What is UniFi?
UniFi is building the global financial operating system for families. This is important because the traditional banking system was not designed for the fast-paced global economy that we live in.
Today, families who live in multiple countries find it difficult, slow, and expensive to share money across borders. Sending a remittance feels like throwing a bag of cash over a fence, waiting, and hoping for the best (all while paying excessive fees for the privilege).
We envision a world where anyone in the world can use a currency they trust, and can move that currency instantly, anywhere, at low cost.
This is the perfect moment for this to happen.
Built for the interoperable future of money
Behind the scenes, UniFi’s interoperable infrastructure layer connects the world’s payment systems: bank networks, card networks, mobile wallets, fiat currencies, and stablecoins.
The astonishing complexity of the world’s patchwork of financial systems suddenly becomes invisible with UniFi.
Our infrastructure makes money move faster, more affordably, and across borders. Today, that includes leveraging technologies like stablecoins to reduce cost and settlement time. But UniFi’s unique approach goes beyond any single system or technology: it’s built to integrate any system or asset families use to manage money across countries.
UniFi hides the complexity and shows you only what matters: a modern financial account that just works. Whether you’re getting paid, sending money to loved ones, or growing your savings.
What you can do with UniFi
UniFi gives you all the tools of modern financial accounts, plus the freedom of interoperable global money movement:
- Borderless accounts: Hold U.S. dollars from anywhere with a U.S. account and routing number.
- Shared accounts: Co-manage accounts with family members or trusted contacts, even if they live in a different country.
- Remittances: Send money to loved ones abroad, with no fees and great exchange rates.
- Foreign exchange: Send PHP, MXN, or EUR directly to local bank accounts or wallets. More currencies and countries are coming soon.
- Inbound local deposits: Receive EUR via SEPA using your own virtual IBAN, or MXN via SPEI to a local CLABE account number.
- Virtual debit cards: Spend your balance from anywhere. Works with Apple Pay and Google Pay.
- Rewards: Earn 3% APY on your balance. No gimmicks.
- USDC wallet & ACH details: Receive money via crypto or traditional rails.
How it works (so you don’t have to think about it)
UniFi connects the world’s payment systems—stablecoins, bank networks, card networks, and wallets—into one seamless experience, allowing you to move money freely between currencies, countries, accounts, and wallets. No friction. No complexity.
Who UniFi is for
UniFi is the financial operating system for global families, remote workers, and borderless businesses. It’s great for:
- Diaspora families (like Filipino-Americans) sending money to relatives
- People in emerging markets who want to hold U.S. dollars safely
- Remote workers earning in USD and spending in other currencies
- Anyone tired of the high costs and slow speeds of cross-border payments
A better way to build wealth across borders
UniFi is about more than just one-time transactions across borders. We believe the idea of a remittance as a one-time transfer from one banking system (like the U.S.) to another (like the Philippines) is an outdated concept that only exists because of the shortcomings of the old banking system.
In this next-generation global financial system, families won’t need to feel like they’re smuggling money out of one country and into another. Instead they can use a single platform like UniFi to save, grow, and manage their money together.
This is the real promise of stablecoins and UniFi’s unique approach to interoperable payments: financial freedom and security for you and the people you love.
What’s next?
While you can already do a lot with UniFi, we’re just getting started. In the coming months we’ll be adding support for more currencies, like the ability to send MXN to Mexican bank accounts, or EUR to European bank accounts, with more currencies and corridors to follow.
We’ll also be adding powerful new ways to use UniFi as your primary financial account, including personal finance features that go above and beyond what traditional banks offer.
While you can already do a lot with UniFi, this is just the beginning.
In the coming months, we’ll be adding support for:
- More currencies (MXN, EUR, and more)
- Direct payouts to bank accounts and mobile wallets around the world
- New personal finance tools that go far beyond traditional banks
- UniFi for Businesses
Our goal is simple: to become the world’s primary financial account.
Try UniFi today
Join our waitlist to get your free account.