Universal Money Address (UMA)
It’s like email - but for money.
Send money across borders in seconds
Fast, low-cost, secure online payments to anywhere in the world.
Instant payments directly to your chosen bank account
24/7 access - send and receive money anytime
Open payments from one country to another
Simple - works with your existing bank and is interoperable.
A Better Way to Send Money Home
Instant fiat to fiat transfers
Transfer funds directly from USD in the U.S. to MXN in Mexico, in seconds—no more waiting for days or worrying if the bank is open.
Convenient
You don't need to download a new app; UMAs work with your existing bank.
Simple
UMA is like an email; there’s no need to remember complex banking information or learn about new technology.
Shareable
A streamlined invitation flow makes it easy to encourage friends or family members to get their UMA and send or receive money.
Universal Access
Any U.S. RTP-enabled bank account can send funds to any Mexican RTP-enabled bank account.
Compliant and Secure
UMA meets requirements for money transfers, meaning you can trust that your funds will reach your friends and family.
Send Money Instantly
Sign up for Universal Money Address (UMA) and enjoy the convenience of instant money transfers. Sending money with UMA is fast, easy, cost-effective and works 24/7/365.
Choose your recipient
Enter an amount
Preview the payment
Instantly Received
Have questions?
It's easy to get a UMA from uma.me. You can search by country and then find your preferred bank. If your bank isn't live yet, you can sign up using link.um.me and link any real-time payments enabled bank account.
UMAs are ‘human-readable’ addresses — like email addresses — that you can use to send or receive money. UMAs are offered via wallets, exchanges, and banks. The UMA standard is a messaging standard that enables interoperability between these wallets, exchanges, and banks so that users can use their UMAs to send money to anyone with an UMA-enabled account.
With an UMA-enabled account, you can send funds to anyone else with an UMA in any currency supported by your wallet provider. UMAs are an easy solution for sending and receiving money across borders, simplifying the complicated process of money transfers for people and enabling instant, low-cost payments.
UMA is an addressing and messaging standard that uses the Bitcoin Lightning Network and Lightning Addresses for fast, efficient payments. Wallets, exchanges, and banks use UMA to enable real-time, low-cost payments for their customers. UMA enables interoperable payments between users of UMA-enabled accounts in any supported currency.
People can sign up for their UMA through any preferred wallet, exchange, or bank that supports UMA and Lightning payments. Recipients must set up their UMA and have an account at one of these service providers to send or receive money using their UMA.
Several wallets, exchanges, and banks already allow users to claim their UMAs, and more are coming soon - you can find the first set of providers at UMA.me. If UMAs are not yet available where you live, you can sign up on the site to be notified when a wallet, exchange, or bank in your country goes live.