Money home, in minutes.
Family in New York, Toronto, London, or Miami sends through their bank, card, or supported stablecoins. Funds typically land in your Wam within minutes (subject to compliance checks). Receive in USD, or exchange to TTD at the displayed rate — margin shown on screen before you confirm.
Four ways to send money in.
Whoever’s sending — and whatever bank or wallet they’re using — we have a rail that works.
From the US
Send from a US bank with your account and routing number, or push from Zelle, Cash App, or Venmo to your Wam.
From the UK
Family in London or Manchester sends from any UK bank using your sort code and account number. Most arrive in seconds.
From the EU
Accept SEPA credit transfers from 36 European countries to your Euro IBAN. One-off or recurring.
From a crypto wallet
Send USDC or USDT on Ethereum, Polygon, Base, Tron, or Solana. Auto-converts to your USD balance.
Three steps. That’s the whole flow.
They send from their bank or wallet
Using your Wam USD account details, your Euro IBAN, your UK sort code, or your on-chain deposit address. No queues, no Western Union windows.
It lands in your Wam
ACH in 1–2 business days, FPS typically in seconds, SEPA in 1 business day, on-chain stablecoins typically 1–15 minutes (chain-dependent). You get notified when funds clear.
Keep your balance, or exchange to TTD
Keep the dollars in your balance for when you need them, or exchange to TTD at the displayed rate — margin shown on screen before you confirm.
One rate on screen. Margin and all.
Wam publishes the spread on every exchange. The all-in rate you see at confirm includes our margin — no separate “transfer fee” tacked on at the end. The rate you confirm is the rate that executes.
- Free to receiveACH, FPS, SEPA all free. On-chain only pays the network fee.
- Spread published on every exchangeThe all-in rate you see at confirm includes our margin. Full schedule one tap away.
- Funds held in segregationCustomer funds sit in segregated holding accounts under CBTT EMI safeguarding rules. Not deposit insurance — no DIC cover for e-money in T&T.
Held under CBTT EMI safeguarding rules. Exchange rates include our published spread — full schedule one tap away.
USD
TTDThe questions diaspora families ask first.
How fast does the money actually arrive?
FPS (UK) usually clears in under a minute. SEPA (EU) is one business day. ACH (US) is 1–2 business days. On-chain USDC/USDT is 1–3 minutes. We notify you the moment funds clear.
What are the fees?
There is no Wam fee on incoming ACH, FPS, SEPA, or on-chain transfers. Blockchain network (gas) fees are paid by the sender. When you exchange currency, the all-in rate (including our published spread) is shown on screen before you confirm. See the full Fee Schedule for the canonical list.
Do I need a US bank or address to receive USD?
No. Wam gives you a US checking account with a real account and routing number in your name — issued through our regulated US partner. No US address, no SSN, no credit check.
Can I keep the money in USD instead of converting?
Yes. Your Wam balance can hold USD, EUR, GBP, USDC, and USDT alongside TTD. Spend any of them with your virtual Visa card, or convert when the rate is right.
Is this legal in Trinidad & Tobago?
Yes. Wam is a licensed Electronic Money Institution and Payment Service Provider regulated by the Central Bank of Trinidad & Tobago. Your funds are held in segregated, supervised accounts.
What about Western Union, MoneyGram, or remittance apps I already use?
You can keep using them and have them deposit straight into your Wam. But once you have a US account in your name, most senders find it easier (and free) to push from their own bank.
Tell your family to send to a real US account.
Setup takes 30 seconds. Your USD account, EUR IBAN, UK sort code, and on-chain address are issued instantly after verification.