SettleySend

SettleySend makes cross-border remittance feel as simple as sending a message.

Instead of creating a new crypto payment for every transfer, a sender funds their reusable SettleySend Wallet once with USDC. From there, sending money takes three steps:

1. Choose an amount.

2. Choose the destination country.

3. Confirm the transfer in Telegram.

The sender never needs to copy wallet addresses, choose a blockchain, manage gas, or understand how the payment is routed. SettleySend automatically selects an available balance across Arbitrum , moves the USDC into the correct payment flow, and confirms the transfer onchain.

Once funded, SettleySend creates a secure claim code and link that can be shared through Telegram, WhatsApp, SMS, or any messaging app. Receiving takes two steps:

1. Open the claim.

2. Choose an available local bank or crypto-wallet payout.

This means senders do not need to collect or store recipients’ banking details, while recipients choose how they receive their money.

Under the hood, SettleySend combines Turnkey-backed wallets, deterministic CREATE2 payment vaults, live FX estimates, Supabase-backed payment state, compliance screening, and capability-driven payout routing. Every transfer receives its own onchain payment reference, while failed or delayed payouts remain recoverable instead of losing the recipient’s claim.

SettleySend turns stablecoins from something users must understand into invisible settlement infrastructure: fund once, send globally in three steps, and receive in two.

During the hackathon, we focused on expanding SettleySend’s payment infrastructure, compliance tooling, and operational safety.

We shipped the Switch NGN-to-USDC onramp with payout-limit enforcement, this allows and corrected a currency-validation issue that miscalculated limits for non-1:1 fiat conversions.

We also added Qwen OCR for identity review, OpenSanctions wallet screening, and a rules engine for transaction monitoring.

Bootstrapped.