Better rates for money that has to cross a border.
FairPays is the peer-to-peer marketplace from P2PHub Inc. Post a transfer, collect live bids from licensed money service businesses, and choose the offer that actually wins — clear fees, no hidden spread.
P2PHub Inc
P2PHub Inc builds the infrastructure for tradable, low-value currency exchange. FairPays is our specialized direct-access marketplace. Headquartered in the financial district of Toronto, Ontario.
A true peer-to-peer marketplace for cross-border liquidity
By eliminating the standard bank intermediary spread, buyers and sellers transact on institutional terms with zero hidden currency decay.
Real-time bidding
Compare multiple licensed MSB offers on a single transfer posting. Bidders compete in an open auction so you capture genuine wholesale market pricing instead of arbitrary bank retail spreads.
Transparent pricing
Every rate, network fee, and exact recipient payout amount is computed and locked prior to acceptance. No unexpected wire deductions or foreign correspondent fees at destination.
Secure settlement
Funds remain safely protected in segregated custodial wallets until both parties confirm fulfillment. Backed by institutional-grade KYC, device-bound OTP, and immutable transaction logs.
How it works
Three verified steps from initial posting to final bank settlement.
Register & enter details
Complete a swift, 2-minute identity verification. Specify your currency parameters (USD/CAD), transfer volume, and desired disbursement rail.
Collect live bids
Your transfer enters the private institutional orderbook. Accredited MSBs and liquidity providers bid in dynamic competition for your volume.
Choose & settle securely
Pick the winning quote based on net payout and settlement speed. Transact safely through our insured custodial settlement infrastructure.
Built for North American cross-border realities
Traditional cross-border routes extract heavy margins on small and mid-sized transfers. We rebuild them for equity.
Immigrants sending money home
Support family across borders with maximal value retention. Eliminate retail desk cuts of 4–6% so your relatives receive the full purchasing power intended.
International students in US & Canada
Pay tuition, off-campus housing, and recurring living expenses without forfeiting thousands per semester to arbitrary bank foreign transaction fees.
Cross-border entrepreneurs & factory operators
Move commercial inventory and settle vendor supplier balances between Canadian and US entities with commercial-grade spot bid rates.
Everyday users demanding fairness
Anyone demanding a reliable, high-yield alternative to rigid brick-and-mortar branch counters and opaque consumer remittance apps.
Traditional Bank & Retail vs. FairPays
See why direct liquidity competition produces unmatched efficiency.
| Evaluation Metric | Traditional Banks & Retail Counters | FairPays P2P Marketplace |
|---|---|---|
| Rate discovery | Fixed, unilateral retail board rate with 2.5%–4.0% hidden exchange markup. |
check_circle
Competitive live auction with multiple MSB bidders competing in real time.
|
| Fee clarity | Hidden intermediary wire fees, unexpected correspondent and receiving costs. |
check_circle
Guaranteed flat upfront fee clearly disclosed before accepting any bid.
|
| Speed of choice | Take it or leave it; single rigid quote with slow settlement terms. |
check_circle
Compare multiple simultaneous bids with counterparty credibility scores.
|
| Transparency & control | Opaque routing through layered correspondent banking chains. |
check_circle
End-to-end custodial visibility, OTP authorization, and encrypted tracking.
|
Our Mission
Make low-value cross-border currency transactions tradable, hassle-free, and win-win for both everyday senders and liquidity providers across North America.
Our Vision
Empower global financial autonomy by building institutional rails that make peer-to-peer foreign exchange completely liquid, transparent, and provably secure.
FairPays is an enterprise consumer product engineered by P2PHub Inc · Toronto, ON · Official infrastructure: p2phub.io
Building the institutional marketplace for everyday FX
P2PHub Inc is authorized to issue Class A and Class B shares to institutional partners, chartered banking entities, and strategic investors who want to scale licensed peer-to-peer remittance across North America.
Inquiries restricted to accredited institutions and strategic partners. No speculative solicitation or public offering.