FairPays stylized monogram F with peer-to-peer exchange arrows in vibrant teal and emerald green, modern fintech icon mark. Design context: - Primary color: #0a2540 - Font: manrope - Mode: light - Roundness: rounded-md . The logo should be visually consistent with these brand tokens.FairPays
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GLOBAL COVERAGE • 2 LIVE CORRIDORS

Supported Countries

FairPays connects verified peers across regulated domestic payment rails with zero bank FX markups.

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Live Corridors Zero Spread
Instant Settlement
🇨🇦

Canada

CAD
FINTRAC Regulated #M21048892
Live & Regulated
Domestic Rail
bolt Interac e-Transfer
Speed & Pair
schedule < 15 mins • CAD ⇄ USD
Daily Limit (Tier 1) $2,500 CAD / day
verified 100% Wallet Protected
🇺🇸

United States

USD
FinCEN Regulated #310002488912
Live & Regulated
Domestic Rail
bolt Zelle® / ACH Express
Speed & Pair
schedule < 15 mins • USD ⇄ CAD
Daily Limit (Tier 1) $2,500 USD / day
verified 100% Wallet Protected
🇬🇧
United Kingdom GBP
Faster Payments Service (FPS)
Coming Q3 2026
🇪🇺
European Union EUR
SEPA Instant Euro Rail
Coming Q3 2026
🇲🇽
Mexico MXN
SPEI Bank Transfer
Coming Q4 2026
🇮🇳
India INR
UPI / IMPS Network
Coming Q4 2026
🇦🇺
Australia AUD
PayID / NPP Instant
Coming 2027
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Limits & Verification

Transparent
Tier 1 check_circle
$2,500 / day

Identity Verified (Gov ID & Selfie)

Tier 2 lock_open
$10,000 / day

Residential Address Verified

info Peer settlements execute via your registered Canadian & US accounts directly.
Expansion Voting

Need a different currency?

Tell us which country pair you need. We prioritize our compliance roadmap based on active member votes.

corporate_fare

Registered Financial Entity

Canada FINTRAC Registration Registration: #M21048892 Foreign Exchange Dealer
United States FinCEN Regulated Registration: #310002488912 Money Transmitter Regulations
Priority Corridor Support
call +1 289 588 7456 mail [email protected]
Terms of Service Privacy Policy Data Safeguards About FairPays
FairPays stylized monogram F with peer-to-peer exchange arrows in vibrant teal and emerald green, modern fintech icon mark. Design context: - Primary color: #0a2540 - Font: manrope - Mode: light - Roundness: rounded-md . The logo should be visually consistent with these brand tokens.FairPays
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Global Coverage & Regulatory Reach • Live Corridors

Supported Countries & Domestic Payment Rails

FairPays operates as a dual-registered Money Services Business (FINTRAC #M21048892 & FinCEN #310002488912), providing zero-markup peer-to-peer foreign exchange settled instantaneously via native domestic clearing networks.

Active Corridor Pair
CAD ⇄ USD Live
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Wallet Multi-Sig Protection
100% Pre-Funded
shield
Active Corridors 2 Live Rails CAD & USD Operational
Security Standard 100% Secured Multi-signature Wallet
Settlement Velocity <15 Minutes Direct Domestic P2P
Banking Network Tier-1 Cleared Direct Bank Redirection
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Regulated • Live Settlement

Live Primary Corridors

Operational (Zero Delay)
🇨🇦

Canada

CAD

Canadian Dollar • Domestic Clearing Rail

LIVE & OPERATIONAL
verified_user FINTRAC Registered
#M21048892
bolt Domestic Payment Rail
Interac e-Transfer® Instant settlement (~0.4s)
swap_horiz Currency Pair
CAD ⇄ USD (Bilateral)
account_balance_wallet Daily Personal Limit
$2,500 CAD / $10,000 Verified
paid Minimum Trade
$10.00 CAD
security Fund Custody
100% Wallet Protected
Zero Hidden Spread • Spot Rates
CAD Rail Active
🇺🇸

United States

USD

United States Dollar • Domestic Clearing Rail

LIVE & OPERATIONAL
verified_user FinCEN Registered
#310002488912
bolt Domestic Payment Rail
Zelle® / ACH Express Zero intermediary wire latency
swap_horiz Currency Pair
USD ⇄ CAD (Bilateral)
account_balance_wallet Daily Personal Limit
$2,500 USD / $10,000 Verified
paid Minimum Trade
$10.00 USD
security Fund Custody
100% Wallet Protected
Zero Hidden Spread • Spot Rates
USD Rail Active
Global Liquidity Roadmap

Expanding Corridors & Upcoming Rails

Integrating premier domestic clearing networks worldwide to eliminate traditional correspondent banking fees.

