From Global Transfers to Local Impact

We imagine a world where anyone, anywhere, can send, receive, and use money instantly—without the delays, barriers, or hidden costs of today’s financial system. By combining stablecoins with local payment rails in a single, seamless experience, Wello allows people to move assets globally and spend them locally, on their own terms.

The problem with global money today

The global financial system was not built for the digital age.

• Slow and outdated processes: International transfers can take days, passing through multiple intermediaries, with weekends/holidays bringing everything to a halt.
• High costs: Fees stack up at every step, disproportionately impacting those who send smaller amounts or support families abroad.
• Exclusion: Over 1.4 billion people remain unbanked, locked out of the traditional system.‍
• Crypto complexity: While blockchain offers speed, most people hit a wall of confusing steps—wallet addresses, network fees, approvals, and fragmented apps.

Our Vision: 

Make borderless money simple, safe, and usable for everyone.

We imagine a world where anyone can send, receive, and use money instantly—no matter where they live. By combining stablecoins and local payment rails into one clean experience, Wello helps you send your asset globally, and spend it locally, without complicated steps.

What this looks like in practice

• Wello integrates local payment methods from over 120 countries into a global liquidity and settlement layer.
• Instant, 24/7 movement across borders
• Lower, transparent fees you can see before you send
• Control in your hands with self‑custody by default

Our Solution: What Wello does 

Wello connects 120+ local currencies and payment networks (including Pix in Brazil, UPI in India, PayID in Australia, MTN in Africa, and more) with Apple Pay, cards, and stablecoins—all within a self-custodial wallet.

This enables users to:

• Buy stablecoins in two clicks.
• Transfer money across borders in minutes.
• Withdraw to local fiat instantly.
• Access crypto tokens without the maze of traditional apps.

What Makes Wello Different

Unlike most crypto apps that rely on third-party fiat onramps, Wello connects directly to these local payment networks in each country (Such as Pix in Brazil, PayID in Brazil, UPI in India, MTN in Africa & more.

This approach requires:
(i) Securing regulatory licenses individually in each jurisdiction;
(ii) Building custom integrations with local rails.
(iii) Meeting country-specific compliance and operational standards.

It’s not plug-and-play—it’s a ground-up build, requiring legal, compliance, engineering, and regulatory teams to work in sync. This is hard work. But it’s also what makes Wello truly unique: we don’t just build apps, we build infrastructure.

This is the future Wello is building: a borderless money network that feels as natural as sending a text message.

How we plan to achieve this:

1. Creating the World’s First Stablecoin-Powered Payment Application

Wello is building a payments platform that uses the efficiency of blockchain networks—including, but not limited to, BNB Chain—to reimagine cross-border money transfers. Today, sending money internationally is slow, expensive, and intermediary-heavy. 

Wello replaces this outdated process with a streamlined model:

• Stablecoin settlement: Funds are converted into stablecoins and moved instantly across blockchain rails.
  
• 120+ countries supported: Local payment rails allow users to cash-in and cash-out seamlessly, with Apple Pay, cards, and local bank integrations.
  
• Speed and cost-efficiency: What once took days now takes minutes, and fees are displayed upfront, often significantly lower than traditional providers.
  

By combining global liquidity on-chain with local payout networks, Wello transforms the remittance experience from a slow, opaque process into a fast, transparent, and borderless system.

2. Money Transfers & Beyond:

Payments are only the beginning. A truly global money platform must evolve into a financial ecosystem that empowers users not only to move money but also to use and grow it.

Once Wello establishes its initial user base and geographic footprint, we will introduce additional products designed to bring DeFi and financial services to millions of first-time users worldwide:

• Earn/Yield Products
  Simple, accessible yield solutions that allow users to put their money to work without navigating the complexity of DeFi protocols. Wello will integrate only carefully vetted opportunities to ensure safety and transparency.
  
  
• Debit Cards
  A Wello card will enable users to spend directly from their stablecoin balances, bridging the gap between digital assets and everyday life. Purchases in local currencies will feel as seamless as using a traditional bank card.
  
  
• Trading & Access to Digital Assets
  To help traditional users transition into crypto, Wello will provide an easy and compliant way to access tokens beyond stablecoins. This will include simplified interfaces for buying, selling, and holding assets—without requiring users to understand the technicalities of wallets, gas fees, or exchanges.
  

