Pre-Fund Your Wallet
Optional: Add funds now for instant transactions later
You Don't Need to Pre-Fund
Pre-funding is optional! When you send money, you can pay directly with your debit/credit card, bank transfer, or Interac e-Transfer. Our on-ramp partner will automatically convert your CAD to crypto, send it on the blockchain, and convert it to local currency for your recipient.
Why pre-fund? Faster transactions (no waiting for payment processing) and you can take advantage of favorable exchange rates when you see them.
How Coynitt Works
You Pay in Fiat (CAD)
Pay with debit/credit card, bank transfer, or Interac e-Transfer
On-Ramp: Fiat → Crypto
Our partner converts your CAD to USDC on Base or Polygon based on AI routing (best rate & speed)
Blockchain Transfer
Crypto travels on blockchain (fast, cheap, secure) - you're in control with your private keys
Off-Ramp: Crypto → Fiat
Our partner converts crypto to local currency (KES, NGN, ZWL, ZAR)
Recipient Gets Fiat
Recipient receives local currency via mobile money, bank account, or cash pickup
Pre-Fund Your Wallet
Add funds to your wallet now to skip payment processing when sending money
Buy Crypto with Fiat
Pay with card/bank transfer • Converted to USDC • 2-3% fee
Already Have Crypto?
Send USDC (Base or Polygon) from another wallet • Get your wallet address
Ready to Send Money?
You don't need to pre-fund. Start sending money now and pay as you go.
💸 Send Money Now