Sylmera turns any phone into a portable bank counter. Send, receive and exchange money in 190+ countries at live rates — just point a QR code.
4.2M+ people already send with Sylmera
Available in 190+ countries, 38 currencies
Sylmera prices every conversion off the live interbank rate, plus one transparent fee shown before you confirm.
Opening an account takes under three minutes. The rate you see is the rate you get.
From opening the app to the receipt landing on both phones — nothing sped up, nothing cut.
Every currency you hold, on one screen.
Rate and fee shown before anything moves.
No app needed on their side for a one-off.
Receipt saved to history, exportable any time.
A QR code carries the destination, the amount and the currency at once — nothing to mistype.
The rate is locked for 30 seconds. If it expires, you are shown the new one instead of a silent execution.
The money is on the other balance before you put your phone away — with a receipt on both sides.
Eight assets, live prices, one tap to buy or convert straight back to cash. No separate exchange account.
Buy at the live price straight from any fiat balance — no transfer between apps, no waiting for a deposit to clear.
Move value from crypto to any of your 38 currencies at the market price, and spend it the same second.
Assets held by a regulated custodian, mostly in cold storage, with quarterly proof-of-reserves published.
Pay by card or QR using a crypto balance as the source. It converts at the moment of payment.
Every transfer is routed to whichever payment rail settles fastest for that corridor. This is what the network is doing while you read this page.
New York
Paris
Lagos
Singapore
São Paulo
Sydney
Whether you're sending to family or taking hundreds of payments a day, Sylmera adapts to how you use it.
A relative abroad, a roommate, a shared bill: generate a QR, show the screen, it's done. No IBAN to copy, no waiting.
Display your QR on a counter, invoice or checkout page. Customers scan, you get paid — no hardware fees.
A crypto wallet sits right next to your fiat balances. Buy at the live price, hold, or convert straight back to cash — no separate exchange account needed.
Join the Sylmera agent network: turn cash into digital balance for customers and earn a commission on every operation.
# Create a transfer by QR curl https://api.sylmera.com/v1/transfers \ -H "Authorization: Bearer sk_live_••••" \ -d amount=25.00 -d currency=EUR \ -d method=qr_code → 200 OK { "id": "tr_9F3K2...", "status": "completed", "settled_in": "1.8s" }
A clear REST API, reliable webhooks and a full sandbox to wire up QR payments in a matter of hours.
To a contact, an IBAN or another country, in seconds.
Funds land on your balance as soon as the sender confirms.
Scan to pay in-store, at a restaurant or online.
38 currencies at the market rate, no hidden commission.
Top up any carrier, for yourself or someone else.
Electricity, water, internet — pay it all from the app.
A card generated on the fly for online purchases.
Share a link, get paid without creating an invoice.
Buy, hold and sell Bitcoin, Ethereum and more.
Buy digital gift cards for hundreds of brands worldwide.
Trade currencies directly with other Sylmera users.
Locate the nearest cash-in / cash-out point on the map.
It's simpler than you'd expect. Follow four straightforward steps.
Generate your receiving QR, or scan a merchant's.
No app required on the receiving end for a one-off payment.
Instant notification, with a receipt saved to your history.
Every transfer is routed to whichever payment rail settles fastest for that country.
Sylmera's agent network and banking partnerships cover major financial hubs as well as areas underserved by traditional banks.
France
Canada
Australia
Brazil
China
Indonesia
Russia
Sweden
+ 182 more
Every transaction is encrypted before it even leaves your device.
Payment processing that meets international banking standards.
Unlock with fingerprint or face recognition on every send.
Detection models flag suspicious patterns in real time.
"I pay suppliers abroad by scanning their QR. What used to take two days by wire now takes two seconds."
"I invoice freelance clients in three different currencies. The rate shown is always the rate I actually get."
"My parents send me money from Brazil without me having to explain an IBAN. They scan, that's it."
"I replaced my card terminal with a simple QR at the till. My fees dropped by two thirds."
Pick a flat monthly plan. No surprise fee per transfer — cancel anytime.
| Feature | Personal | Business | Enterprise & API |
|---|---|---|---|
| Send & receive by QR code | ✓ | ✓ | ✓ |
| Multi-currency exchange | ✓ | ✓ | ✓ |
| Virtual card | ✓ | ✓ | ✓ |
| Buy & sell crypto | ✓ | ✓ | ✓ |
| Payment links & QR checkout | — | ✓ | ✓ |
| Team accounts | — | Up to 10 | Unlimited |
| API access & webhooks | — | — | ✓ |
| Dedicated account manager | — | — | ✓ |
Download Sylmera and send your first transfer in under three minutes.
Scan to download
The payer scans the QR shown by the recipient (in-app or printed). The amount appears, they confirm, and funds are debited then credited within seconds — no bank details exchanged.
Transfers between Sylmera accounts in the same currency are free. Currency exchange and agent cash withdrawals carry transparent fees, shown before you confirm.
Yes, for a one-off payment: a link or QR code is enough to get paid. Managing a balance, exchanging currencies or withdrawing requires a Sylmera account.
Apply from the "Agents" tab, provide your ID and business documents, then complete the short training built into the app. Approval usually takes 48 hours.
Yes — create a test key straight from the developer dashboard, no manual approval needed. Going live requires a quick business identity check.
One account for sending, spending, saving, topping up and even holding crypto — all reachable from a single balance, wherever you are.
Generate a virtual Visa in seconds for any online purchase. Freeze it, set a spending limit, or burn it after one use — no plastic, no waiting for the mail.
Top up your own line or send airtime to family abroad. Pick the carrier, the amount, and it lands in seconds — no vouchers, no scratch cards.
Post an offer or take one from the order book — swap EUR for USD, or fiat for crypto, directly with another Sylmera user at the rate you agree on.
Buy digital gift cards for streaming, shopping, food delivery and more — paid straight from your balance, delivered by email or in-app in seconds.
