# MuffinPay

> MuffinPay is building Life Payments: one place to pay the bills of the people you love, send money home and spend with one card, across borders.

## About 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. Contact: info@muffinpay.com.

Last updated: 2026-10-20

## Key facts (2026)
- Category: Life Payments — cross-border bill payments, money transfer and a card
- Reach: 35,000+ billers in 180 countries
- First corridors: UAE, Saudi Arabia, UK, USA and Canada to India, Philippines, Bangladesh, Nepal, Nigeria and Kenya; India is the first corridor
- Waitlist offer: first 10,000 pay no MuffinPay transfer fee for life; the first 1,000 also get first access and a sealed founding gift (conditions apply)
- Settlement: money moves across borders as stablecoins (USDC and USDT) and settles in seconds, 24/7; billers and families receive local currency
- Regulated services are carried out by licensed, authorised partners in each market
- Contact: info@muffinpay.com

## Key pages
- [MuffinPay home](https://muffinpay.com/)
- [Join the Waitlist](https://waitlist.muffinpay.com/)
- [About MuffinPay](https://muffinpay.com/about/)
- [Security](https://muffinpay.com/security/)
- [Regulated partners](https://muffinpay.com/regulated-partners/)
- [Trademark and official channels](https://muffinpay.com/trademark/)
- [Privacy Policy](https://muffinpay.com/privacy/)
- [Terms of Use](https://muffinpay.com/terms/)

## Questions
- **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 info@muffinpay.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.

## MuffinPay properties
- [Join the Waitlist](https://waitlist.muffinpay.com/)
- [MuffinPay Business](https://business.muffinpay.com/)
- [MuffinPay Explorer](https://explorer.muffinpay.com/)
- [MuffinPay Government](https://govt.muffinpay.com/)
- [MuffinPay CBDC](https://cbdc.muffinpay.com/)
- [Investors](https://investors.muffinpay.com/)
- [Insights](https://insights.muffinpay.com/)
- [News](https://news.muffinpay.com/)

## Sources for statistics on muffinpay.com
- World Bank, remittance flows to low- and middle-income countries, 2024 ($685 billion; India $129 billion)
- World Bank Remittance Prices Worldwide, Q3 2025 (6.36% average cost of sending $200)
- UN DESA, International Migrant Stock 2020 (281 million international migrants)
- a16z crypto, State of Crypto 2025 (stablecoin supply above $300 billion; 87% USDT and USDC; $9 trillion adjusted volume)