About FairPays by P2PHub Inc.

Cross-Border Money Movement, Reimagined for Fairness

FairPay is built by P2PHub Inc. to make cross-border money movement clearer, faster, and more affordable — with security and compliance at the center.

🇺🇸 ⇄ 🇨🇦

USD / CAD Live Corridor

Real-Time P2P Mid-Market

1.3842 CAD

+1.8% vs bank spreads

bolt Instant Settlement

verified_user 100% Wallet Protected

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Who We Are

P2PHub Inc. develops payment technology for people and businesses who need to send and receive money across borders. FairPay is our consumer-facing product: a digital wallet and transfer experience that uses real-time currency exchange bidding so remittances can be completed with competitive rates and domestic-style settlement where corridors are supported.

domain P2PHub Inc.

HQ: Toronto, Canada

speed Domestic-Style Speed

Bypassing legacy correspondent rails via Interac e-Transfer & Zelle integrations.

balance Decentralized Fairness

Direct peer-matched currency bidding replacing heavy bank retail markups.

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What We Offer

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Real-time bidding

Compare and accept live currency exchange bids so you can move capital with full transparency on rate and net cost.

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Secure transfers

Identity verification (KYC), strong multi-factor authentication, and monitoring actively safeguard every balance.

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Wallet-first design

Fund, hold, and transfer balances inside the FairPay Wallet with clear status tracking and downloadable receipts.

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Who We Serve

Immigrants supporting family abroad, students studying in North America, entrepreneurs with overseas operations, and professionals needing a trusted way to exchange value.

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Diaspora Families

Reliable support without predatory retail wire fees.

school

Students

Tuition & rent moved at clean interbank spreads.

storefront

Entrepreneurs

Multi-currency vendor invoices settled quickly.

work

Professionals

Effortless repatriation across US & Canadian accounts.

Primary Domestic Hubs verified

🇨🇦 Canada CAD • Interac e-Transfer

🇺🇸 United States USD • Zelle Rail

View Supported Countries arrow_forward

verified

Our Commitments

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Transparent terms

Zero hidden markups before you confirm your transfer.

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Regulatory compliance

Full adherence with FINTRAC and FinCEN statutory AML/CTF regimes.

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Data respect

Bank-grade encryption, privacy-first storage, and strict least-privilege handling.

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Practical support

Direct human assistance on call when a payment needs immediate resolution.

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Get in Touch

Whether you are a consumer wallet user, liquidity partner, or investor, our team is ready to connect.

contact_mail [email protected] call +1 289 588 7456

location_on Toronto, Ontario, Canada

Send us a message

ABOUT FAIRPAYS BY P2PHUB INC.

Cross-Border Money Movement, Reimagined for Fairness

FairPay is built by P2PHub Inc. to make cross-border money movement clearer, faster, and more affordable — with security and compliance at the center.

Open FairPays Wallet arrow_forward Read Our Architecture

verified FINTRAC Reg. M21048892

shield FinCEN MSB 310002488192

account_balance CDIC Eligible Trust Vaults

swap_horiz

Live P2P Corridor

USD / CAD Market Settlement

Active Book

Optimal Peer Bid Rate 1.3842 CAD

Traditional Wire Spreads (-2.4%) FairPays Spread Advantage (+1.8%)

currency_exchange

Batch Clearance #8941

Toronto Node ⇄ New York Fedwire

Matched

0.4 sec avg

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Custodial Vault Reserve

1:1 Capital Guarantee Tier-1

Verified

Daily Attestation

PARENT ARCHITECTURE

P2PHub Inc.

HQ LOCATION

Toronto, Canada

Company Overview

Who We Are

speed

Domestic-Style Speed

Bypassing legacy multi-day correspondent banking chains with direct local rail clearing.

balance

Decentralized Fairness

Allowing peer-matched currency bidding instead of bank-mandated predatory markup spreads.

Platform Architecture

What We Offer

Engineered from the ground up to replace obscure fees and hidden margins with clarity, control, and institutional integrity.

query_stats

Real-time bidding

Compare and accept currency exchange bids so you can move money with more transparency on rate and cost.

Dynamic Order Book Active

verified_user

Secure transfers

Identity verification, strong authentication, and monitoring help protect accounts and transactions.

check_circle Bank-Grade 2FA & KYC

check_circle Continuous Fraud Anomaly Guard

account_balance_wallet

Wallet-first design

Fund, hold, and transfer balances in the FairPay app with clear status and receipts for each step.

Audited Audit Trail Downloadable PDF

Immutable ledger receipt for domestic & global records

Audience & Global Corridors

Who We Serve

Immigrants supporting family abroad, students studying in North America, entrepreneurs with overseas operations, and others who need a trusted way to move value between home countries and destinations such as the United States and Canada.

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Diaspora Families

Reliable remittances without predatory transfer fees eating savings.

school

International Students

Tuition and living payments transferred at fair market exchange rates.

storefront

Global Entrepreneurs

Direct multi-currency vendor settlement and operational liquidity.

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Cross-Border Professionals

Seamless repatriation between Canada, the US, and abroad.

Expanding Corridors Worldwide

We continue to expand corridors — see our complete list.

Supported Countries chevron_right

public Primary Exchange Hubs

🇨🇦

Canada (CAD)

Interac e-Transfer & EFT Domestic Rail

Instant Ingestion

🇺🇸

United States (USD)

ACH, Fedwire, & Real-Time Rails

Active Hub

🌍

Tier-1 Partner Corridors

South Asia, Latin America & EMEA

Expanding

Guiding Principles

Our Commitment

We operate with strict regulatory accountability, total transparency, and unwavering focus on user welfare.

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Transparent terms

Transparent terms before you confirm a transfer. Zero undisclosed fees, zero trailing FX surcharges.

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Regulatory compliance

Compliance with applicable AML and financial regulations across all jurisdictions of operation.

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Data respect

Respect for your privacy and careful handling of operational data in strict accordance with modern security standards.

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Practical support

Practical support when something needs attention, backed by human specialists and fast response SLA guarantees.

Direct Communication

Get in touch

Whether you are a user, partner, or investor, we would like to hear from you.

mail

Inquiries & Support

Our dedicated team replies within standard operating hours.

[email protected]

call

Telephone Desk

Direct corporate operations and account queries.

+1 289 588 7456

apartment

FairPays by P2PHub Inc.

Toronto, Ontario, Canada • p2phub.io

FairPays operates as a Money Services Business (MSB) in the United States and Canada (FinCEN / FINTRAC). All transactions custodial and verified.

Send us a message

Connect with partnership managers or user support directly.

Resource Navigation: Terms of Service • Privacy Policy • Data Policy • Supported Countries • Delete Account

FINTRAC & FinCEN Compliant