Software for electronic money institutions.
Customer wallets, a double-entry ledger, cross-border payouts and compliance checks on one platform, in your brand and under your licence.
See it with your corridors.
Not ready to talk? Setup, the monthly fee by volume, and what it includes, with a real example bill.
Your AI answers: “Is RemitSo a fit for our EMI, and what is built in, what is an add-on and what would we still need?”
Look at wallets, the ledger and how your card issuer would connect.
Your customers hold money with you. Let them send it abroad too.
Cross-border transfers keep growing, and digital services are bringing the cost of sending down. Your customers already trust you with their balance, so sending can sit in the same app.
- sent home to low- and middle-income countries in 2025
- US$728.6bn
- growth in those flows since 2016
- +94%
- people sending, supporting 1.1 billion relatives
- 220 million
Sources: World Bank, Remittance Prices Worldwide, Issue 53, March 2025 (cost of sending USD 200). IFAD, Sending Money Home, September 2026.
Every capability, labelled honestly.
What is built in, what is an add-on, what connects through an API and what we don’t do.
Part of the EMI platform.
- Customer wallets and balances
- Double-entry ledger, by currency
- Admin panel with roles for every page and action
- ID, selfie and live face checks
- 8 sanctions lists, kept up to date
- 47 risk indicators and AML rules you set
- Payouts and payment collection through connected partners
- Branded iOS, Android and web apps
Licensed separately, priced separately.
- Live rate feed
- Promo codes and rate alerts
- Sending Forecast
- AI Assistant
- Staff training programme
Scoped and quoted with your team.
- Your card issuer: link cards to your programme through the issuer’s API, as a custom integration
- Your own payment, payout and ID partners
So you know before you call.
A built-in card product or BIN sponsorship
Merchant acquiring and merchant dashboards
A licence: RemitSo is a technology company
Wallets on a real ledger.
The heart of an EMI platform: balances your customers hold with you, under your licence.
Balances from the ledger
Wallet balances sit in their own ledger account, update live and can’t go below zero.
Set up country by country
Switching a country on or off is a dated decision with history. Terms are versioned per country and language.
Verified before funded
Funding a wallet needs a verified identity. Customers load by bank transfer, and pay for transfers from their balance.
Every cent on the books, as it moves.
A double-entry ledger records every payment, payout, refund, fee and FX movement. Customer wallets are built in.
Wallet W92060063
USD 1,240.00Built in for EMIs, and switched on per market under your licence.
Payout succeeded · #4827193
Balanced| Account | Debit | Credit |
|---|---|---|
| 2100 Customer funds payable | USD 500.00 | |
| 1900 FX position | USD 500.00 | |
| 1900 FX position | XOF 300,000 | |
| 2200 Partner payout payable | XOF 300,000 |
| Account | Balance |
|---|---|
| 1100 Payment gateway receivable | USD 18,420.00 |
| 2100 Customer funds payable | USD 12,905.00 |
| 2200 Partner payout payable | XOF 4,212,000 |
| 4200 FX margin revenue | USD 933.80 |
Example figures.
| Account | Type | Balance |
|---|---|---|
| 4150 Promotional discounts | Contra-income | USD 64.00 |
| 5100 Payment gateway fees | Expense | USD 41.20 |
| 5200 Payout partner fees | Expense | USD 88.00 |
| 5300 FX loss | Expense | USD 0.00 |
43 alert events, each with its own subscribers.
| Entry | Debit | Credit |
|---|---|---|
| Payment captured | USD 300.00 | USD 300.00 |
| Refund · reverses the capture | USD 300.00 | USD 300.00 |
Bank-grade compliance, without the extra headcount.
8 sanctions lists, 47 risk indicators and every ruling on record. Your team only sees what needs a person.
Passport · photo page
ApprovedSanctions screening
8 lists · up to dateCAD, from Canada
In force| Up to | Documents asked for |
|---|---|
| CAD 3,000 | Proof of identity |
| CAD 9,000 | Proof of identity + proof of address |
| CAD 50,000 | + source of funds |
Example amounts. You set your own, per currency and corridor.
What stays with your team.
Your licence and your regulator
You hold the licence and answer to your regulator. Compliance decisions stay with your officers.
Client funds
Customer money stays in your accounts. Your safeguarding arrangements stay with your team.
Your partners
Your bank, card issuer and payment contracts stay in your name.
Two ways to run it.
Your own instance and branded apps, run and updated by us. USD 7,999 once, then monthly by completed transfers.
See white label pricing → Source codeThe complete code, in your own environment. USD 77,999 once, after a live code audit.
See source code pricing → Already on a platform?We migrate your data, you run a trial, then customers move in stages.
How migration works →Three steps to going live.
See it with your corridors
A 30-minute demo of the real admin panel and customer apps, built around your markets.
Agree what you need
Wallets, corridors, partners and your card issuer. We tell you what is ready and what needs scoping.
Go live on your own instance
The white label timeline is agreed at kick-off. A card issuer connection is scoped and timed separately.
EMIs ask us these first.
Straight answers before you get on a call.
Does RemitSo issue e-money or hold customer funds?
No. RemitSo is a technology company and holds no licence. You issue e-money under your own licence, and customer money stays in your accounts.
Can we issue cards?
There is no built-in card product. We connect your card issuer through its API as a custom integration, scoped and quoted with your team.
How are wallet balances kept apart?
They sit in their own account in the double-entry ledger, and you can click through to the entries behind the balance. Safeguarding itself stays with your team and your bank.
Do you handle merchant acquiring?
No. RemitSo has no merchant onboarding, merchant dashboards or acquiring.
Which regulator reports are ready?
Australia’s international funds transfer report is built in today, and suspicious activity reports are handled in the admin panel. Tell us which reports you need, and we will tell you what is ready.
Can we keep our own partners?
Yes. Use our payment, payout and ID partners, or we integrate your own.
What does it cost?
White label is USD 7,999 once, then a monthly fee from USD 299 by completed transfers. Or own the source code for USD 77,999 once. We confirm wallet pricing for your setup on a call. Other add-ons are priced separately, and a card issuer connection is quoted. No revenue share.
Are your customer stories from EMIs?
Our published stories come from money transfer operators. Ask us on a call what is relevant to you.
Built by people who have helped MSBs for years.
47 ready-made risk indicators, drawn from what they see every day, combined into your own rules.
- 47 ready-made risk indicators
- Your own rules
- 8 sanctions lists
- A person decides