Electricity, water, internet, insurance — link a provider once and pay in a tap each month. Set reminders so nothing is ever late.
Family remittance built for speed: send to a bank account, mobile wallet, or cash pickup point in 190+ countries, tracked every step of the way.
No account number to copy, no intermediary bank field, no "reference" that the receiving bank quietly truncates. You pick an amount, the other person points a camera, and the money is there.
Rate and fee shown before anything moves.
No app needed on their side for a one-off.
Both phones buzz at the same moment.
A €500 transfer from the Eurozone to West Africa, sent on a Friday evening. Figures are typical market rates, not worst cases.
| Sylmera | High-street bank | Classic transfer agency | |
|---|---|---|---|
| Arrival time | 1.8 seconds | 1–3 working days | A few minutes to 1 day |
| Total cost | €4.50 (0.9%) | €18–€30 | €12–€25 |
| Exchange rate | Interbank mid-market | Marked up 3–5% | Marked up 2–4% |
| Weekend & night | Always on | Next working day | Branch hours |
| Recipient needs | A phone camera | Full IBAN & BIC | ID at a physical counter |
| Cost visible upfront | Yes, to the cent | Often not | Partially |
A QR code replaces the card terminal. Add payment links, a full sales dashboard, and an API when you're ready to go deeper — all under one merchant account.
Show your QR at the counter — a printed table tent works too. Customers scan and pay, funds land in your balance before they've put their phone away.
Upload a spreadsheet or connect your accounting tool — Sylmera batches every payout, retries failures automatically, and gives you one combined receipt.
Revenue, transaction count, and average ticket size update live as sales come in — by location, by till, or across your whole business.
// Listen for payment events app.post('/webhooks/sylmera', (req,res) => { const event = req.body; if (event.type === 'payment.completed') { fulfillOrder(event.data.order_id); } res.sendStatus(200); });
Embed a Sylmera checkout in your website or app, or trigger fulfillment automatically the moment a webhook confirms payment — no polling required.
Open a business account — no setup fees, no long contracts.
Averaged across 12,000 businesses that moved their counter payments to QR checkout.
Type it on any device, or leave your fixed counter QR on display and let the customer enter it. Both work offline and sync when the connection returns.
Their app shows your business name and the exact amount before they confirm — which is why disputes on QR payments are rare.
The sale appears on every device on the account within a second, tagged to the staff member who took it, with a stable reference for reconciliation.
Automatic daily payout at 06:00 local, or hold the balance in the currency you'll spend it in. No payout fee on Business or Enterprise.
One code per table. Split bills between diners without your staff doing arithmetic, and tip flows straight to the team pot.
No terminal, no signal dependency, no rental. Your phone is the till, and it works in the rain.
Drop QR checkout into your existing cart, or send a payment link. Settlement confirms before the customer closes the tab.
Attach a payment link to the invoice. Clients pay in their currency, you receive in yours, at the real rate.
Take a deposit at booking and the balance on arrival, with refunds in one tap if the appointment moves.
Twenty devices on one account for a weekend, then back to one. Per-staff totals at the end of each shift.
Become a cash-in / cash-out point for your neighborhood. Convert cash to digital balance for customers, and earn a cut of every single transaction.
A customer hands you cash, you credit their Sylmera balance in the app — or the reverse for a withdrawal. Simple, auditable, instant.
No monthly invoicing, no chasing payments — your commission is calculated and credited to your own balance the moment each transaction settles.
Your location appears on the in-app agent map the second you're approved, so nearby customers can find you for a deposit or withdrawal.
Daily transaction limits, identity verification, and real-time fraud scoring protect both you and your customers on every cash-in or cash-out.
Commission is 1.2% of the value of each cash-in or cash-out operation, settled to your balance the same evening rather than at month end. Move the sliders to see what that looks like for a typical week.
There's no joining fee, no monthly charge, and no minimum float requirement to start — although a larger float lets you serve more customers before you need to rebalance.
Illustrative only, based on a 1.2% commission rate and 30 operating days per month. Actual earnings depend on your market, your float and local commission schedules.
Most agents are live within four working days.
Business details, ID, and the location of your point. No franchise fee and no equipment purchase.
Compliance checks plus a short training module on recognising fraud, handling limits, and what to do when a customer is being coerced.
Load an initial balance — this is your working capital, not a fee. It stays yours and can be withdrawn at any time.
Your point appears in the app's agent finder, with your opening hours and the operations you support. Customers start arriving that day.
A separate support queue with a target answer time under 60 seconds, because a queue in your shop doesn't wait.
Per-operation and daily caps sized to your float, adjusting as your history builds. Protects you as much as the network.
Follow the verification steps and any fraudulent operation is covered by us, not deducted from your commission.
Top up or draw down from a partner bank, another agent, or a scheduled cash collection where available.
Customers find you through the agent map — for many points this becomes the main source of new footfall.
Window stickers, counter cards and a printed QR, sent free when you go live and restocked on request.
No branch visits, no forms, no waiting for banking hours. Here's exactly what happens behind the scenes every time you move money with Sylmera.
Every transfer picks whichever local payment rail settles fastest in the destination country.
Your payment details are encrypted before they ever leave your device.
Local banking partners and agent networks mean funds land the way people actually get paid there.
Every transaction is scored in real time before it's allowed to settle.
For a one-off payment, they don't need one — scanning your QR or opening your payment link is enough. To hold a balance or exchange currencies themselves, they'll need to create a free account.
Between Sylmera accounts, it's near-instant — typically under two seconds. Payouts to a bank account or cash pickup depend on the local rail, usually minutes rather than banking days.
Once the recipient has confirmed receipt it can't be reversed, same as handing over cash. If it hasn't been claimed yet, you can cancel it from your transaction history.
The app always shows the recipient's name and the exact amount before you confirm — nothing is sent until you approve what's on screen.
Open a free account and send your first transfer in under three minutes.
