Dubai
Pay every bill at home, from anywhere.
Pay electricity, school fees, hospital bills, the phone and the rent. Each bill is paid in full, straight to the biller, and you both get a receipt.
35,000+billers in 180 countries
Founding Families10,000 numbered places
Pay family bills,send money.
MuffinPay lets you send money and pay your family’s bills across borders, using stablecoins, straight to the biller, with proof. For example, from Dubai you can pay Mum’s electricity bill in Kochi. From London, Riya’s school fees in Pune. From New York, Ammu’s hospital bill in Kolkata. From Toronto, Papa’s phone bill in Ludhiana.
MuffinPay is a cross-border payments app built on stablecoins. It lets people living abroad pay their family’s bills directly to the biller, send money to bank accounts in local currency and spend with the MuffinPay card.
- 35,000+billers worldwide
- 180countries
- 24/7from launch
- 10,000Founding places
How MuffinPay works
A bill is never just a bill.
Wherever you live, MuffinPay will pay their electricity, school fees, hospital bills and rent in India. The money goes straight to the biller, and you get proof that it is paid.
HomeSunday lunch
BabaPunePaid · Sun 10:05 am
HealthEvery evening
Mummy and PapaAhmedabad₹24,500.00
EducationExam season
MaaLucknow₹12,000.00
ConnectionEvery call
SimranLudhianaPaid · 8:15 pm
Why bills? A family cannot skip or delay a bill. That is why we start with bills.
These stories are examples.
Why MuffinPay
Mum gets every rupee you send.
Founding Families will pay no transfer fee and get the rate Google shows, with nothing added, on any amount, any day.
What reaches Mum, at a glance.
What Mum gets from each way of sending. Up to ₹9,495 of $1,000 never gets to her.
Sending from
$USD
- Rate
- 1 USD = ₹94.95
- Transfer fee
- $0.00
- Added to the rate
- 0.00%
Mum gets₹94,946Paid into her bank account
The same $1,000, sent another wayMum gets
Wise and Revolut: published prices, checked 11 November 2026. Western Union and banks: typical published prices, checked 25 October 2026. These are ranges, not quotes, because prices change with the amount, the day and how you pay. Rates use the mid-market rate for that day. Names and logos belong to their owners and are shown only to identify them. MuffinPay is not affiliated with them.
Life Payments
Pay bills, send money and spend, in one app.
Pay their bills, send them money and spend with one card, all from one app. Wherever you live, the people you love are looked after.
Straight to their bank account.
Founding Families pay no fee and get the rate you see on Google, with nothing added, straight into the family’s bank account.
Made for the way your family lives
Small things that make paying from far away easy.
PapaKochiHealth cover
AmmuThrissurPharmacyMobile
RiyaPuneSchool feesYour people, in one place
Add Mum and Dad, your partner or your closest friends once, with their billers. Next month, you pay with one tap.
Reminded before it’s due
We remind you before every due date, so the electricity board never calls home first.
The rate Google shows · 24 Oct 2026
1 USD =₹94.95
Added to the rate 0.00%Transfer fee $0
The Google rate, always
The rate you see on Google (the mid-market rate), with nothing added. You see exactly what arrives before you confirm.
ReceiptElectricity · KochiRef 004821
Amount paid₹2,230.00
Paid fromDubai
in full
Electricity bill paid Thank you, beta. Received. Mum · 7:12 AM
A receipt, and a thank-you
Every payment brings a receipt to you and a message home, so everyone knows it’s done.
6on-time bills in a row
A thank-you noteA surprise gift, sentRewarded for caring
Pay on time and you get something back. We will show you what it is at launch.
•••• 4821
Bank card
Local moneylands at homePay the way you like
From your bank card, or from the USDC and USDT you already hold, where available. Home always gets local money.
The MuffinPay card
One card for here and home.
Spend at shops, online and abroad, from your local money or your own digital dollars. We will show its design at launch. Founding Families see it first.
About the card
Peace of mind
Paying for home from far away? Know it’s done right.
You keep your own keys, so only you can move your money. Licensed partners move each payment. We never sell your details.
Your keys, your money
Your coins stay in a wallet only you hold the keys to. Nothing moves until you say so. Not even we can touch it.
How self-custody worksMoved by licensed partners
In each country where we open, licensed payment partners move your money to Mum’s account.
Our partnersYour details stay yours
We use your details to run your payments and keep you safe. We never sell them.
PrivacyWe never ask for your codes
We will never ask for your password, a one-time code or your recovery phrase. Joining is free.
Staying safe
Founding Families
The first 10,000 families get in first.
The first 10,000 families on the waitlist will pay no transfer fee and get the Google rate, for life. They get in first when MuffinPay opens in their country, and each place is numbered and stays theirs.
- 1,000The first 1,000 also get the sealed founding gift, shown at launch.
- +100Every friend you invite moves you 100 places up the line.
- No. 0001Your place number is yours alone and never passes to anyone else.
It takes 30 seconds and needs no payment details. You must be 18 or over. India opens first, then more countries. Read the conditions.