UMA is now live in the US and Mexico. Send money now ->

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.

Real Time Rate Calculator
You send
USD
They receive
MXN
Estimated fees
Free
Exchange rate
1 USD → 1 MXN
Estimated arrival time
under 3 secs
Send Money Now

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

Add their Universal Money Address. It’s just like an email with no complex account numbers to remember.

Enter an amount

Decide how much you want to send in your preferred currency and see exactly how much they’ll receive in their currency before you hit send.

Preview the payment

Send USD immediately from your UMA-enabled bank US bank account.

Instantly Received

Your payment is converted and deposited into their account instantly and at the best rates.
Claim your UMA and start sending money today

Once you set up your Universal Money Address, you’ll be able to send money in your preferred currency to a friend who will receive the money in their preferred currency directly in their bank account or wallet.

Get Started

Global reach, partners you trust

Get UMA and be part of a new way to send and receive money with transformative payment experiences today.
See UMA partners

Nubank

3 countries

Xapo Bank

42 countries

Bitnob

4 countries

Ripio

5 countries

Coins.ph

2 countries

Foxbit

Brazil

Pouch.ph

Philippines

YouHodler

28 countries

Yellow Card

19 countries

Are you a business looking to integrate UMA? Learn more

Have questions?

From onboarding to inviting friends, we have the answers!
See all FAQs ->

  • 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.

Are you a developer?

UMA developer-friendly documentation is designed to make integration fast and seamless.

Build on UMA

Need help? Contact us at hello@uma.me

Start sending money cross borders.

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