Sylmera prices every conversion off the live interbank rate, plus one transparent fee shown before you confirm. No spread hidden in the exchange rate, ever.
Updated continuously from the interbank market — this is a demo feed for the site, wired to a live FX/crypto data provider in production.
Rates updating liveThe same benchmark rate banks use to trade with each other — not a marked-up "retail" rate.
A single percentage, shown in the app before you send — never buried inside the exchange rate itself.
What you saw is what gets applied — market moves after that don't change your transfer.
EUR
CAD
AUD
BRL
CNY
IDR
RUB
SEK
+ 30 more currencies
Buy, hold and sell major cryptocurrencies at the live price, or convert straight back to cash — no separate exchange account, no extra app.
Prices update continuously from the market. Buy a fraction of a coin or a whole one — there's no minimum beyond a few cents.
Crypto assets are held in insured, regularly audited custody — not on your device, and not on an exchange we don't control.
Yes, for supported assets you can send to any compatible external address, subject to standard network fees.
A spread of around 0.5% is included in the displayed price — there's no separate trading commission on top.
No — your crypto wallet sits inside your existing Sylmera account, right next to your fiat balances.
The part most apps explain in a footnote. Here it is in full.
The overwhelming majority of assets are held offline, with multi-party signing required to move anything.
Commercial insurance covers custody risk, held with a regulated third-party custodian rather than by us.
Client assets are never mixed with company assets and are never lent, staked or rehypothecated.
Quarterly attestation by an independent firm, published in full — not a screenshot of a wallet balance.
A plain warning: digital assets are volatile and are not electronic money. They aren't covered by deposit protection, their value can fall as well as rise, and withdrawals to an external wallet are irreversible once broadcast. Only hold what you can afford to see fall.
Pick the plan that matches how you use Sylmera. Every plan can be cancelled anytime — no long contracts, no setup fees.
| Feature | Personal | Business | Enterprise & API |
|---|---|---|---|
| Send & receive by QR code | ✓ | ✓ | ✓ |
| Multi-currency exchange | ✓ | ✓ | ✓ |
| Virtual card | ✓ | ✓ | ✓ |
| Buy & sell crypto | ✓ | ✓ | ✓ |
| Payment links & QR checkout | — | ✓ | ✓ |
| Team accounts | — | Up to 10 | Unlimited |
| API access & webhooks | — | — | ✓ |
| Dedicated account manager | — | — | ✓ |
Yes, upgrade or downgrade anytime from your account settings — changes apply from your next billing cycle.
No. Every plan is billed monthly with no long-term commitment, and there are no setup or cancellation fees.
Your account drops to the free Personal plan at the end of the billing period — your balance and history stay exactly as they are.
The headline fee is rarely where money is lost — the exchange-rate markup is. This compares a typical bank transfer (a fixed wire fee plus roughly 4.5% hidden in the rate) against Sylmera's single 0.9% conversion fee.
Move the sliders to match how you actually send.
Whatever the sliders say, the number you see in the app before confirming is the number that leaves your balance. That's the whole promise.
Illustrative comparison based on a typical €6 wire fee plus a 4.5% exchange-rate markup, versus Sylmera's all-in 0.9% conversion fee. Your bank's terms may differ.
| Feature | Personal — free | Business — $9/mo | Enterprise — $39/mo |
|---|---|---|---|
| Send & receive by QR | Unlimited | Unlimited | Unlimited |
| Currency conversion fee | 0.9% | 0.7% | From 0.4%, volume-based |
| Crypto spread | 0.5% | 0.4% | Negotiated |
| Team accounts | — | Up to 10 | Unlimited |
| Payment links & QR checkout | — | Unlimited | Unlimited |
| Bulk payouts | — | Up to 500 per batch | Up to 10,000 per batch |
| Sales dashboard & exports | Basic history | Full | Full + API |
| Public API & webhooks | — | Read-only | Full access |
| Payout fee | Free to agents | Free | Free |
| Support | 24/7 chat & email | Priority queue | Named account manager |
| Uptime commitment | Best effort | 99.9% target | 99.95% SLA with credits |
A clear REST API, signed webhooks, and a full sandbox — no waiting on a sales call to start building.
Instantly available from your developer dashboard, no manual approval.
Create a transfer or a QR checkout against the sandbox — fake money, real responses.
Verify your business identity and swap your test key for a live one — same integration, no code changes.
# Create a transfer by QR curl https://api.sylmera.com/v1/transfers \ -H "Authorization: Bearer sk_live_••••" \ -d amount=25.00 -d currency=EUR \ -d method=qr_code → 200 OK { "id": "tr_9F3K2...", "status": "completed", "settled_in": "1.8s" }
// Listen for payment events app.post('/webhooks/sylmera', (req,res) => { const event = req.body; if (event.type === 'payment.completed') { fulfillOrder(event.data.order_id); } res.sendStatus(200); });
Everything you need for payments, payouts and account data — no sprawling API to learn.
Test keys are issued instantly — no sales call, no minimum volume, no contract before you've written a line of code. The sandbox mirrors production including latency, and can be told to fail on demand.
import Sylmera from 'sylmera';
const sylmera = new Sylmera(process.env.SYLMERA_KEY);
// 1. Quote, so the user sees the real number
const quote = await sylmera.rates.lock({
from: 'EUR', to: 'BRL', amount: 25000
});
// 2. Create the transfer against that quote
const transfer = await sylmera.transfers.create({
quote: quote.id, method: 'qr'
}, { idempotencyKey: orderId });
// 3. Show transfer.qr_payload — you're doneimport sylmera
client = sylmera.Client(api_key=os.environ["SYLMERA_KEY"])
quote = client.rates.lock(
from_="EUR", to="BRL", amount=25000
)
transfer = client.transfers.create(
quote=quote.id,
method="qr",
idempotency_key=order_id,
)
print(transfer.qr_payload)curl https://api.sylmera.com/v1/rates/locks \
-H "Authorization: Bearer sk_test_4eC39Hq" \
-d from=EUR -d to=BRL -d amount=25000
curl https://api.sylmera.com/v1/transfers \
-H "Authorization: Bearer sk_test_4eC39Hq" \
-H "Idempotency-Key: order_8814" \
-d quote=qt_3Lm9Rs -d method=qrZero since v1 launched. New fields are additive; behaviour never changes under a pinned version.
