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
Founding Families10,000 numbered places
Never pay a taxon love.
MuffinPay lets you pay the bills of the people you love in another country, from wherever you live. For example: from Dubai, pay Mum’s electricity in Kochi; from London, pay Riya’s school fees in Pune; from New York, pay Mama’s hospital bill in Lagos; from Toronto, pay Papa’s phone bill in Manila.
MuffinPay is Life Payments: bills, money home and one card across 180 countries. Moved as stablecoins, settled in seconds.
- 35,000+billers worldwide
- 180countries reached
- 24/7settled in seconds
- 10,000Founding places
How MuffinPay works
A bill is never just a bill.
Life Payments, wherever life is. Family is whoever you would pay a bill for: parents, a partner, your closest friends. MuffinPay pays the bill itself, straight to the biller back home, so what it stands for never has to wait.
HomeSunday lunch
BabaPunePaid · Sun 10:05 am
HealthEvery evening
Mummy and PapaAhmedabad₹24,500.00
EducationExam season
MaaLucknow₹12,000.00
ConnectionEvery call
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.
What you see
One tap, then a receipt for you and a message from home.
What MuffinPay does underneath
- AED 100.00 received
- Moved as USDC
- Settled in seconds
- ₹2,230.00 paid to the electricity board
- Receipt to you, message home
Calm on the surface. Everything handled underneath.
Example amounts. Rates are shown before you pay.
Stablecoin rails
Global bill payments, on stablecoins.
Money crosses borders as regulated digital dollars, USDC and USDT, that settle in seconds at any hour. At home it lands in local currency, paid straight to the biller or the family’s bank.
Moves as
USDC
USDTUSDC and USDT are trademarks of their respective owners, shown only to identify the stablecoins used. No endorsement is implied.
USDCUSDTUSDC and USDT are trademarks of their respective owners, shown only to identify the stablecoins used. No endorsement is implied.Seconds, not days
No chain of correspondent banks. The payment settles while you are still in the app.
Open every hour
Bills don’t wait for banking hours, and neither does MuffinPay. Sunday night works too.
Your wallet, your keys
Already hold USDC or USDT? Pay bills and send money home straight from your own wallet.
Local money at home
The biller and the family receive local currency. Nobody back home needs a wallet or an app.
$300B+in stablecoins in circulation worldwide
87%of that supply is USDT and USDC
$9Tin organic stablecoin payment volume, almost half of Visa’s
Source: a16z crypto, State of Crypto 2025 (opens in a new tab), adjusted volume. Stablecoin conversion and payouts are carried out by regulated partners where available. MuffinPay does not offer stablecoins as an investment; availability varies by country.
MuffinPay Card
Quietly yours.Everywhere you spend.
One card for your digital dollars and local money, at home, abroad and online. Its design stays sealed until launch.
- Spend in any currencyPay at home and abroad wherever Visa is accepted.
- Your details, privateThe full number, CVV and controls stay in the app.
- Founding Families firstThe card is revealed at launch, and Founding Families see it before anyone else.
Coming soon, market by market
Sealed until launchFounding Families break the seal first.
Life Payments
Every way you care for home. One app.
Bills are where it starts. Money home and the MuffinPay Card complete a family’s financial life across two countries.
Straight to their bank account.
See the exchange rate before you send. Founding Families pay no MuffinPay transfer fee.
Why now
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.
$685B
sent home to low- and middle-income countries in 2024.
Source: World Bank (opens in a new tab), 20246.36%
average 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 2025$129B
received by India in 2024, the largest recipient in the world.
Source: World Bank (opens in a new tab), 2024Founding places10,000
Only 10,000 places. The first 1,000 are rarer still.No MuffinPay transfer fee, for life. Conditions apply.
How Founding places workGlobal from day one
Built for families who live in two countries.
One family, two time zones. Wherever you are, home is looked after. India is the first corridor; more open market by market, and availability varies by country.
Dubai11:40 PMStill at work, far from home.
Kochi1:10 AMAt home, nothing left to worry about.
Sending from
- UAE
- Saudi Arabia
- United Kingdom
- USA
- Canada
Paying bills in
- India
- Philippines
- Bangladesh
Nepal- Nigeria
Kenya
Trust
Money is personal. We treat it that way.
