By Airopay Technologies · Lekki, Lagos, Nigeria

Money that moves
without a bank.

Airosend is the international transfer product built on Airopay — Nigeria's digital banking platform serving over 10 million users since 2014. Send and receive money instantly. No bank account required. No hidden charges.

Founded 2014 · Trusted by 10M+ users · CEO Charles Oyakhilome
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⚡
Instant
Transfer speed
Airopay Platform
Lekki, Lagos · Est. 2014
Active
10M+
Users on the Airopay platform
↑↓
Send & receive money instantly, no hidden charges
📋
Bills: DStv, electricity, water, flights, tuition
⬛
QR code contactless retail & merchant payments
🏪
Agent cash deposit & cardless ATM withdrawal
💰
Save with up to 16% interest per annum
⚡
Instant micro-loans, no collateral, 24h approval
iOS & Android
Available on
Zero hidden fees
Pricing policy
🔒
Azure
Bank-grade security
10M+
Users on Airopay platform
2014
Founded in Lagos, Nigeria
16%
Interest rate on savings p.a.
₦0
Hidden charges, ever
Global Corridors

Nigeria sends $20.93 billion
home every year.

In 2024, Nigerians in the diaspora remitted $20.93 billion — 37% of all Sub-Saharan Africa's remittances. Airosend is built to move that money faster, cheaper, and without a bank account.

Lagos London New York Toronto Europe Accra $20.93B remitted · 2024
Lagos (origin)
Diaspora destinations
— — Active remittance corridors
Top corridor
Lagos → London
Nigerian diaspora in UK: ~250,000
Top corridor
Lagos → New York
Largest single source globally
Top corridor
Lagos → Toronto
Fast-growing Nigerian community
Market size
$20.93B ↑ 8.9%
Nigeria inbound remittances, 2024
Regional share
37% of Sub-Saharan
Nigeria's share of Africa remittances
vs FDI
4× larger
Remittances vs Nigeria FDI in 2024
What is Airosend

Airopay's decade of trust,
built for the world.

Airopay Technologies has been building digital banking infrastructure since 2014 — trusted by 10 million users across Nigeria. Founded by CEO Charles Oyakhilome, the platform operates out of Lekki, Lagos, with a mission to digitise payments across Africa and beyond. Airosend is the next step: taking that proven foundation into global corridors.

No bank account required

Anyone with a phone number can open a wallet. No paperwork, no branch visit, no credit history. Launched November 24, 2020 on iOS and Android, free to get started.

Built for immigrants

Airopay's stated mission is fast international payment products for immigrants. Airosend delivers that at scale — with termination of international remittances directly to wallets.

Agent cash-out network

Recipients withdraw cash at local Airopay agents using a QR code — bridging digital wallets to the physical world, no smartphone needed on the receiving end.

Azure-secured infrastructure

Built with Microsoft Azure security centers for threat detection and blocking, XXE injection protection, and multiple transaction security layers for peace of mind.

Core features · Live on Airopay

Everything you need.
Nothing you don't.

01

Instant transfers

Send and receive money at super-fast speed — domestically or internationally — with no hidden charges.

02

Bill payments & reminders

Pay DStv, electricity, water, airtime, flight tickets, tuition for 100+ institutions, and betting/lottery — all from one app.

03

QR code payments

Contactless transactions at any merchant store. Scan, review order, confirm. Also powers agent cash deposits and cardless ATM withdrawals.

04

Agent cash network

Deposit or withdraw cash at any Airopay agent via QR scan. Includes cardless ATM withdrawal — banking for those without traditional access.

05

16% savings interest

Up to 16% interest per annum on savings — with promotional rates reaching 20%. Multiple savings goals supported.

06

Instant micro-loans

No collateral. No branch visit. Apply from the app — approved micro-loans credited to your Airopay wallet within 24 hours.

Why Airosend

The market charges
too much. We won't.