Measured at the edge, published live on the status page, with per-region latency broken out.
When a downstream rail degrades, transfers reroute without your code doing anything. You see one status, not forty.
24 hours of retries with backoff, plus manual replay of any delivery from the dashboard.
Specific sandbox amounts trigger holds, bounces, rail outages and expiries — test the unhappy path properly.
Technical questions reach someone who has read the code, usually within the hour on business days.
Sylmera started with a simple frustration: sending money abroad still took days, cost too much, and asked you to copy an eighteen-character IBAN without a single typo. A QR code fixes all three.
In 2021, our founding team was split across three continents and spent an absurd amount of time doing one thing: waiting. Waiting for a wire to clear. Waiting for a branch to open. Waiting for a support agent to confirm that yes, the money had in fact left the account.
The technology to settle a payment in under two seconds already existed. What didn't exist was a way for two ordinary people — one holding a phone in Lagos, one holding a phone in Lisbon — to agree on an amount and finish the transaction without a single form.
So we built the smallest possible interface for a payment: a square you point a camera at. Everything else — compliance, foreign exchange, routing across a dozen payment rails, fraud scoring — happens behind that square, in the time it takes to look up from the screen.
Our one-line thesis: the interface of money should be the same everywhere, even when the infrastructure underneath it isn't.
Hold what you earn, in whatever it was earned in.
No IBAN, no account number, no typos.
Receipt saved, both sides notified.
Interactive product tour — tap the dots to jump between scenes.
From a prototype that only worked between two phones on the same table, to a network settling across 190+ countries.
A weekend prototype: one phone shows a code, the other reads it, a balance moves between two test accounts. It took eleven seconds and broke twice.
Opened the France ↔ Morocco corridor with two banking partners and a small pilot group of 400 users — and started the compliance work every payment company has to do before it can grow.
Cash matters. We started signing local shops as cash-in / cash-out points so that people without a bank account could still receive digital money.
QR checkout, payment links and a documented REST API. Businesses stopped renting card terminals and started printing a square instead.
Eight assets in insured, audited custody — sitting next to fiat balances rather than in a separate app with separate passwords.
190+ countries, 38 currencies, 10,000+ agent points and a median settlement time of 1.8 seconds. Still the same square.
These aren't posters on a wall — they're the tie-breakers we use when two good options disagree.
If a transfer can settle in two seconds, it should. Every form field we add has to justify itself against the seconds it costs a person who is standing at a counter.
Encryption, device binding and fraud scoring ship with the first version of a feature, not in the hardening sprint that never gets scheduled.
Money shouldn't stop at a border or at the edge of bank coverage. If a corridor is hard to serve, that's usually where we're needed most.
One fee, shown before you confirm, in the currency you're sending. Nothing hidden inside the exchange rate — the oldest trick in the industry.
When money is involved, being stuck is frightening. Median first response is under four minutes, from a person, in one of eleven languages.
Innovate on the interface, never on the custody. Client funds sit in segregated, regulated accounts and are reconciled daily.
We're remote-first with regional hubs close to the regulators, banks and agent networks we work with every day. Hover a pin to see the office.
Headquarters, compliance and European banking partnerships.
Agent network operations across West Africa.
APAC licensing, FX liquidity and treasury.
LatAm corridors, Pix integration and merchant growth.
Fifteen years in cross-border payments. Started Sylmera after one wire transfer too many.
Built the settlement engine. Believes a payment API should read like a sentence.
Former regulator. Keeps 190 jurisdictions' worth of rules in one head.
Signed the first hundred agents personally, shop by shop.
We hire slowly and give people a lot of room. If the problem sounds interesting, the door is open.
We're a small, remote-first team working on genuinely hard problems: settlement infrastructure, financial crime, and building a product that has to work equally well on a flagship phone and a five-year-old Android on 3G.
No ping-pong tables. A short list of things that make a real difference to how you work and live.
Not "remote-friendly with a preferred office". Decisions are written down, meetings are recorded, and nobody's career depends on being in a room.
Every employee gets equity from day one, with a ten-year exercise window so leaving doesn't force a decision you can't afford.
Comprehensive medical, dental and mental-health cover wherever you're based, including dependants.
Four core overlap hours, the rest is yours. Ship your work, take the school run, we won't count the keystrokes.
Per year, no approval theatre. Conferences, courses, books, a certification — you decide what makes you better.
The whole company meets in person twice a year. Travel, accommodation and a day off either side are covered.
A €2,000 hardware budget on joining plus a home-office allowance, refreshed every three years.
Plus local public holidays. Managers are measured on whether their team actually takes the leave.
Fully paid, for every parent, regardless of gender or how the child joined the family.
Async by default, written decisions, no 6am stand-ups.
Small squads own a corridor, a rail or a surface end to end.
Everyone merges something to production within five days.
Most of what we do is invisible: reconciling ledgers, negotiating a new banking corridor, shaving 300ms off a settlement path. It is unglamorous and it matters enormously to somebody sending their salary home on a Friday night.
Filter by team, or search for something specific. All roles are remote unless noted.
No role matches that search — try a different term, or send us a general application.
A real person reads it. You get an answer either way within three working days, with a reason if it's a no.
Your story, our story, the honest version of the role. Ask us anything, including about compensation, on this call.
A real problem from our backlog, worked through together. No whiteboard algorithms, no unpaid weekend projects.
Meet two people you'd work with daily plus one from another team. Offer within 48 hours of the last conversation.
