDC

€

EUR

Send one currency, receive another

You send in your currency, they receive theirs — converted automatically at the real exchange rate. Dollars to pesos today, with more currencies as we expand.

Secure by default

We link your bank with Plaid, verify your identity with Stripe, and fund your transfers through Coinbase — the same trusted names securing the apps you already use. Your money and your data are protected at every step.

UserSolana

~400ms finality

Authorized signature

Done in seconds

Every transfer locks in the moment it's sent — no pending limbo, no reversals, no waiting for a bank to open. Done in seconds, and it stays done.

See every transaction, live

Watch every payment land in real time — a clear, complete history of everything you send and receive, with no statements to wait for.

Transaction LedgerLive

7xKXtg2C...aB9f2s ago

+2.45 SOLConfirmed

EPjFWdd5...TrA814s ago

-0.82 SOLConfirmed

DezXAZ8z...k3pN38s ago

+12.30 SOLConfirmed

So11111...11121m ago

+0.50 SOLConfirmed

mSoLzYC...9pQr2m ago

-5.17 SOLConfirmed

Settle without the wait

Banks can take up to 7 days to move your money. Barter does it in seconds — no holds, no “pending,” no waiting for Monday.

Sender

Barter

Recipient

How It Works

How your money actually moves.

Link your bank once, then send to anyone by name, phone, or email. Barter moves your money over a global network that settles in seconds — and delivers it in your recipient's local currency.

No middleman banks. No hidden exchange-rate markups. No weekend holds. Just money, from you to them, in the time it takes to refresh your inbox.

Legacy vs. Barter

Built for how money should move.

Legacy rails were designed for a world where banks only talked to banks, between 9 and 5. That world is gone.

The old way

Legacy Financial Systems

Takes 3–7 business days to arrive
Cross-border fees of 2–5% every time
Closed on weekends and holidays
Hidden markups baked into the exchange rate
Funds held or frozen with no warning
Trips to the bank, wires, and paperwork
Identity verified & compliant
Bank-level security
Fraud monitoring built in
Send across borders

The new way

Barter

Settles in seconds, anywhere
Free at home, flat 1.25% abroad
Always on — nights, weekends, holidays
Real exchange rate, no hidden spread
No reversals, no surprise holds
Send by name, phone, or email
Identity verified & compliant
Bank-level security
Fraud monitoring built in
Send across borders

Frequently Asked

Questions, answered.

Everything you might want to know before you send your first dollar with Barter.

Transfers between people settle on Barter in seconds — the moment a send or request is confirmed, the money is there, no matter where either of you are. Moving it out to a linked bank account is just as quick when you use a debit card.
Yes. We verify your identity with Stripe, connect your bank securely through Plaid, and protect every transfer with bank-level security. Your money and your information are guarded at every step.
Sending money at home is completely free. Sending across a border is a flat 1.25%, capped at $50 no matter how much you send — always at the real exchange rate, with no hidden markup.
Not beforehand. Just enter their phone number or email and we’ll send them a link to claim the money — they set up a free Barter account in a couple of taps, and the funds are waiting.
Barter is live for free transfers within the US and for sending between the US and Mexico right now, with new countries rolling out regularly. Don’t see yours yet? Tell us where you want to send and we’ll keep you posted.
Transfers are final once confirmed — there are no reversals or surprise clawbacks — so it’s worth double-checking the name, phone, or email before you hit send. If something does go wrong, our support team is here to help.

Still have questions?

Can't find what you're looking for? Hop on a Quick Chat with our team and get a real answer in minutes — no forms, no waiting.

Pricing

One flat rate. No surprises.

No monthly fees, no minimums, no fine print. Free to send at home, and one flat rate when you cross a border.

Cross-border rate

1.25%per transfer
capped at $50

Sending at homeAlways free

Exchange rateReal market rate

Free on every domestic transfer
Settles in seconds, 24/7
Real exchange rate, no hidden spread
Send to anyone — even if they’re not on Barter yet
Identity verification & security included
No monthly fees, no minimums

Get early access Questions? Get in touch.

Where you can send

Live in the Americas, expanding fast.

We're starting with the busiest routes and adding new countries all the time.

USD ↔ MXNLive
USD ↔ ARSQ2
USD ↔ BRLQ3
USD ↔ COPQ3

Don't see your country? Tell us where you want to send.

From the Blog

Insights from the Barter team

Read why legacy payment systems are holding you back in the modern age of payments.

Industry

Why Your Business Is Losing 3-7% on Every Cross-Border Deal (And How Stablecoins Fix It)

The 3-7% you're losing on every cross-border wire isn't inevitable. It's a tax on 1970s infrastructure — and there's a better way.

Apr 17, 2026

Industry

Wire Transfers Take 3 Days. Our Settlements Take 3 Seconds. Here's Why That Changes Everything

Banks move money at 1970s speed because the delay is profitable. Stablecoin rails settle in seconds — here's why that changes everything.

Apr 10, 2026

Manifesto

From Email List to Ecosystem: Our Vision for a Global Barter Network Settled in Digital Dollars

Finance should be fair, electronic, and available on the user's schedule — not the bank's. Here's what we believe at Barter, and where we're headed.

Apr 3, 2026

Policy

California's Crypto Task Force: What Newsom's Breakthrough Project Means for the Future of Digital Dollars

The GENIUS Act formalizes stablecoins at the federal level and California is normalizing crypto companies as government partners. Here's what that shift actually means.

Mar 27, 2026

Industry

From Wall Street to Dubai: How the World's Biggest Institutions Are Quietly Migrating to Blockchain Rails

BlackRock, Visa, JPMorgan, and Dubai are already on blockchain rails. Here's what that quiet migration means for your business.

Mar 20, 2026

Ready when you are

Stop paying the invisible tax.

Drop your email and we'll let you know the moment your spot opens up. No spam, no endless drip campaigns — ever.

Bank-level security, real exchange rates, and no hidden fees — ever.