Together, these extensions ensure that Wello grows from a payments solution into a full-stack financial platform, unlocking new opportunities for inclusion, savings, and growth.
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3. Licensing and Regulatory Leadership

Trust is the foundation of global financial services. Wello recognizes that compliance is not optional—it is core to our strategy.

To achieve our vision, Wello prioritizes progressive dialogue with regulators and builds its operations with licensing at the center.  By being proactive, Wello positions itself as a long-term, trustworthy partner to users, regulators, and institutions alike.

Our current and upcoming licenses include:

• VASP (Virtual Asset Service Provider) in Poland
  
• DCE (Digital Currency Exchange) in Australia
  
• In progress:
  
  • Bahrain
  • MiCA (Markets in Crypto-Assets) license in the EU

By treating licensing as a core competency rather than an afterthought, Wello ensures that it can operate globally at scale while offering the safety, transparency, and compliance that users and partners demand.

‍Our Team:

A mission of this scale requires deep expertise. The Wello team brings together:

• Veterans of leading financial institutions who understand the rigor of compliance and regulation.
  
  
• Senior leaders from global digital asset exchanges (including Binance) with experience scaling crypto platforms to millions of users.

We are united by one goal: to make global money movement easier, cheaper, and faster for people everywhere

Wello’s business model:

For Wello to succeed globally, we must balance two goals:

1. Affordability and accessibility for our users, who expect lower fees than traditional remittance providers.
   
   
2. Sustainability and scalability for Wello, so we can continue expanding into new markets and building new features.

Revenue Streams:

1. Conversion Fees (Core Revenue Layer)
When users convert between fiat and stablecoins, or vice versa, Wello charges a small fee on top of our costs. This spread is significantly lower than traditional money transfer applications like Western Union or MoneyGram.

• Example: A typical remittance can cost 5–7% via legacy providers. Wello aims to bring this down to under 2%
  
  

2. Free Peer-to-Peer Transfers (Network Effect Growth)
Once money is in the Wello Wallet, users can transfer funds to each other at zero cost.

• This encourages network effects: users invite friends and family to join Wello to enjoy free, instant transfers.
  
  
• It also aligns with our mission of financial inclusion, ensuring low-income users aren’t penalized for sending small amounts.
  
  

3. Earn / Staking Products (Future Revenue Sharing)
Wello plans to introduce simple, transparent earn products that give users access to DeFi yields without complexity.

• Revenue model: Wello may share a small portion of yields generated, while passing the majority to users.
  
  
• Positioning: Low-barrier entry to digital savings products for millions of first-time crypto users globally.
  
  

4. Debit Card Products (Merchant-Side Revenue)
When launched, Wello debit cards will allow users to spend directly from their wallets.

• Revenue model: Revenue sharing agreements with merchants and payment processors (interchange), without dipping into user balances or charging hidden fees.
  
  
• This turns Wello into a daily-use financial tool, not just a transfer app.
  
  

5. Ramp & B2B Services (Institutional Revenue Stream)
Wello is also building infrastructure that other crypto projects and exchanges can use to handle fiat-to-stablecoin flows.

• The Ramp product positions Wello as a B2B service provider, similar to MoonPay
  
  
• Fun Fact: Wello served as the exclusive on-ramp provider for Binance (2023–2024), proving its ability to operate at global scale.
  
  

Our Mission:

Wello’s mission is to build the simplest way to buy, send, and use money across borders—then cash out locally.

To achieve this, we partner with the leading stablecoin issuers such as Circle, blockchain networks like BNB Chain, global payment providers including Volt and Worldpay, and digital asset exchanges such as Binance. These partnerships allow us to connect global liquidity with local accessibility, making cross-border transfers seamless for everyday users.

If crypto has a “killer app,” it is payments. But for payments to scale globally, the experience must be:

• Fast – transfers that complete in minutes, not days.
  
  
• Frictionless – simple, intuitive, and accessible to all.
  
  
• Familiar – integrated with trusted local payment methods.
  
  
• Financially inclusive – designed for both the banked and the unbanked.
  
  

This is the future Wello is building: a borderless money network that feels as natural as sending a text message.

Wello is already available in 120+ countries, empowering users worldwide to experience faster, cheaper, and simpler money movement.

• Download on the App Store
• Get it on Google Play