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Global Remittance Infrastructure
Built for Trust, Transparency, and Speed

AI-assisted, human-governed cross-border payments — operated by a regulated
financial group, designed for diaspora communities and global enterprises.

Send Money Now
Business Customers
You send
USD
They receive
    0.00
    Payment method
    Transfer Fee $2.49
    Settlement Time < 5 minutes
    7-Day Success Rate Mobile Money
    • Regulated Financial Group
    • Funds Safeguarded
    • PCI DSS Level 1
    • ISO 27001 | SOC 2
    • 99.95% Platform Uptime
    • Human-Supervised AI
    Z Remit – FX Card
    United States
    Nigeria
    $1.00
    =
    ₦1,245.30
    FX Source: Bloomberg BFIX Our Markup: 0.35%
    Transfer Fee $2.49
    Settlement Time <5 minutes
    Delivery Method Mobile Money
    7-Day Success Rate 99.97%
    AI Advisory Fastest route selected for this amount. Settlement confidence: Very High

    Why ZoikoRemit

    Enterprise-grade infrastructure. Diaspora-first values.

    Regulatory-Grade Trust

    Operated by Zoiko Financial Group with full AML/CTF compliance, sanctions screening (OFAC, UN, EU, HMT), and human review on flagged transactions. Every transfer backed by a complete audit trail.

    Compliance & Trust Hub

    Corridor Intelligence

    Not generic FX. Built for high-volume diaspora corridors with local payout partners, mobile money and bank rails, cultural understanding, and real settlement performance visibility.

    Corridor Performance Reports

    Transparent Pricing

    All-in pricing shown before payment. FX markup disclosed. Rate lock guarantees. No hidden fees. Refund policy clearly stated. No dark FX spreads or surprise charges.

    Pricing & FX Methodology

    Governed AI

    AI assists, never decides. Provides FX timing insights, fraud pattern detection, and delay prediction. Human-in-the-loop enforcement on every decision. Explicitly safe by design.

    AI Governance Policy

    Choose Your Journey

    Send Money Home

    Fast mobile payouts, transparent FX, track every transfer, save recipients, SMS & email updates.

    • Mobile money & bank transfers
    • Real-time tracking
    • Saved recipients
    Start a Transfer

    Business & Bulk Payments

    Multi-recipient payouts, payroll & supplier payments, compliance- ready reporting, dedicated support.

    • Bulk payment processing
    • Compliance reporting
    • Volume pricing
    Talk to a Specialist

    Developers & Platforms

    White-label remittance APIs, bulk disbursements, sandbox environment, SLA-backed uptime.

    • RESTful API access
    • Sandbox testing
    • 99.95% SLA uptime
    Talk to a Specialist

    Powered by the Zoiko Group Financial Ecosystem

    Integrated infrastructure. Single regulated entity.

    Zoiko Financial Group

    License holder, safeguarding, and governance

    ZoikoPay

    Settlement & wallet infrastructure

    Zoiko AI

    Advisory intelligence (non- decisional)

    Zoiko Communications

    Secure identity & notifications

    • All regulated financial services are provided by Zoiko Financial Group or its authorized partners.

    $350M+

    Processed Monthly

    99.95%

    Platform Uptime

    <5 min

    Avg Settlement
    (Top Corridors)

    <0.5%

    Failed Transactions

    Fully Regulated

    Operations

    Need help? Real humans are available

    • 24/7
      Critical Support
    • Dedicated
      Business Support
    • Transparent
      Complaints Process
    • Ombudsman
      Access
    Get Help
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