UffPay aims to help families support one another across borders and bring useful financial tools to people underserved by traditional banking. Our U.S. to Guatemala corridor connects to a USD/GTQ wallet available on iOS and Android. Dock integration is complete and physical prepaid cards are rolling out. UffPay remains pre-revenue as it prepares for scaled commercial activity.
Explore our AI approachReview the sender fee, FX and timing
A wallet connected to everyday needs
Remittances and financial access provide context for the problem UffPay addresses. These figures describe populations and markets, not customers, revenue or a forecast.
Historical market context, not UffPay payment volume
A separate IMF ratio, not the year of the dollar series
Includes U.S.-born people and minors, not just remittance senders
61.7% did not have an account
Figures retain their original measurement periods. Market context does not establish product eligibility, obtainable market share or investment performance.
We build for families who support each other across borders, including people underserved by traditional banking. Starting with Guatemala, our mission is to make sending and managing money easier, reduce transaction costs and pair useful financial tools with clear financial education.
A wallet and family transfers designed to lower barriers to everyday financial services, with identity verification and eligibility requirements.
Clear guidance on fees, exchange charges and account safety, so people can make informed choices and use financial tools with confidence.
Our goal is to reduce local and international transaction costs in every market we enter, helping families get more value from their money.
The same remittance series shows the scale of Guatemala’s inflows. Account ownership shows a separate challenge: making useful financial tools accessible.
Focused vertical axis, starting above zero to show annual changes.
| Year | Remittances received |
|---|---|
| 2022 | $18.20B |
| 2023 | $19.98B |
| 2024 | $21.64B |
World Bank, personal remittances received, current USD, 2022 to 2024. View World Bank source ↗
Guatemala · Ages 15+ · 2024
An account at a financial institution or a mobile-money provider.
World Bank Global Findex Database 2025, survey year 2024. View World Bank source ↗
In 2024, 38.3% of people aged 15+ had an account at a financial institution or mobile-money provider. This was above 2022 and below 2017. Access, identity, connectivity and eligibility shape who a digital service can reach.
Public market context, not UffPay customers or performance.
A transfer can help a family cover everyday needs, support education or plan what comes next. UffPay aims to make that connection easier, especially for people whose needs are not fully served by traditional financial services.
For a family living across borders, clarity matters. Our goal is to make it easier to send from the United States to Guatemala, understand the charges and follow the transfer, with help in English or Spanish.
Less uncertainty around a meaningful transfer
Receiving money is one part of the picture. A wallet for dollars and quetzales, transaction records and instant, free transfers between UffPay users within Guatemala can help people manage money in their daily lives, including those with limited access to banking services.
More practical control over everyday money
We are committed to financial education alongside access. Clear explanations of fees, exchange charges, account safety and transfer planning help people ask better questions and make choices that suit their families.
Knowledge that makes access more useful
Our ambition is broader financial and banking inclusion across Latin America and the Caribbean. We aim to carry the same commitment into each community: useful tools, understandable information and support that respects local needs.
Understand how families receive, use and manage money, and where access remains difficult.
Adapt to local partners, identity requirements, language and operating conditions before entering a market.
Use customer feedback to improve usability, education and support as the service develops.
Financial inclusion means being able to understand and use financial tools, not simply open an account. We are committed to making essential money knowledge easier to access. Start with these practical guides.
Wallet availability, physical-card readiness and commercial performance are separate milestones. The platform brings the first two together while scaled operating results remain to be established.
Pre-revenue. Technical readiness and testing do not establish recurring revenue, profitability or performance at scale.
UffPay applies AI to risk analysis and customer assistance. BlackEagle AI, our internally developed compliance and risk platform, connects information with the teams responsible for acting on it. This foundation supports our ambition to make financial services more accessible, understandable and efficient as we grow.
Compliance & risk platform
Investigate alerts in context
Simplified risk workflow. Customer assistance is a separate use of AI.
BlackEagle brings together identity, screening and transaction context. Defined rules and AI-assisted pattern analysis help teams identify unusual activity, prioritize relevant signals and investigate cases with a fuller picture.