Request specific corridor arrow_forward
🇬🇧

United Kingdom

GBP • Sterling
Q3 2026

Direct connection via Faster Payments Service (FPS) with 24/7 real-time settlement across UK high street banks.

Domestic Rail: FPS Rail In Integration
🇪🇺

European Union

EUR • Euro
Q3 2026

SEPA Instant Credit Transfer implementation facilitating frictionless pan-European Euro swaps within 10 seconds.

Domestic Rail: SEPA Instant In Integration
🇲🇽

Mexico

MXN • Mexican Peso
Q4 2026

Banxico SPEI protocol gateway ensuring zero wire intermediary cost for North America cross-border remittance.

Domestic Rail: SPEI Interbank Regulatory Review
🇮🇳

India

INR • Indian Rupee
Q4 2026

Integration into Unified Payments Interface (UPI) & IMPS for direct bank account settlement at zero spreads.

Domestic Rail: UPI / IMPS Partner Selection
🇦🇺

Australia

AUD • Australian Dollar
Early 2027

New Payments Platform (NPP) & PayID direct routing for instantaneous domestic clearance across Australian banks.

Domestic Rail: NPP / PayID Roadmap
🇳🇬

West Africa / Nigeria

NGN • Nigerian Naira
Early 2027

Dedicated peer-to-peer diaspora clearing corridors with multi-channel domestic bank verification and instant wallet release.

Domestic Rail: NIP Clearing Roadmap
Architectural Advantage

Why Domestic Clearing Destroys SWIFT Inefficiency

Conventional cross-border wire transfers traverse up to 4 intermediary correspondent banks. Each institution skims an arbitrary foreign exchange markup and imposes wire surcharges.

FairPays bypasses international wires altogether. Users match directly with verified counterparties, executing two rapid local bank transfers through domestic networks: Interac e-Transfer in Canada and Zelle in the US.

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Zero Intermediary Deductions

The exact sum matched in the P2P order is the exact sum credited to your domestic bank account.

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Bilateral Multi-Signature Wallet

Trade capital is programmatically locked in verified multi-sig settlement wallets prior to fiat dispatch.

Cross-Border Settlement Comparison

Direct Analysis
Parameter Traditional Bank Wire FairPays P2P Rail
Settlement Window 2 – 4 Business Days < 15 Minutes (Instant)
FX Spread Markup 2.50% – 4.25% Hidden 0.00% (Market P2P Match)
Wire Sending Fee $35.00 – $50.00 USD/CAD $0.00 (Native Interac / Zelle)
Intermediary Surcharge $15.00 – $25.00 Deducted $0.00 Zero Intermediaries
Transaction Tracking Opaque SWIFT GPI Live Real-Time P2P Ledger
info

Based on benchmark retail rates from major North American Tier-1 institutions for cross-border CAD/USD currency conversions as of Q1 2025.

Compliance & KYC Framework

Account Verification Tiers & Limits

To maintain strict compliance with FINTRAC and FinCEN anti-money laundering regulations, trading capacities scale with verified identity depth.

TIER 1 Standard Personal
$2,500 / day (CAD or USD)

Verification Checklist

  • check_circle Verified Mobile Phone (OTP)
  • check_circle Primary Email Verification
  • check_circle Government Issued Photo ID
  • check_circle Domestic Interac or Zelle Handle
Approval Velocity Instant (Under 3 Minutes)
Most Popular
TIER 2 Enhanced Verified
$10,000 / day (CAD or USD)

Verification Checklist

  • check_circle All Tier 1 Requirements
  • check_circle Proof of Residential Address (<90 days)
  • check_circle Biometric Liveness Verification
  • check_circle Enhanced Sanctions & PEP Screening
Approval Velocity 1 – 2 Business Hours
TIER 3 Business & High-Volume
Custom Unlimited / Tailored Liquidity

Verification Checklist

  • check_circle Articles of Corporate Incorporation
  • check_circle Ultimate Beneficial Owner (UBO) Registry
  • check_circle Corporate Banking Verification Letter
  • check_circle Dedicated Institutional Account Officer
Approval Velocity Dedicated Concierge (Same-Day)
public EXPANSION REQUEST PORTAL

Don't see your country or domestic currency?

Join the liquidity notification waitlist. When regulatory clearance is finalized and native rails are plugged into your jurisdiction, you'll be the first to receive priority access.

support_agent Regulatory inquiries: [email protected]
phone_iphone North America Desk: +1 289 588 7456