Be among the first10,000 households.
MuffinPay lets you send money and pay your family’s bills across borders, using stablecoins, straight to the biller, with proof. The households who come first keep it for good.
- No MuffinPay transfer fee, for life
- First access when we open in your country
- A numbered place that never comes again
— Founding places leftof 10,000
UK
USA
Canada
UAE- and other countries
For everyone who built a life far from home, and still looks after the one they left.
The Founding card
Numbered once. Yours for life.
Ten thousand households will hold a numbered Founding place. Your number is set the moment you claim it, and it never passes to anyone else.
- Transfer fee
- None from MuffinPay, for life
- Access
- First, when we open in your country
- Your number
- One of 1 to 10,000
Illustration of the digital Founding card you receive when you join.
Families send $685 billion home a year. Too much is lost on the way.
Money crosses borders every day to keep the lights on back home. The way it moves has barely changed, and families pay for it on every transfer.
sent home to low- and middle-income countries in 2024.
Source: World Bank (opens in a new tab), 2024average cost of sending $200 across borders, more than twice the global 3% target.
Source: World Bank Remittance Prices Worldwide (opens in a new tab), Q3 2025Founding places, each numbered, each kept for good.
MuffinPay Founding HouseholdsHow MuffinPay works
Pay it here. Feel it there.
Choose a bill at home, pay it from wherever you live, and it reaches the biller in full. Then comes the part no bank has ever shown you: the message back.
- 01Choose the bill at homeElectricity, school fees, the phone, insurance, water.
- 02Pay from where you areFrom your card or bank, with the exchange rate shown first.
- 03They get the receipt. You get the thank-you.Paid in full, straight to the biller, in seconds.
MuffinPay pays the bills of the people you love in another country, straight to the biller, from wherever you live. For example: from London, pay school fees in Pune; from Dubai, pay electricity in Kochi; from Toronto, pay a phone bill in Manila; from New York, pay insurance in Lagos.
Every bill at home, settled from anywhere
Electricity, school fees, hospital bills, the phone. Paid in full, straight to the biller, with a receipt for you both.
35,000+billers in 180 countries
Money home, straight to their bank
See the exchange rate before you send. Founding Households pay no MuffinPay transfer fee.
Secondsto settle, any hour
One card, everywhere you spend
At home, abroad and online. Waitlist members hear first when the card opens in their country.
Coming soonIllustrative stories. MuffinPay opens country by country.
Founding Households
10,000 places.A seat at the start.
Why join now? Places go in the order households join. Here is what each place carries, and how the friends you bring move you up.
- 1,000The Founding 1,000No MuffinPay transfer fee for life, first access in your country, and the sealed founding gift
- 10,000Founding HouseholdsNo MuffinPay transfer fee, for life
- +100Every friend you inviteMoves you 100 places up the line
- 3 friendsYour first bill home, on usWe pay one bill back home at launch, up to $10
- 10 friendsA Founding place, whatever your numberTen friends make you a Founding Household
The sealed giftReserved for the Founding 1,000. Revealed at launch.
Takes 30 seconds. No payment details. For ages 18 and over. Rewards depend on identity checks and availability in your country at launch. Conditions apply (opens in a new tab).
Bring your people. Rise in line.
Your invite link is yours alone. Every friend who joins with it moves you 100 places closer to the Founding 10,000.
Get your invite link
Join the waitlist and your personal link appears here and in your welcome email.
Your invite link
Every friend who joins with this link counts towards your rewards.
waitlist.muffinpay.comA friend counts when they join through your link, or type your invite code in the form, with their own name, email and mobile or Telegram. We email you each time one joins.
Good to know.
Anything else? Write to info [at] muffinpay.com.
What is MuffinPay?
MuffinPay is a cross-border payments app built on stablecoins. Send money and pay bills for the people you love in another country: rent, electricity, school fees, insurance. Bills go straight to the biller, money lands in local currency, with proof. Contact: info [at] muffinpay.com.
Why join the waitlist now?
Because the households who come first keep it for good. The first 10,000 people on the waitlist become Founding Households: no MuffinPay transfer fee for life, first access when MuffinPay opens in their country, and a numbered place that never comes again. Joining takes 30 seconds and needs no payment details.
What is the Founding 1,000?
The first 1,000 places in line. They keep everything a Founding Household has, and they also receive the sealed founding gift, reserved for them and revealed at launch.
What does no MuffinPay transfer fee mean?
MuffinPay charges you no transfer fee on your personal bill payments and money transfers, for as long as your account is active. The exchange rate is always shown before you pay. Fair-use limits are published at launch, and card or third-party fees are not included.
How do invite rewards work?
After you join you get your own invite link and code. Each friend who joins with it moves you 100 places up the line. At 3 friends we pay your first bill back home at launch, up to $10. At 10 friends you become a Founding Household, whatever your number.
Can I pay bills back home from the UK, the US, Canada or the UAE?
Yes. That is what MuffinPay is built for, wherever you live: paying electricity, water, phone, school fees and insurance for a home in another country, straight to the biller, with reach to 35,000+ billers in 180 countries. You can also send money straight to a family member's bank account.
When will I get access?
MuffinPay opens country by country, and invites go out in order of place in line. We email you as soon as your invite is ready.
What do you do with my details?
We use them only to hold your place, send your invite and share launch updates. We never sell your data. To leave the list at any time, write to info [at] muffinpay.com.
What are the conditions?
One place per person, confirmed when you verify your identity at launch. Rewards depend on MuffinPay being available in your country. A friend counts when they join with their own name, email and mobile or Telegram through your link or invite code; duplicate or fake sign-ups are removed. The waitlist is for people aged 18 and over.