Salary is in every job description. We publish the band up front, pay the same band regardless of where you negotiate from, and review compensation annually against the market — not against how loudly someone asked.
Tell us what you'd want to own and why it should exist. We've created four roles this way already.
Everything a journalist needs in one place: the latest announcements, our full media kit, verified company facts and a press desk that answers within four hours on weekdays.
Filter by topic, or search the archive. Every release includes a downloadable PDF and quotable statements.
The milestone was reached across 190+ countries, driven largely by remittance corridors between Western Europe, West Africa and Southeast Asia. Growth over the last twelve months came predominantly from referrals rather than paid acquisition.
Read release
Eight assets are now tradable directly against fiat balances, held with an insured, independently audited custodian. No separate exchange account, no external wallet required for everyday use.
Read release
Cash-in / cash-out coverage now reaches rural districts previously more than 40km from the nearest bank branch. Agents earn commission on every operation, settled instantly rather than monthly.
Read release
The round funds licensing in six new markets and a doubling of the compliance team. Existing investors Meridian Ventures and Verdant Fund participated in full.
Read release
Transfers, payouts, live rates and signed webhooks are now generally available, with SDKs for JavaScript, PHP and Python and a sandbox that simulates every failure mode we've ever seen in production.
Read release
Our second report covers fraud prevention outcomes, law-enforcement request volumes, uptime against target, and the full breakdown of what a transfer fee actually pays for.
Read release
Please use these figures rather than third-party estimates. They're refreshed on the first working day of each month.
| Item | Figure | As of |
|---|---|---|
| Founded | 2021, Paris, France | — |
| Registered users | 4,214,806 | 1 August 2026 |
| Countries served | 190+ | 1 August 2026 |
| Currencies supported | 38 fiat, 8 digital assets | 1 August 2026 |
| Agent network | 10,400+ cash points | 1 August 2026 |
| Employees | 142, across 26 countries | 1 August 2026 |
| Median settlement time | 1.8 seconds | Rolling 90-day average |
| Platform uptime | 99.98% | Trailing 12 months |
| Funding raised | Seed, Series A, Series B | February 2026 |
The interface of money should be the same everywhere, even when the infrastructure underneath it isn't.
— Julien Marchand, Co-founder & CEO
We didn't make transfers faster by cutting checks. We made the checks fast.
— Nicolas Petit, Chief Compliance Officer
Everything you need for accurate coverage, in one download — or grab individual assets below.
SVG, PNG and EPS. Light, dark and monochrome lockups.
Download
iOS and Android, in eleven languages, at press resolution.
Download
Colour, typography, clear space and the things not to do.
Download
High-resolution headshots, with approved captions.
Download
Usage note: the Sylmera wordmark and lime mark may be used in editorial coverage without prior approval. Please don't alter the colours, add effects, or place the mark inside another shape. For commercial or partnership use, contact the press desk first.
Our press desk answers within four hours on weekdays — including fact-checks against unpublished figures.
Real stories from people sending money home, running a shop, or earning as an agent. We publish every review we receive, including the ones that sting.
Median first support reply: 3m 40s · Reviews are never removed at our request — only for abuse or personal data.
I send money to my family every month. What used to take three days now lands before I've put my phone back in my pocket. My mother calls me to confirm before I've left the shop.
Switching our till to a QR code cut card-processing fees by more than half. Setup took an afternoon and we didn't have to rent a single terminal. The daily payout hits the account before we open.
Being an agent gives me steady commission on top of my shop's regular income — paid instantly, not at the end of the month. Some days the agent commission is bigger than the shop takings.
The exchange rate is exactly what's shown before I confirm. No surprise deduction on arrival, no "processing fee" appearing three days later. After years of wire transfers, that alone was worth switching for.
Integrated QR checkout into our marketplace in two days, including the webhook handling. The sandbox actually simulates failures properly, which meant nothing surprised us in production.
Excellent day to day, but my first transfer was held for eleven hours for verification and the in-app explanation was vague. Support fixed it politely and quickly — I'd just have liked to know why upfront.
Four staff, four devices, one till. Refunds take one tap and I can see which employee took which payment. The dashboard replaced a spreadsheet I'd maintained for six years.
The commission structure is genuinely good and settles instantly. My only complaint is that the agent app's offline mode still needs work when the network drops mid-operation — though it has improved since January.
I'm a freelancer invoicing in three currencies. Holding balances instead of converting everything immediately has saved me more than the subscription costs, several times over.
No review matches that search.
Grace, agent since 2024 — Lagos, Nigeria
62 cash-outs, 41 cash-ins, settled the same evening.
Her shop is now the closest cash point for three villages.
Grace runs a general store in a district where the closest bank is a two-hour round trip. Before she became an agent, her customers made that trip to collect money sent by relatives — losing a day's work and a chunk of the transfer to travel.
Today her shop is a cash-in / cash-out point. People arrive with a code on their phone and leave with cash in minutes, and Grace earns a commission on every operation, settled the same evening rather than at month end.
103 operations a day. Commission that now exceeds her retail margin.
Open a free account, make your first transfer, and tell us how it went — good or bad.
Thirty-two answers, grouped by topic and searchable. If yours isn't here, the help center goes deeper and support replies in under four minutes on average.
No answer matches that search — the help center or support can dig deeper.
The help center has step-by-step guides, and support is available 24/7 in eleven languages.
Search 240+ guides, browse by topic, or reach a real person. Median first reply is under four minutes, any hour, in eleven languages.
Opening an account, identity verification, updating your details, password and email changes, closing an account.
28 guides
Tracking a transfer, delayed or failed payments, cancelling, refunds, sending to someone without the app.
41 guides
How rates are calculated, rate locks, holding multiple balances, converting between currencies.
17 guides
Two-factor authentication, freezing your account, recognising scams, reporting a suspicious payment.
23 guides
Virtual card setup, spending limits, declined payments, subscriptions, chargebacks and disputes.