Purpose: better-informed risk review
Bilingual AI assistance answers routine questions and helps people understand UffPay’s services. Escalation connects exceptions and account-specific matters with the appropriate team, keeping assistance and accountable decisions connected.
Purpose: clearer guidance in English and Spanish
Compliance teams evaluate possible matches and record outcomes. Human judgment, access controls and ongoing testing remain part of the workflow. AI supports the review process; responsibility stays with the people operating the service.
Purpose: traceable decisions and oversight
The team developing UffPay’s wallet also develops BlackEagle. Building these workflows internally allows us to evolve the product, risk operations and customer experience together, while integrating specialist identity, screening and processing services.
Our aim is to build on these capabilities in three directions, with product quality and responsible execution guiding each step.
Extend useful automation and assistance so teams can focus on complex cases and customer needs as activity grows. Operating efficiency and service quality must be demonstrated in practice.
Develop clearer guidance around transfers, charges and safe account use. The opportunity is to combine digital access with the knowledge people need to use it confidently.
Build on reusable technology and review workflows while adapting to each market’s partners, language and requirements. Expansion still depends on local readiness and approvals.
These are development objectives. New capabilities require testing, privacy and security review, and applicable partner or regulatory approvals. AI effectiveness is assessed through alert quality, customer outcomes and operational review.
The next step is coordinated execution: customer access, card distribution, service quality and disciplined local growth.
The wallet supports the U.S. to Guatemala corridor. Product availability is distinct from the commercial scale UffPay intends to build.
The Visa relationship provides a framework for the prepaid program, subject to contractual conditions and relevant approvals.
Fiserv/Clover supports U.S. processing; NeoNet supports Guatemala processing. Providers perform distinct roles rather than serving as interchangeable backups.
BlackEagle connects risk signals with human case review, while bilingual AI assistance supports customer understanding. This in-house foundation can help UffPay develop more capable services as it grows.
Completed Dock integration and printed physical cards support the next phase. Activation and use remain subject to program requirements.
The international remittance sender fee is 3.5% + $0.50. FX adds 1% to 1.5% over the applicable base. UffPay’s receiver fee for international remittances is $0; the final quote governs.
The seven-year Visa framework covers ten markets. Product delivery depends on the issuer, processor, network and local operating arrangements working together.
Agreement coverage defines a commercial framework. It is not a banking license, permission to operate in every market or a committed launch schedule.
Program participation remains subject to contractual launch requirements, any valid extension or waiver, partner readiness and applicable approvals.
Network and technology providers perform different functions, each under the applicable agreement and operating requirements.
Potential access through authorized independent institutions, subject to appropriate arrangements and permissions.
A possible future service through suitable partners, with separate eligibility, risk controls and commercial terms.
Prospective merchant and operational tools, subject to development and the requirements of each use case.
Bill splitting and bank-account connections are coming soon and are not yet available. Bill payments are also prospective, requiring additional integrations and agreements.
Additional product possibilities, not established recurring revenue or current service availability.
An approved Bridge institutional account supports exploration of Company-account stablecoin settlement. Integration and deployment are separate; this is not a live consumer crypto service.
Our ambition is to bring useful financial access, family connections and financial education to more communities. We start with Guatemala and the U.S. remittance corridor, then prepare each new market around local needs and readiness.
Guatemala
Guatemala is our current operating focus. We bring remittances, wallet access and everyday payments together, with a commitment to financial education and people underserved by traditional banking.
Illustrative roadmap. Routes show strategic connections, not live transfers or confirmed launch dates.
Build adoption, strengthen the customer experience and validate sustainable unit economics in our current market.
Assess readiness and corridor demand. Both remain prospective; the sequence will reflect local requirements, partners and operating capacity.
Assess licensing, partners, economics and risk before any local entry. Every market decision is gated and approved at the parent.
The nine markets beyond Guatemala are prospective. Entry requires a funded plan, legal and regulatory assessment, executed partner arrangements and suitable controls. The illustration is not live traffic or a promised rollout sequence.
We would like to hear from you.
Reach out to our team to learn more about UffPay and how we are modernizing cross-border payments between the United States and Latin America.
Investors can write to us to request a copy of the Private Placement Memorandum and the investor deck.
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