Send
Dollars to dong in minutes. One flat fee, the real rate, done before dinner.
One wallet for money that crosses borders
Denaro Pay is building the wallet for families and businesses that live in more than one country. Send, hold, and spend across borders, starting with the corridor that needs it most.
Built to operate through licensed US payment partners.
One flat fee of 0.75 percent, the mid market rate, nothing inside it
Licensed US partners will move and hold every dollar
Cancel within 30 minutes, 180 days to report an error, by federal rule
What both sides see
Product preview
VietnamFirst corridor, opening 2026BruneiComing soonBurma (Myanmar)Coming soonCambodiaComing soonTimor-LesteComing soonIndonesiaComing soonLaosComing soonMalaysiaComing soonPhilippinesComing soonSingaporeComing soonThailandComing soon
Coming soon across Southeast Asia
Money still stops at borders
Slow
A transfer between two countries with instant domestic payments can still take days, because it travels through banks that only talk to each other in batches.
Expensive
Fees plus a hidden exchange rate markup quietly take 3 to 6 percent. On money sent to family, that is groceries, tuition, medicine.
Opaque
The amount promised and the amount received rarely match, and nobody can tell you where the difference went.
Three steps, wherever the money is going
- 01
Add your recipient once. Their name and their bank account, verified in the background.
- 02
Send. You see the exact amount they will receive, the fee, and the arrival time before you confirm.
- 03
Done. Money lands in their account, and both of you get a notification, theirs in their own language.
How we decided to build this
- 01
One price, written down. A flat percentage and the real exchange rate. The markup hiding inside FX rates is the industry's oldest trick, we refuse it.
- 02
One corridor at a time. Every country gets licensed partners, real rails, and a team that understands it, or it does not open.
- 03
Boring where it matters. Licensed partners will move and hold the money. We never lend customer funds, and we never will.
- 04
Built in two languages. Both sides of a transfer deserve to understand it. Confirmations arrive in the recipient's language, not just the sender's.
One wallet, two countries
Sending is just the beginning. Denaro Pay is becoming the wallet your family shares across the Pacific.
Hold and spend
Keep a balance in your wallet and spend it anywhere Visa is accepted. Your money, ready when you are.
Family wallet
Your family in Vietnam holds and spends from the same wallet. Sending becomes instant and nearly free, because the money never has to leave.
First corridor
Starting where it matters most: Vietnam
More than sixteen billion dollars travels from the US to Vietnam each year, most of it through services built decades ago. Vietnamese banking went real time, the diaspora went digital, and the corridor is still waiting for a product worthy of both. Denaro Pay launches here first, in California, where the largest Vietnamese community outside Vietnam lives.
The numbers behind the calm
The corridor is enormous, the rails are old, and the fix is overdue.
- $0B+
- Sent from the US to Vietnam each year
- 0%
- Flat fee, no hidden markup on the rate
- 0 hr
- Our settlement target, send to received
One corridor first, then the world
A wallet that crosses borders is the goal. One corridor done properly is the only way to get there. The US to Vietnam corridor moves more than sixteen billion dollars a year on rails designed for paper. That is where Denaro Pay starts.
Each next corridor opens only when a licensed sending partner, a licensed receiving partner, and a real time domestic rail line up on the other side. We are not in a hurry to put a flag on a map we cannot stand behind.
Built for the Sunday phone call
Every week, millions of calls between the US and Vietnam end the same way: con sẽ gửi tiền về. We are building Denaro Pay so that promise costs less to keep. More of your work arrives home, and it arrives today. And soon, one wallet both sides of the family can live in.
Boring where it matters
- 01
Identity verified once, to the same standard your bank uses.
- 02
Customer funds will be held at regulated US financial institutions during the brief period between debit and payout.
- 03
Every transfer trackable from sent to received, with a receipt your family can show at their bank.
Questions, plainly answered
Be first across the bridge
Early access members get the card waitlist first.
We use your email only to tell you when Denaro opens in your area. No marketing, no resale.