MoneyreachesLagos.
Cross-border transfers built for the senders traditional rails overlook. LATAM, Africa, North America — local currency in, local currency out. Under 4 minutes, 0.8% flat.
You send
They receive
396,800
6,800 NGN more than typical transfer services
Get early accessAvg. transfer
Our flat fee
0.8%
How it works
Three steps.
Zero confusion.
The rails are invisible. The experience is not.
Step 01
Your pesos. Your naira. Your choice.
Open Lazer and enter an amount in your local currency. We show the exact rate and the exact fee — 0.8%, nothing more — before you tap send.
MXN · NGN · COP · GHS · ARS · CAD · USD
Step 02
We handle the invisible part.
Your money converts to a digital dollar on regulated rails and routes across borders — no correspondent banks, no 3-day floats. You see none of this.
Bridge · Yellow Card · regulated MSBs
Step 03
Received. In minutes.
Your recipient gets local currency into their bank account or mobile money wallet. Under 4 minutes average. No crypto wallet. No exchange risk.
Bank deposit · Mobile money · Wallet
Step 01
Your pesos. Your naira. Your choice.
Open Lazer and enter an amount in your local currency. We show the exact rate and the exact fee — 0.8%, nothing more — before you tap send.
MXN · NGN · COP · GHS · ARS · CAD · USD
Step 02
We handle the invisible part.
Your money converts to a digital dollar on regulated rails and routes across borders — no correspondent banks, no 3-day floats. You see none of this.
Bridge · Yellow Card · regulated MSBs
Step 03
Received. In minutes.
Your recipient gets local currency into their bank account or mobile money wallet. Under 4 minutes average. No crypto wallet. No exchange risk.
Bank deposit · Mobile money · Wallet
Average delivery: under 4 minutes versus 2–5 business days with traditional rails.
Why Lazer
The numbers
speak for themselves.
0.8%
That's the whole fee.
No spread markups in the exchange rate. No receiving fee on the other end. No monthly charge. One number, visible before you confirm.
Traditional transfer services charge 1.5–3%. Traditional bank rails 3–8% plus a flat fee.
< 4 min
Not days. Minutes.
Our stablecoin rails settle in seconds. Your recipient's bank or mobile money wallet gets credited while other apps are still routing through correspondent banks.
Traditional cross-border transfers take 1–5 business days. We settle in minutes.
8+
Currencies. One app.
USD, CAD, MXN, COP, ARS, NGN, GHS — and growing every quarter. Every corridor uses the same infrastructure, so adding new currencies doesn't mean rebuilding the rails.
More coming: GTQ, KES, XOF, ZAR, and beyond.
Payout methods
Bank deposit
Mobile money
Debit card
Cash pickup
Where we operate
The corridors
nobody built.
Until now.
Three continents. One infrastructure. Expanding to 20+ countries in 2026.
Corridor
Region
Speed
Status
MXN
Mexico City
NGN
Lagos
LATAM → Africa
~3 min
USD
New York
NGN
Lagos
North America → Africa
~4 min
CAD
Toronto
GHS
Accra
North America → Africa
~4 min
COP
Bogotá
USD
New York
LATAM → North America
~5 min
ARS
Buenos Aires
USD
New York
LATAM → North America
~5 min
GTQ
Guatemala City
USD
New York
Central America → North America
TBD
NGN
Lagos
CAD
Toronto
Africa → North America
~4 min
KES
Nairobi
USD
New York
Africa → North America
TBD
New corridors opening throughout 2026. Get notified when your country launches.
Pricing
0.8%.
Full stop.
No spread markups hidden in the exchange rate. No flat fees on top. No premium tier required. Every sender, every corridor, the same number.
On a $500 transfer
Save $28
vs. traditional cross-border rails. Over a year of monthly transfers, that's $336 back in someone's pocket.
Average total fee on $500 transfer
Lazer
~0.8%
Typical transfer apps
~2.2%
International remittance services
~3.1%
Traditional bank wires
~6.5%
Fee
Speed
Coverage
Lazer
0.8%
< 4 min
LATAM + Africa + North America
Typical transfer apps
1.5–3%
1–2 days
US / EU focused
Remittance services
2–4%
1–3 days
Limited LATAM
Traditional bank wires
3–8%+
3–5 days
Varies
Category fees are representative averages from public pricing. Exchange rates vary by corridor and date.
3
continents
at launch
8+
currencies
supported
0.8%
flat fee
always
< 4
minutes
target delivery
Our mission
The world's most
connected people
deserve the best
financial tools.
Most cross-border apps were built for senders in the US or UK. That's a narrow lens. Hundreds of millions of people send money across borders every month — from Lagos to Mexico City, from Bogotá to Toronto, from Accra to New York.
Lazer is built for them. Cross-border money movement shouldn't require a Western bank account or a Western address. We're closing that gap, corridor by corridor.
Security & compliance
Serious about
your money.
Licensed rails
Every transfer is processed by licensed money services businesses operating under federal and state money transmission regulations.
256-bit encryption
Your data and money are protected with AES-256 and TLS 1.3 in transit. Card data is never stored.
Real-time fraud screening
Sardine monitors every transaction for anomalies before it clears. Lagging indicators don't cut it here.
KYC on every account
Persona for the Americas, Smile ID for Africa — the same identity stack used by Brex and Plaid.
Sanctions screening
Every USDC transfer is screened against OFAC and international watchlists via Chainalysis, in real time.
Full audit trail
Every transfer logged with timestamp, exact exchange rate, and fee breakdown. Nothing hidden, ever.
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Persona·Smile ID·Sardine·Chainalysis·Bridge·Yellow CardPeople across 6 cities already waiting
Be first
when we
launch.
We're rolling out corridor by corridor. Join the waitlist and we'll notify you the moment Lazer goes live in your country.
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