MuffinPayMuffinPay
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Founding Families10,000 numbered places

Never pay a taxon love.

MuffinPay lets you send money and pay your family’s bills across borders, using stablecoins, straight to the biller, with proof. For example: from Dubai, pay Mum’s electricity in Kochi; from London, pay Riya’s school fees in Pune; from New York, pay Ammu’s hospital bill in Kolkata; from Toronto, pay Papa’s phone bill in Ludhiana.

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.

Claim my Founding placeSee how it works
  • 35,000+billers worldwide
  • 180countries reached
  • 24/7Sundays included
  • 10,000Founding places

How MuffinPay works

A bill is never just a bill.

From wherever you live, MuffinPay pays their electricity, school fees, hospital bills and rent in India, straight to the biller, and sends you the proof that it is done.

HomeSunday lunch
A gas bill is the whole family around one table.Cooking gas in Pune, paid from London.
BabaPunePaid · Sun 10:05 am
HealthEvery evening
A health insurance premium is Mum and Dad’s evenings, worry-free.Health insurance in Ahmedabad, paid from Sydney.
Mummy and PapaAhmedabad₹24,500.00
EducationExam season
A coaching fee is a dream of becoming a doctor.Coaching in Lucknow, paid from New York.
MaaLucknow₹12,000.00
ConnectionEvery call
A mobile recharge is your sister’s laugh on every call.Mobile plan in Ludhiana, paid from Toronto.
SimranLudhianaPaid · 8:15 pm

Why bills? They are the payments a family cannot skip, cannot postpone and cannot stop. That is why we start there.

Illustrative stories. India opens first; more countries follow.

Why MuffinPay

Love arrives intact. Every rupee of it.

No transfer fee, and nothing hidden in the exchange rate. Home receives the live mid-market rate, the one Google shows, on every amount, every day of the week.

What reaches Mum, at a glance.

What typically reaches Mum through each. Up to ₹9,495 of $1,000 never gets to her.

MuffinPayMuffinPayRate of 24 Oct 2026
Sending from
$USD
Rate
1 USD = ₹94.95
Transfer fee
$0.00
Added to the rate
0.00%
Mum receives₹94,946In her bank account, in seconds
The same $1,000, sent another wayMum receives

    Typical published pricing, checked 25 October 2026. Ranges, not quotes: prices change with amount, day and payment method. Rate: daily mid-market rate. Names and logos belong to their owners and are shown only to identify them; MuffinPay is not affiliated with them.

    Life Payments

    Every way you care for home. One app.

    Pay their bills, send them money and spend with one card, all from one app. Wherever you live, the people you love are looked after.

    Bills back home

    Every bill at home. Settled from anywhere.

    Electricity, school fees, hospital bills, the phone, the rent. Paid in full, straight to the biller, with a receipt for you both.

    35,000+billers in 180 countries
    Money to family

    Straight to their bank account.

    Zero fee and zero FX markup. They get the live rate you see on Google, in their account in seconds.

    Made for the way your family lives

    The small things that make distance disappear.

    Your people, in one place

    Add Mum and Dad, your partner or your closest friends once, with their billers. Next month it takes a tap.

    Reminded before it’s due

    A gentle nudge before every due date, so nobody back home hears from the electricity board first.

    Live · the rate Google shows
    1 USD =₹94.95
    Added to the rate 0.00%Transfer fee $0

    The real rate, always

    The live mid-market rate you see on Google, with nothing added. You see exactly what lands before you confirm.

    ReceiptElectricity · KochiRef 004821
    Amount paid₹2,230.00
    Paid fromDubai
    Paid
    in full
    Electricity bill paid Thank you, beta. Received. Mum · 7:12 AM

    A receipt, and a thank-you

    Every payment brings a receipt to you and a message home, so everyone knows it’s done.

    6on-time bills in a row
    A thank-you, sealedA surprise gift, sent

    Rewarded for caring

    Pay on time and something comes back to you. What it is stays sealed until launch.

    •••• 4821
    Bank card
    USDC · USDT
    Local moneylands at home

    Pay the way you like

    From your bank card, or from the USDC and USDT you already hold. Home always receives local money.

    The MuffinPay card

    One card for here and home.

    Spend at shops, online and abroad, from your local money or your own digital dollars. Its design stays sealed until launch, and Founding Families break the seal first.

    About the card
    Peace of mind

    Paying for home from far away? Know it’s done right.

    You keep your own keys, licensed partners move every payment, and your details are never sold. So the only thing on your mind is home.

    1. Your keys, your money

      Your coins stay in a wallet only you hold the keys to. Nothing moves until you say so. Not even we can touch it.

      How self-custody works

    2. Moved by licensed partners

      Licensed payment partners carry every rupee, in every country, from your tap to Mum’s account.

      Our partners

    3. Your details stay yours

      We use your details to run your payments and keep you safe. We never sell them.

      Privacy

    4. We never ask for your codes

      Not your password, not a one-time code, not your recovery phrase. Never a fee to join.

      Staying safe

    Founding Families

    Ten thousand homes go first.

    The first 10,000 families on the waitlist pay no transfer fee and get the real rate, for life. They get in first when MuffinPay opens in their country, and each place is numbered and stays theirs.

    • 1,000The first thousand also receive the sealed founding gift, revealed at launch.
    • +100Every friend you invite moves you 100 places up the line.
    • No. 0001Your number is set the day you join and never passes to anyone else.
    Claim my Founding place

    Takes 30 seconds. No payment details. For ages 18 and over. India first, 180 countries to follow. Conditions apply.