19 guides
Buying and selling, spreads, custody, withdrawing to an external wallet, network fees and confirmations.
16 guides
QR checkout, payment links, team accounts, the sales dashboard, payouts and accounting exports.
34 guides
Becoming an agent, float management, commission rates, cash-in / cash-out limits, the agent app offline mode.
21 guides
API keys, sandbox testing, webhook signatures, idempotency, error codes and rate limits.
45 guides
No topic matches that search — try describing what you were trying to do.
The four issues that account for most of our support volume — with the exact steps that fix them.
No bots pretending to be people, no ticket numbers you have to quote back to us.
Fastest route. Support already sees your account context, so nothing needs re-explaining.
~3m 40s
help@sylmera.com — best for anything that needs documents attached.
under 4h
For urgent security issues and account freezes, 24/7 in eleven languages.
immediate
Prefer face to face? 10,400+ agents can help with cash and basic account issues.
find on map
Security shortcut: if you believe your account is compromised, don't wait for chat — call the emergency line or freeze the account yourself from any device under Security → Freeze account. It blocks all outgoing money in seconds and is fully reversible.
Tell us what happened in your own words. A person reads every message.
Everything you need to integrate transfers, payouts, QR checkout and live rates into your own product. Predictable REST, signed webhooks, and a sandbox that simulates the failures you'd otherwise meet in production.
Every request is authenticated with a bearer token and answered in JSON. Test keys are prefixed sk_test_ and never move real money — the sandbox mirrors production exactly, including latency and failure modes.
https://api.sylmera.com/v1Authorization: Bearer sk_test_…Idempotency-Key header on every write — retries are then always safe.Amounts are always integers in minor units. €12.50 is 1250 with "currency": "EUR". This removes an entire category of rounding bug from your code and ours.
# Create a transfer and get a QR payload back
curl https://api.sylmera.com/v1/transfers \
-H "Authorization: Bearer sk_test_4eC39Hq" \
-H "Idempotency-Key: 8f14e45f-ce" \
-d amount=25000 \
-d currency=EUR \
-d destination_currency=XOF \
-d method=qrimport Sylmera from 'sylmera';
const sylmera = new Sylmera(process.env.SYLMERA_KEY);
const transfer = await sylmera.transfers.create({
amount: 25000, // €250.00
currency: 'EUR',
destination_currency: 'XOF',
method: 'qr'
});
console.log(transfer.qr_payload, transfer.status);import sylmera
client = sylmera.Client(api_key="sk_test_4eC39Hq")
transfer = client.transfers.create(
amount=25000, # €250.00
currency="EUR",
destination_currency="XOF",
method="qr",
)
print(transfer.qr_payload, transfer.status)use Sylmera\Client;
$sylmera = new Client(getenv('SYLMERA_KEY'));
$transfer = $sylmera->transfers->create([
'amount' => 25000, // €250.00
'currency' => 'EUR',
'destination_currency' => 'XOF',
'method' => 'qr',
]);
echo $transfer->qr_payload;{
"id": "tr_9Fk2LmQx7",
"status": "awaiting_scan",
"amount": 25000,
"currency": "EUR",
"destination_amount": 16386250,
"destination_currency": "XOF",
"rate": 655.45,
"fee": 225,
"qr_payload": "syl://p/9Fk2LmQx7",
"expires_at": "2026-08-06T14:32:10Z"
}Search or filter the reference. Every endpoint has runnable examples in all four languages.
No endpoint matches that search.
Every webhook is signed with HMAC-SHA256 and includes a timestamp, so replay attacks are trivially rejected. Failed deliveries retry with exponential backoff for 24 hours, and you can replay any delivery manually from the dashboard.
import crypto from 'crypto';
function verify(rawBody, header, secret){
const [ts, sig] = header.split(',');
const expected = crypto
.createHmac('sha256', secret)
.update(`${ts}.${rawBody}`)
.digest('hex');
// constant-time comparison, always
return crypto.timingSafeEqual(
Buffer.from(sig), Buffer.from(expected)
);
}{
"id": "evt_7Qm3XpR2",
"type": "transfer.completed",
"created": 1786032730,
"data": {
"id": "tr_9Fk2LmQx7",
"status": "completed",
"settled_in_ms": 1743
}
}| Code | HTTP | What it means | What to do |
|---|---|---|---|
| invalid_request | 400 | A parameter is missing or malformed | The message names the field — fix and retry |
| authentication_failed | 401 | Key missing, revoked, or wrong environment | Check you're not sending a test key to live |
| insufficient_balance | 402 | Not enough in the source currency | Convert first, or fund the balance |
| limit_exceeded | 403 | Above the account's transaction limit | Split the amount or request a limit review |
| rate_expired | 409 | The locked rate is no longer valid | Request a fresh quote and confirm again |
| too_many_requests | 429 | Rate limit reached | Back off using the Retry-After header |
| rail_unavailable | 503 | A downstream payment rail is down | Safe to retry — we reroute automatically |
JavaScript/TypeScript, Python and PHP, all typed, all open source, all released the same day as an API change.
Every endpoint, pre-authenticated against your sandbox key, importable in one click.
Trigger a delayed settlement, a rail outage, a fraud hold or a bounced payout on demand, by amount.
Test keys are instant, no sales call, no minimum volume.
Live status for every Sylmera service, with 60 days of history and a full incident record. Nothing here is edited after the fact.
Each bar is one day. Hover for the detail — green is full service, amber is degraded performance, red is an outage.
We route each transfer to whichever rail is fastest at that moment. When one degrades, traffic moves automatically — this table shows what's happening underneath.
| Region | Primary rail | Status | Median settlement |
|---|---|---|---|
| Eurozone | SEPA Instant | Operational | 1.4s |
| United Kingdom | Faster Payments | Operational | 1.6s |
| Brazil | Pix | Operational | 1.2s |
| India | UPI | Operational | 1.9s |
| West Africa | Mobile money aggregator | Degraded — one provider slow | 7.4s |
| United States | FedNow / RTP | Operational | 2.1s |
| Southeast Asia | PromptPay / DuitNow | Operational | 2.3s |
Degraded rails do not block transfers — traffic reroutes automatically, which is why the settlement figure above still resolves.
