Denaro Pay

United States to Vietnam, in minutes

Money home in minutes

Send dollars from the US, your family receives Vietnamese dong in their bank account. One flat fee of 0.75 percent. The real exchange rate, nothing hidden inside it.

Launching first in California. Join the early access list.

Built to operate through licensed US payment partners.

Live transfer

$USD
They receive
5.041.900₫
Fee
$1.50
Rate
mid market, no markup
Arrives
Built to arrive in under an hour

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

Built to arrive in under an hour
Built on licensed US payment partners
Built by people who send money home too

Three steps, no counter, no forms in triplicate

We replaced the cash window with a screen, and the paperwork with a single signature. Once your family is set up, every following transfer is two taps.

  1. 01

    Add your recipient

    Their name and Vietnamese bank account. Once, then never again. We verify the account in the background.

  2. 02

    Send dollars

    Debit card or bank transfer. You see the exact dong amount, the fee in dollars, and the time to arrive before you confirm.

  3. 03

    They get a notification

    Money will land in their account, usually before you finish dinner. They get an SMS in Vietnamese the moment it clears.

Built for the banks your family already uses

Denaro Pay is built to deliver into Vietnam's major banks at launch, into the account that's already on their card.

  • Vietcombank
  • BIDV
  • VietinBank
  • Techcombank
  • MB Bank
  • ACB
  • VPBank
  • Sacombank
  • TPBank
  • Agribank
  • HDBank
  • SHB

The whole price, on one line

No promotional rate that quietly disappears in month two. No FX spread hidden under the friendly label market rate. The price you see is the price your family receives.

ServiceFee on $500Hidden FX markupWhat arrives
Denaro$3.75None12.605.000₫
Typical money transfer chain$24.502 to 3 percent~12.200.000₫
Bank wire$453% plus delays~12.050.000₫

Comparison based on published fees and typical retail exchange rates, June 2026. Demo rate shown, live rates at launch.

On larger transfers, our flat percentage means hundreds of dollars more reach home each year. A family sending $1,000 a month saves roughly $360 over twelve months compared to a typical chain.

What families told us

We are building Denaro around what Vietnamese American families consistently say they need.

I want the receipt and the deposit to finally match.
I want it to land while I'm still on the phone with my dad, not after a drive to a shop in Bellaire.
I want the rate I read about, the fee written down, and a confirmation in Vietnamese for my parents.

Why now

Vietnam is on modern rails. Remittances should be too.

Vietnam's domestic payments have gone fully real time. QR is everywhere. A bowl of phở costs four taps. Yet money sent from the US still arrives via networks designed for an era of paper slips and cash windows.

Denaro Pay is being built to settle over Vietnam's modern domestic rails, paired with licensed US payment partners on the sending side. The result is a transfer that respects what both countries have already built, and costs the family on the receiving end almost nothing.

Denaro is being built by a founder who knows this corridor personally, with partners on both sides of the Pacific.

Compliance, plainly

The fine print, in plain sentences

Three things we get asked the most: who is allowed to move the money, who holds it along the way, and what happens to the data you give us. Here is the long answer.

Sending side
Transfers will be originated through a licensed US money transmitter registered with FinCEN and supervised by state regulators in each launch state.
Receiving side
Payouts will be settled directly to Vietnamese banks through partners holding the required local payment licenses.
Custody
Customer funds will be held at regulated US financial institutions during the brief period between debit and payout.
Limits
The planned standard daily limit at launch is $2,999 per transfer, with higher limits available after additional verification.
Disputes
Errors will be investigated and resolved under the federal Remittance Transfer Rule, which gives you 180 days to report a problem.

Licensing

Denaro Pay will operate through licensed US payment partners who hold the required money transmission coverage. We publish partner and coverage details here the day service goes live in each state.

Who touches your money, and when

A transfer is a relay. Four parties hand it forward in seconds. Each one is regulated for exactly the job they do, and no one holds your money longer than they need to.

  1. Sending partner

    01

    Licensed US money transmitter

    Originates the transfer under their state licenses. Performs the Bank Secrecy Act work the law requires on the sending side.

  2. Payment processor

    02

    PCI DSS Level 1 US acquirer

    Pulls funds from your debit card or bank account. Never sees the recipient's details and never holds the funds.

  3. Custodian

    03

    Regulated US financial institutions

    Holds customer funds during the brief minutes between debit and payout. Funds are segregated from operating cash.

  4. Receiving partner

    04

    Licensed Vietnamese settlement partner.

    Will settle into the recipient's bank account over the Napas 247 real time rail and send the Vietnamese SMS confirmation.

Partner identities will be listed in your in app receipt for every transfer, and republished in full at launch.

Data handling, in five plain sentences

We collect what we need to move money safely, keep it for as long as the rules require, and share it only with the partners above.

01
What we collect
Identity (name, date of birth, address, ID image), contact (email, phone), transfer detail (amount, recipient bank account, timestamp), device signals (IP, device model), and the messages you send to support.
02
Why we collect it
To verify who you are as the law requires, to actually move the money, to detect fraud, and to help you when something goes wrong. Nothing is collected for marketing.
03
How long we keep it
Identity and transfer records for five years after your account closes, as the Bank Secrecy Act requires. Device signals for thirteen months. Support messages for three years. Contact details until you ask us to delete them.
04
Who we share it with
Only the four partners listed above, and only the fields they need. We do not sell data. We do not share with advertisers. We do not use your transfer history for anything unrelated to providing the service.
05
Your rights
Request a copy of your data, correct it, or ask for deletion after the retention window above. California residents have additional CCPA rights. Email privacy@denaropay.com from the address on your account; we respond within thirty days.

Full disclosures publish here before the first transfer is sent.

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.