THE TEAM
Built by Real People
Years of fieldwork. Thousands of people onboarded. One mission.
George Donnelly
CTO & Founder
πΊπΈ π¨π΄
Easytrend
Community & Co-Founder
π³π¬
Jorge Gallo
COO & Co-Founder
π¨π΄ π¨π¦
YapBay is a peer-to-peer remittances protocol. No bank accounts, no KYC, no custodian. Just fast, cheap transfers to where you need them most.
Protocol fees
Always-on P2P matching
KYC required
Open source license
Sub-$200 remittances face the highest fees, disproportionately hurting the families that need every dollar most.
Global average cost to send $200 (World Bank RPW, Q3 2025). More than double the 3% SDG target.
Average cost to send $200 to Sub-Saharan Africa (World Bank, Q1 2025). The world's most expensive region.
People without official ID, locked out of formal financial systems. Another 2.8B lack digital ID.
P2P Remittances via Stablecoin Rails β chain two P2P trade offers into one fiat-in, fiat-out transaction.
Browse P2P offers from traders in your corridor. Each offer shows the exchange rate and fees.
Send USDC to the smart contract escrow. Your funds are locked by code, not a company.
A second trader delivers local fiat to your recipient. Escrow releases your USDC atomically.
Banking the unbanked β 2 billion people deserve access to global finance.
High fees on small transfers are a tax on the poor. We end that.
No one should be able to block your access to your own money.
When TradFi fails, P2P networks keep flowing.
Every human should be able to participate in the global economy.
Funds held in smart contracts. No middleman can access them.
Protocol-level KYC-free. Your financial activity is your own business.
All code is MIT licensed and publicly auditable. No hidden logic.
No single entity controls the network. Fast, decentralized blockchains process thousands of TPS.
Supported by
Low protocol fees. Pay only gas and the offer creator's spread.
Sequential smart contract escrow. No trust required between parties.
Buy groceries, medicine, essentials for recipients. Home delivery included.
| Feature | Traditional Remittances | YapBay |
|---|---|---|
| Average cost | 6.36% | Near zero |
| KYC required | Yes | No |
| Custody | Middleman controls your funds | Smart contract escrow |
| Access | Business hours only | 24/7 P2P matching |
| Speed | Days | Minutes |
Years of fieldwork. Thousands of people onboarded. One mission.
George Donnelly
CTO & Founder
πΊπΈ π¨π΄
Easytrend
Community & Co-Founder
π³π¬
Jorge Gallo
COO & Co-Founder
π¨π΄ π¨π¦
We're building in public. Join the community, contribute code, or just send money home cheaper than ever before.