We publish a post-mortem for every incident lasting more than five minutes, including the ones nobody noticed.
A database failover took longer than planned, pushing p99 latency above 800ms for 34 minutes. No transfers were lost and no funds were affected — requests queued and completed. We've since reduced the failover threshold and added a read-replica warm pool.
A price feed stopped updating for Solana. Trading on that pair was suspended automatically after 90 seconds — as designed — and resumed once a secondary feed took over. No trade executed at a stale price.
A regional mobile-money provider had an outage on their side. Agents could still take cash-in operations; cash-outs to that provider queued and cleared in full once service returned. Affected customers were notified in-app during the incident.
All services operational. This page updates automatically every 30 seconds, whether or not anything is wrong.
Maintenance is announced at least seven days in advance, scheduled in the lowest-traffic window per region, and never runs on a Friday.
Subscribe to status updates by email, SMS, RSS or webhook. Alerts fire the moment a component changes state — not after someone has written a paragraph about it.
Choose the components you care about.
Straight into your reader or chat channel.
Signed POST on every state change.
GET /v1/status — free, unauthenticated.
The agreement between you and Sylmera when you open an account. Written in plain language on purpose — if a clause is unclear, that's our failure, and support will explain it.
By creating a Sylmera account, or by using any part of the service, you agree to these terms and to our Privacy Policy. If you're opening an account for a company, you confirm you're authorised to bind that company.
We may update these terms — see section 12 for how we tell you and what happens if you disagree.
To hold an account you must be at least 18 years old, able to enter a binding contract where you live, and resident in a country where Sylmera operates. You may hold one personal account; businesses hold accounts separately from their owners' personal ones.
We're required to verify your identity before you can send or receive money, and to re-verify it periodically. Accounts that can't complete verification are limited to withdrawing an existing balance.
You're responsible for keeping your credentials, device and biometric access secure, and for everything done through your account. Tell us immediately if you think someone else has access — you can freeze the account yourself from any device.
We will never ask for your password, your one-time codes, or for you to move money to a "safe account". Any message that does is a scam, regardless of what it looks like.
Sylmera lets you hold balances in supported currencies, send and receive money, exchange between currencies, pay by QR code or card, and — where available — buy, hold and sell digital assets. Some features depend on your country, your verification level and applicable law.
Balances held with us are electronic money, not a bank deposit. They don't earn interest and aren't covered by deposit-guarantee schemes; instead, client funds are safeguarded in segregated accounts as described in section 9.
Sylmera may not be used for fraud, money laundering, terrorist financing, sanctions evasion, or any activity illegal where you or the recipient are located. We also prohibit:
All applicable fees are displayed before you confirm any transfer, exchange or subscription. We do not add a margin to the exchange rate: conversions are priced from the live interbank mid-market rate plus the disclosed percentage fee.
Subscription plans are billed monthly in advance and can be cancelled at any time, effective at the end of the current period. Fee changes are announced at least 30 days in advance.
Once you confirm a transfer it's generally irrevocable. Between Sylmera balances, settlement is typically under two seconds; payouts to external accounts follow local payment rails and timings shown in the app before you send.
We may delay or decline a transaction where required by law, where a fraud or sanctions check needs to complete, or where the receiving institution rejects it. Where we can tell you why, we do; sometimes regulation prevents that, and we'll say so explicitly rather than inventing a reason.
Digital assets are volatile and are not electronic money. They aren't covered by deposit protection, and their value can fall as well as rise. Assets are held by a regulated third-party custodian, segregated from Sylmera's own assets.
You're responsible for any tax arising from trading. Withdrawals to external wallets are irreversible once broadcast to the relevant network — check the address twice.
Client funds are held in segregated accounts at regulated partner banks and are never used for our own operations or lending. In the event of our insolvency, safeguarded funds are returned to customers ahead of general creditors under applicable e-money regulation.
We're liable for losses caused by our own failure to provide the service as described. We're not liable for losses arising from your own breach of these terms, from a transfer you authorised to the wrong person, or from events outside our reasonable control. Nothing here limits liability that can't be limited by law.
You may close your account at any time from the app, once balances are withdrawn or converted. We may suspend or close an account where we're required to by law, where we detect fraud or a serious breach of these terms, or where verification cannot be completed.
Where an account is closed, we return remaining funds to you as regulation permits, and retain records for the period financial law requires.
Tell support first — most complaints are resolved the same day. If you're not satisfied, ask for it to be escalated to our complaints team, who will respond substantively within 15 working days. If you're still unhappy, you may refer the matter to the relevant financial ombudsman or regulator in your country; support will give you the correct contact details for where you live.
We'll notify you at least 30 days before material changes to these terms, by email and in the app. Continuing to use Sylmera after they take effect means you accept them; if you don't, you can close your account free of charge before that date.
These terms are governed by French law, without prejudice to mandatory consumer protections in your country of residence. Disputes are subject to the courts of Paris, unless local law gives you the right to sue where you live — in which case it does.
Support answers legal questions in plain language, and can escalate to our compliance team.
What we collect, why we're allowed to, who ever sees it, and how to get it back or delete it. We don't sell data — there is no version of our business model where that happens.
Your data is not sold, rented or shared with advertisers. Ever.
Export everything we hold about you, in machine-readable form, in two taps.
We collect what the service and the regulator require, and nothing else.
Sylmera SAS, registered in Paris, France, is the data controller for personal data processed through the app, the website and the API. Our Data Protection Officer can be reached at privacy@sylmera.com.
