TRANSFERS · THE WEDGE

Money home in minutes, at a price you can see.

Send from Canada to Africa — Kenya and Ghana first, then corridor by corridor as each clears its gates. The Routing Intelligence Engine picks the rail per send; you see the fee, the margin and the arrival time before you tap.

2.92%all-in on CA$300

~5 minto land

2first corridors — Kenya & Ghana

01 · WHO

Tap a face, not a form.

Saved people with their payout method — M-Pesa, EcoCash, MTN MoMo or a bank. New people need a name and a number.

02 · HOW MUCH

One number, everything visible.

Type once. See what she receives in her currency, the $0.99 + 2% fee, the 0.6% FX margin, and what a bank counter would have taken.

03 · ROUTE

Reasoned, not rule-matched.

Base, Polygon, Stellar and Solana are scored on fee, finality, liquidity and partner SLA for this exact transfer. The quote locks for 30 seconds.

04 · SENT

Watch it land.

A live status the recipient can open on WhatsApp, a receipt with the rail it settled on, and a bank wire still on day one of five.

AN ILLUSTRATIVE TUESDAY

Calgary, 6:40pm. Bulawayo, 2:40am.

Siphe's mother needs CAD 300 for a clinic deposit before the ward opens. On a bank wire she would fill a form on Wednesday, pay $28.50 in stacked fees, and hope the money cleared before Friday. She sends it from her phone during dinner instead.

Her mother's phone buzzes before the plates are cleared. Siphe keeps the receipt hash in the app, alongside the twelve she sent before it.

$19.75saved on this send

5m 53ssend to SMS

A worked example, not a customer record. Coynitt has not yet opened to the public.

18:40:02CAD 300 entered. Quote returned: $8.75 all-in, 207 USD.

18:40:19Confirmed with Face ID. Rate locked at the quoted mid-market reference.

18:40:23Routing engine evaluates four paths, selects the one with the healthiest payout window.

18:41:07Settled on Base L2. Receipt hash issued to both sides.

18:45:44Payout partner confirms funds to her mother's USD wallet in Bulawayo.

18:46:12Her mother gets the SMS. Siphe is still at the table.

Canada → Africa, per CA$300 sent.

CORRIDORRECIPIENT GETSTOTAL COSTSETTLES

Kenya (KES)~26,700 KESCA$8.75~5 min

Ghana (GHS)~2,400 GHSCA$8.75~5 min

Zimbabwe (USD) · invite-only~207 USDCA$8.75~6 min

Indicative. Recipient amounts from mid-market reference rates, net of our disclosed 0.6% margin. The live rate on your quote is what applies once Coynitt opens.

WHAT YOU NEVER SEE

No wallets. No gas. No block confirmations.

Under the hood a USDC transfer settles on Base and pays out through a licensed partner. You see a name, an amount, a fee and an arrival time — and that is all you should have to see.

CustodyCoynitt-managed wallets · Circle

SettlementUSDC on Base · Polygon fallback

PayoutM-Pesa · EcoCash · MTN MoMo · bank

LimitsTier 2 · CA$3,000 per send

Questions people ask before their first send.

Does my mother need the app?

No. She receives money straight into M-Pesa, EcoCash, MTN MoMo or her bank account, plus a WhatsApp message with a live status link.

What if the details are wrong?

You confirm the recipient's name and account on the last screen. Transfers are final once sent, so we ask twice.

Why is the FX margin shown?

Because most apps hide it in the rate. Ours is 0.6%, on the quote, every time.

Which countries are next?

We add corridors on demand after FINTRAC MSB approval. Tell support where you send.

Money home in minutes, at a price you can see.

Calgary, 6:40pm. Bulawayo, 2:40am.

Canada → Africa, per CA$300 sent.

No wallets. No gas. No block confirmations.

Questions people ask before their first send.

Be first through the door.