Every service is carried out with authorised partners, every price is shown before you pay, and your data is never sold.
Regulated partners
Payments, conversion and payouts run through licensed, authorised partners in each market.
Our partnersNothing hidden
The exchange rate and any fee appear before you confirm. What you see is what home receives.
How pricing worksYour data, protected
Used only to run your payments and keep you safe. Never sold, never shared for advertising.
SecurityThe real MuffinPay
MuffinPay is a registered trademark. muffinpay.com and its subdomains are our only websites.
Official channelsFor investors
The everyday financial app for families who live in two countries.
A bill is paid every month. That habit makes MuffinPay the app a family opens again and again. Stablecoin rails settle every payment in seconds, in any corridor.
281Mpeople live outside the country they were born inUN DESA, 2020
$685Bsent home to low- and middle-income countries a yearWorld Bank, 2024
35,000+billers in 180 countries reachable at launchMuffinPay network
From one bill to a whole financial life
Electricity · Kochi
₹2,230.00
Paid from DubaiPaid in full
Every month, on time
₹30,800.00
CAD 500.00 sentIn her bank account
Example amounts
Family wallet
$1,240.00
USDCUSDTHeld in the family’s own wallet
Built on trust earned monthly
- CreditNext
- InsuranceNext
- Savings goalsNext
Private previews of the MuffinPay App and MuffinPay Explorer, the investor deck and the data room are shared on request. Information only, not an offer to sell or a solicitation to buy any security.
Founding Families
10,000 places.A seat at the start.
Why join now? Because the families who come first keep it for good: no MuffinPay transfer fee for life, first access when we open in your country, and a numbered place that never comes again.
- 1,000The Founding 1,000No MuffinPay transfer fee for life, first access in your country, and the sealed founding gift
- 10,000Founding FamiliesNo MuffinPay transfer fee, for life
- +100Every friend you inviteMoves you 100 places up the line
- 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.
Questions
Good to know.
Anything else? Write to infomuffinpay.com.
What is MuffinPay?
MuffinPay is building Life Payments — one place to pay bills, send money and spend across borders, with reach to 35,000+ billers in 180 countries. It is made for families who live in two countries.
How do I pay my family's bills back home from abroad?
Add the people you care for and their billers, such as electricity, water, gas, mobile, broadband, school fees and insurance. Pay from the app wherever you live, and the bill is paid in full, straight to the biller back home.
Is there a fee?
The first 10,000 people on the waitlist pay no MuffinPay transfer fee, for life. The first 1,000 also get first access in their country and a sealed founding gift. The exchange rate is always shown before you pay. Conditions apply.
Does MuffinPay use stablecoins?
Yes. MuffinPay moves money across borders as regulated digital dollars, USDC and USDT, so payments settle in seconds at any hour. The biller or family receives local currency. If you already hold USDC or USDT, you can pay from your own wallet. Conversion and payouts are carried out by regulated partners where available.
Which countries does MuffinPay cover?
The network reaches 35,000+ billers in 180 countries. The first corridors connect the UAE, Saudi Arabia, the UK, the USA and Canada with India, the Philippines, Bangladesh, Nepal, Nigeria and Kenya, with India as the first corridor. MuffinPay opens country by country.
When can I start using MuffinPay?
MuffinPay opens country by country, and invites go out in order of place on the waitlist. Join at waitlist.muffinpay.com to hold your place and receive your invite.
Is MuffinPay a bank?
No. MuffinPay is a financial technology (fintech) company building Life Payments. Payments, currency conversion and payouts are carried out by licensed, authorised partners in each market.
How can I invest in MuffinPay?
Visit investors.muffinpay.com or write to infomuffinpay.com to request the investor deck. Previews of the app and the explorer are shared with investors on request.
How do I know I am dealing with the real MuffinPay?
The only official MuffinPay websites are muffinpay.com and its subdomains. MuffinPay never asks for passwords, one-time codes, private keys or recovery phrases, and never asks you to pay to join or to claim a reward.
Money is an emotion
Home is wherever your love goes.
Take your Founding place today, then bring your people.
Claim my Founding place