We do not collect your contacts, your photo library, or precise GPS location unless you explicitly enable a feature that needs it — finding the nearest agent point, for example.
| Purpose | Legal basis |
|---|---|
| Operating your account and executing transfers | Performance of a contract |
| Identity verification, AML and sanctions screening | Legal obligation |
| Fraud prevention and transaction monitoring | Legal obligation & legitimate interest |
| Customer support | Performance of a contract |
| Product analytics and improvement | Legitimate interest, with opt-out |
| Marketing communications | Consent — withdrawable at any time |
Only parties strictly necessary to run the service or required by law:
We never share your data with advertisers or data brokers, and we don't allow our processors to use it for their own purposes.
Serving 190+ countries means data sometimes crosses borders. Where it leaves the European Economic Area, we rely on adequacy decisions where they exist and on Standard Contractual Clauses plus a transfer impact assessment where they don't. Core account data is stored in the EU by default.
Wherever you live, we apply the same set of rights:
Encryption in transit and at rest, device binding, biometric confirmation for sensitive actions, and least-privilege access internally — every employee access to customer data is logged and reviewed. We run continuous third-party penetration testing and a public bug-bounty programme, and we'll notify you and the regulator within 72 hours of any breach affecting your data.
Two processes are automated: the fraud score applied to each transaction, and the sanctions-screening check. Either can delay or block a payment. You can always ask for a human review, and we'll tell you what we can about the reason — sometimes the law limits what we're permitted to disclose about a screening hit, and we'll say so rather than staying silent.
Sylmera is not for anyone under 18. We don't knowingly collect data from children, and we delete any account discovered to belong to one, returning the balance to the account holder's legal guardian.
Write to privacy@sylmera.com and our DPO will answer within 30 days, usually far sooner. If you're not satisfied, you have the right to complain to your local data protection authority — in France, the CNIL. Complaining to them doesn't affect any other rights you have.
Export, correct or delete everything from inside the app, under Settings → Privacy.
What we store on your device, why, and how to switch off everything that isn't strictly necessary — in one click, from this page.
Changes apply immediately. Nothing on this site breaks if you turn everything optional off.
Keeps you logged in, secures your session, remembers which items you've placed in a form. The site cannot function without these, so they can't be disabled.
Remembers your language, currency display and light/dark choice so you don't set them again on every visit.
Aggregated, IP-truncated measurement of which pages help people and which confuse them. Never used to build an advertising profile.
Measures whether a campaign led to a signup. Off unless you switch it on — we don't run retargeting networks.
The complete list, including the third parties involved and how long each one lives.
| Name | Category | Purpose | Set by | Duration |
|---|---|---|---|---|
| syl_session | Necessary | Keeps you signed in and binds the session to your device | Sylmera | Session |
| syl_csrf | Necessary | Blocks cross-site request forgery on every form | Sylmera | Session |
| syl_device | Necessary | Recognises a trusted device to reduce security prompts | Sylmera | 1 year |
| syl_lang | Preferences | Stores your chosen interface language | Sylmera | 1 year |
| syl_currency | Preferences | Remembers your display currency | Sylmera | 1 year |
| syl_consent | Necessary | Records the choices you made on this page | Sylmera | 6 months |
| syl_analytics_id | Analytics | Anonymous identifier for aggregated usage measurement | Sylmera (self-hosted) | 90 days |
| syl_perf | Analytics | Page-load and error timings, no personal identifiers | Sylmera | 30 days |
| syl_campaign | Marketing | Attributes a signup to the campaign that led to it | Sylmera | 90 days |
No third-party advertising trackers. Our analytics run on our own infrastructure, which is why this table is short and why nothing here follows you to another website.
The privacy policy covers everything else we process, and why.
Financial regulation exists to protect the people using a service like this one — so rather than treat it as paperwork, we've built it into the product itself: verified identity, segregated client funds by design, continuous transaction monitoring, and one rule we hold ourselves to without exception — Sylmera does not move real customer money in a market until it holds the right authorisation there. This page explains our approach and where things stand.
Client funds are architected from day one to sit apart from Sylmera's own operating money — never mixed, never used to fund our operations.
Every transaction is checked against fraud and sanctions rules in under 40ms, before it settles — not reviewed after the fact.
Our rule, without exception: a market goes live only once Sylmera holds the appropriate authorisation to operate there.
Compliance isn't a department here — it's a set of systems that run on the critical path of every payment.
Document verification with liveness detection at onboarding, periodic re-verification, and enhanced due diligence for higher-risk profiles and volumes.
Every transaction is scored in under 40ms against behavioural models and typology rules. Alerts route to trained analysts, not to a queue nobody reads.
Both parties screened against EU, UN, OFAC and UK lists before settlement, with list updates applied within minutes of publication.
Client money is held in segregated accounts at regulated partner banks, reconciled daily, never lent out and never used for our own operations.
PCI-DSS compliant card handling, ISO 27001-aligned controls, continuous penetration testing and a public bug-bounty programme.
As Sylmera scales, independent financial and security audits — plus quarterly proof-of-reserves attestations for crypto held in custody — are a standing commitment, published as each one completes.
The short version: we don't go live somewhere until we're allowed to.
Money transfer is a regulated activity everywhere, and for good reason — it's exactly the kind of service where cutting corners hurts real people. So we hold ourselves to one non-negotiable rule: Sylmera does not process real customer funds in a market until it holds the appropriate authorisation to operate there.
In practice, that means the compliance architecture is built first — verified identity at onboarding, segregated client-fund accounts, real-time transaction screening, sanctions checks — and the regulatory applications follow the same market-by-market discipline. As each authorisation is granted, we'll publish it here in full: the regulator, the permission, the registration number, and the date. No exceptions, and nothing implied before it's real.
If you're a partner, investor or regulator and want the current status for a specific market, our compliance team will give you a straight answer — reach out via the contact link below.
Most financial companies publish the minimum they're obliged to. We publish the numbers we'd want to see as a customer, including the ones that aren't flattering.
Our compliance and press teams answer directly — no form maze.