The global average cost to send $200 was 6.62% in 2024. Banks averaged 13.64%. Airosend, built on Airopay's infrastructure, targets a fraction of that — with no bank account required on either end.

6.62%
Global average cost to send $200 (all providers, 2024)
SOURCE: World Bank RPW / William Blair 2024
13.64%
Average cost via traditional banks in 2024
SOURCE: World Bank Remittance Prices Worldwide
$20.93B
Remittances to Nigeria in 2024 — 37% of Sub-Saharan Africa
SOURCE: World Bank / NiDCOM, 2025
Feature Airosend / Airopay Western Union Wise WorldRemit Traditional Banks
Transfer fees (approx.)No hidden charges~3–8% effective~0.6–1.5%~2–4%~13.64% avg
Bank account required to receive?✓ No — wallet or agent✓ Cash pickup option✗ Bank required~ Limited options✗ Bank required
Bank account to send?✓ Phone number only~ Cash or card✗ Bank required~ Card/bank✗ Bank required
Cash-out at local agent✓ QR code agent network✓ 500K+ locations✗ No✓ Partner agents✗ ATM only
Savings / interest rateUp to 16% p.a.None~4% (GBP)None2–5% typical
Instant micro-loans✓ 24h, no collateral✗ No✗ No✗ No✗ Lengthy process
Bill payments built-in✓ 100+ institutions✗ No✗ No✗ No~ Limited
African corridor focusNigeria-first, diaspora-builtPresent but genericLimited corridorsStrong Africa focusPoor / expensive
Platform age / trustFounded 2014, 10M usersFounded 1851Founded 2011Founded 2010Long history

Data sources: World Bank Remittance Prices Worldwide Q1 2024; William Blair Money Remittances Report 2024; Airopay Technologies. Effective fee rates include exchange rate markups where applicable. Airosend fees are based on Airopay's stated zero-hidden-charges policy; final Airosend international pricing to be confirmed at launch.

How it works
01
Onboarding · 2 minutes

Create your wallet

Sign up with just your phone number. No bank account, no paperwork, no branch visit. Free to get started — available on iOS and Android.

02
Funding

Add money

Top up via cash at any Airopay agent, or receive a transfer from another wallet. Includes cardless ATM deposits and multiple funding channels.

03
Transfer

Send anywhere

Send money by phone number or QR code. Domestically or internationally — Airosend handles it at speed, with zero hidden charges on either end.

04
Cash-out

Collect at any agent

Recipients collect cash at any local Airopay agent by scanning a QR code. No smartphone or bank account needed on their end.

Coming Soon

What's launching with Airosend

Airosend extends Airopay's proven platform into international corridors. Here's what's on the roadmap.

Coming Soon

International transfers

Cross-border money movement for the Nigerian diaspora — powered by Airopay's proven infrastructure, now going global. Direct-to-wallet and agent cash-out.

Coming Soon

Diaspora wallet

A dedicated wallet for immigrants sending money home. No SWIFT codes, no routing numbers — just a phone number and a tap. Built for the $20.93B Nigeria corridor.

Coming Soon

Enterprise API

Businesses can embed Airosend's transfer infrastructure into their own products via a clean, developer-ready API — built on a decade of Airopay's fintech foundation.

Launch readiness
0%

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"
The app has enough security already to warrant having multiple accounts on both iOS and Android mobile devices.
Chinwendu Uba · Airopay user
Charles Oyakhilome John
Leadership

About the CEO

Charles Oyakhilome John

Founder & Chief Executive Officer, Airopay Group

Charles Oyakhilome John is the founder and CEO of Airopay Group, a fintech company dedicated to transforming how people send, receive, and manage money. With a strong focus on innovation, accessibility, and financial inclusion, he has led the development of secure payment solutions serving users across multiple markets.

Under his leadership, Airopay has grown into a trusted financial technology platform. His vision continues through AiroSend, a next- generation international money transfer solution designed to make cross-border payments faster, easier, and more accessible for everyone.

"Our goal is to make mobile payments across borders very easy."