Flutterwave has extended its Send App remittance service to cover 49 U.S. states, a move aimed at enhancing financial connectivity between African diaspora communities and their countries of origin. The expansion was enabled through a strategic partnership with a licensed U.S. banking institution, providing the regulatory framework needed to support compliant money transfers across borders. This development reinforces the company’s focus on building accessible digital infrastructure for individuals seeking to support families in Africa with timely and cost-effective transactions.
The Send App allows users to transfer money via mobile and web platforms while offering competitive exchange rates and full compliance with financial regulations. Flutterwave’s customer experience team has built localized support tools to address the needs of African migrants, including multi-language assistance and 24/7 availability. The remittance flows managed through the platform contribute significantly to household economies across regions such as Nigeria, Ghana, and Kenya, where diaspora funds often play a critical role in healthcare, education, and housing.
Users can complete transfers in a few minutes, with recipients able to collect funds through bank deposits, mobile wallets, or cash pickup locations, depending on the country. The speed and versatility of these delivery options differentiate Flutterwave’s offering from traditional remittance providers. This functionality becomes especially important in rural or underbanked areas, where recipients rely on mobile-first financial services due to limited access to brick-and-mortar institutions.
The expansion in the U.S. also reflects broader strategic goals to consolidate remittance flows under a single, secure, and transparent platform. Flutterwave’s internal systems use encryption and transaction monitoring to prevent fraud and comply with both local and international anti-money laundering regulations. The security framework in place is regularly updated in consultation with global compliance experts to reflect changing threats and requirements across jurisdictions.
Beyond individual transfers, the platform has also attracted small business users. African entrepreneurs in the U.S. often face challenges sending business payments to suppliers or partners in African markets. Flutterwave’s Send App allows for predictable processing times and reduced currency conversion losses, which are common hurdles in informal remittance channels. These improvements can contribute to stronger bilateral trade relationships and encourage formal economic participation among diaspora-owned businesses.
This operational reach is supported by a modular architecture that allows the company to onboard new geographies as regulatory approvals are obtained. Flutterwave’s licensing strategy involves ongoing engagement with financial regulators and banking partners in every country where it operates. In the U.S., the company is continuing to work toward full nationwide coverage, with the goal of extending the Send App to the remaining state in the near future.
As remittance behaviors evolve with the availability of digital tools, the company is focused on continuously improving user experience through automation and personalized insights. Flutterwave has begun piloting AI-based recommendations that help users time their transfers for optimal exchange rates. These enhancements are part of a broader vision to create intelligent, responsive financial tools for diaspora populations navigating complex global environments.