Tuma moves money from M-Pesa to UPI in minutes, not days. 2% fees vs the 8% industry average.
The Tuma difference
with Tuma
2% total fee
with Wise
~6% total fee
with banks
~10% total fee
Based on $100 USD transfer as of January 2026
Enter their UPI ID or bank account. We save it for next time.
Approve the prompt on your phone. Instant confirmation.
Rupees land in their account via UPI. No app needed.
Traditional remittances hop through 5+ intermediaries. We use Stellar's blockchain to move money directly—settling in seconds, not days.
No crypto on either end
You pay KES, they get INR. Stablecoins stay behind the scenes.
Transparent pricing
2% flat fee. Mid-market rate. No hidden markups.
Real-time tracking
Watch your money move. Know exactly when it arrives.
Traditional transfer
Tuma transfer
One fee. No surprises. Ever.
Total fee on every transfer
Minimum
$10
Maximum
$1,000/day
Exchange rate
Mid-market
Join thousands who've switched to faster, cheaper remittances.
Send your first transfer