Move countries not banks
From your balance to anywhere
Send money instantly across supported currencies.
- Real-time transfers
- No hidden delays
- Built for cross-border movement, not domestic limits
Transfers
Instant Transfers
Move money across countries in seconds. No delays. No unnecessary steps.
Transfer money, wherever it needs to go
One flow. No friction.
- Send money across 60+ countries and currencies
- Request money from friends or contacts
- Withdraw directly to your bank account
Simple. Global. Yours.
Request money, simply
Get paid without chasing
Request money in a few taps.
- Send a request link or prompt
- Works across borders
- No need for shared banking systems
Withdraw when you need it
Back to your bank, instantly
Move money out to your local bank account whenever you need.
- Fast withdrawals
- No lock-ins
- Works alongside your existing setup
Built for how money actually moves
| Liminal | Traditional banks | |
|---|---|---|
| Speed | Instant | Hours to days |
| Cross-border | Built-in | Often limited / complex |
| Fees | Transparent and low (from 0.15%) | Hidden spreads + high fees |
| Setup | App-based, simple | Bank-dependent |
| User experience | One flow | Multiple steps |
Not just payments. Movement.
Liminal is built differently. Money moves directly, across currencies and borders, without unnecessary layers. This is what post-bank finance looks like in practice.
FAQ
Everything you
need to know.
Transfers settle in seconds in most cases, not the 1-3 business days typical of a SWIFT wire or the "instant" transfers that traditional banks still route through slower correspondent banking rails behind the scenes. Money moves across currencies and borders using stablecoin settlement, which clears independently of banking hours, weekends, or public holidays. That means a transfer sent at midnight on a Sunday settles just as fast as one sent at 10am on a Tuesday, which is not true of most traditional international transfer services.
You can hold and manage six currencies natively in-app: USD, EUR, GBP, BRL, MXN, and COP, without needing separate accounts for each. Beyond holding, you can send money to 60+ countries worldwide, withdrawing to a local bank account in the recipient's own currency rather than forcing them to deal with a foreign-currency deposit. That combination, native multi-currency holding plus broad payout reach, is what lets you both receive in your own currency and pay someone else in theirs from the same wallet.
Yes, but they are fully transparent and published in the app before you send anything, rather than hidden in a worse exchange rate the way many traditional providers operate. Transfer fees start at 0.15% on US, UK, and EU routes and vary by corridor depending on the payment rails involved on the receiving end. There are no hidden spreads layered on top of the advertised rate, and no separate fee for currency conversion when a transfer requires one; that is priced in upfront as part of the quoted total.
Yes. You can request money in just a few taps, whether from someone locally or across a border, and the request carries the currency and amount you specify rather than leaving the payer to work out the conversion themselves. This works the same way for a friend splitting a bill as it does for requesting an international payment, so you do not need a separate invoicing tool or a different app depending on where the other person is based. Once they pay, the funds land in your balance the same way an incoming transfer would.
Yes. You can withdraw funds directly to a linked bank account whenever you need to, converting out of your Liminal balance and into traditional banking rails on the way out. Withdrawals are designed to be fast and flexible rather than requiring advance notice or a minimum processing window, and you can choose which currency to withdraw in if your bank account and your Liminal balance are not in the same one. That flexibility matters if you are earning or holding money in a currency your local bank does not offer.