UK-based Kantox is a FinTech company that provides currency related solutions for small to mid-sized businesses as well as corporate clients. Founded in 2011, this company simplifies making international payments and provides different hedging tools. Since several FinTech companies have entered this realm in the last two decades, the competition this company faces is tough.
If you are looking for an alternative to Kantox, do not go by the first recommendation that comes your way. This is because several factors come into play when transferring funds overseas, and it is not uncommon for businesses to have distinct requirements. For example, not all overseas fund transfer companies provide hedging tools.
Kantox Competitor Comparison Table
UKUSAAustralia / NZCanadaEuropeHong Kong
- User RatingTrustPilot or Feefo User Ratings
- Transfer Type
- Coupon
- Fee
- Speed
- Regular Payments
- Mobile App
- Min Transfer Amount
OFX (UK)
- 8.9/10
- Online
PhoneOne off transfers Regular transfers - NO FEES
- NO FEES
- 1 - 3 Days
- Their website is also responsive so it auto-scales to your screen size.
- £100
WorldFirst
- 9.2/10
- Online
PhoneOne off transfers Regular transfers Forward contracts Currency options - NO FEES
- NO FEES.
- 1 - 3 Days
- Their website is responsive so it auto-scales to your screen size.
- £1000 / $1000 / €1000 / AUD$2000
TorFX (UK / Europe)
- 9.5/10
- Online
PhoneOne off transfers Regular transfers Rate Watch Limit Orders Forward Contracts - NO FEES
- NO FEEThey charge no fees on 90% of transactions. If fees apply you are informed upfront.
- 1 - 3 Days
- £50 / €100£2000 and over for phone assistance.
£50 - £10,000 via the TorFX online.
Currencies Direct
- 9.1/10
- Online
PhoneOne off transfers Regular transfers Forward Contracts Limit orders Stop loss orders - NO FEES
Currencies Direct regularly offer great rewards for new clients.
Check back again soon for their latest offers… - NO FEEThey charge no fees on 90% of transactions. If fees apply you are informed upfront.
- 1 - 3 Days
- Their website is responsive so it auto-scales to your screen size.
- £1 / $1 / €1
TransferWise
- 9.3/10
- Online OnlyOne off transfers Regular transfers
- First £3,000 Fee Free!
First TransferWise transfer is free up to £3,000 or other currency equivalent. E.g. USD$4,500, AUD$6,000, €4,000. - ~0.5%Min and Max Fees apply.. Learn More
- 1 - 2 Days
- £1 / $1Min and Max Fees apply.. Learn More
CurrencyFair
- 9.2/10
- Online
Phone AssistanceOne off transfers Regular transfers - 5 Transfers Fee Free!
Your first FIVE Transfers Fee Free! Learn more - €3Euro Equivalent. Learn more
- 1 - 2 DaysPriority 1-Day transfers are available at extra cost
NEW Automatic QuickTrade feature could take as little as 1 hour! - Their website is also responsive so it auto-scales to your screen size.
- €8Euro Equivalent. Learn more
- User RatingTrustPilot or Feefo User Ratings
- Transfer Type
- Coupon
- Fee
- Speed
- Regular Payments
- Mobile App
- Min Transfer Amount
FrontierPay
- 9.7/10
- Online
PhoneOne off transfers Regular transfers - NO FEESNo fees are charged on any transaction
- NO FEE
- 1 - 3 Days
- $1,000
FC Exchange
- 9.7/10
- Online
phoneOne off transfers Regular transfers Forward Contracts - £0 / £10No fee for transfers over £10,000!
- 1 - 3 Days
- Feel free to call and discuss your needs with their very helpful brokers.
- £1,000 - £3,000For regular transfers, the minumum transfer can be reduced to £1,000. Give FC Exchange a call to discuss your individual needs.
XE.com
- 9.1/10
- Online OnlyOne off transfers Phone assistance available
- NO FEES
- NO FEESXE.com transaction fees are contained within the exchange rate offered.
- 1 - 2 Days
- Regular payments to PayPal registered merchants is possible.
Regular payments to family or friends PayPal accounts is not currently possible. - Their website is responsive so it auto-scales to your screen size.
- €/£/$1
WorldRemit
- 9.4/10
- Online OnlyOne off transfers Phone assistance available
- First 3 Transfers Fee Free.
Your first overseas transfer Fee Free! Learn more - $3 - 4For example. Sending €10,000
from Australia would incur
€50 fee + 4-5% exchange
rate fee on top of market rates. - 1 - 3 Days
- Regular payments to PayPal registered merchants is possible.
Regular payments to family or friends PayPal accounts is not currently possible. - Their website is responsive so it auto-scales to your screen size.
- €/£/$1
- User RatingTrustPilot or Feefo User Ratings
- Transfer Type
- Coupon
- Fee
- Speed
- Regular Payments
- Mobile App
- Min Transfer Amount
OFX (USA)
- 8.9/10
- Online
PhoneOne off transfers Regular transfers Buy Now Transfer Later Set Target Rate FX Options - NO FEES
- NO FEES
- 1 - 3 Days
- Their website is also responsive so it auto-scales to your screen size.
- USD$250
TransferWise
- 9.3/10
- Online OnlyOne off transfers Regular transfers
- First £3,000 Fee Free!
First TransferWise transfer is free up to £3,000 or other currency equivalent. E.g. USD$4,500, AUD$6,000, €4,000. - ~0.5%Min and Max Fees apply.. Learn More
- 1 - 2 Days
- £1 / $1Min and Max Fees apply.. Learn More
XE.com
- 9.1/10
- Online OnlyOne off transfers Phone assistance available
- NO FEES
- NO FEESXE.com transaction fees are contained within the exchange rate offered.
- 1 - 2 Days
- Regular payments to PayPal registered merchants is possible.
Regular payments to family or friends PayPal accounts is not currently possible. - Their website is responsive so it auto-scales to your screen size.
- €/£/$1
- User RatingTrustPilot or Feefo User Ratings
- Transfer Type
- Coupon
- Fee
- Speed
- Regular Payments
- Mobile App
- Min Transfer Amount
OFX (Aus / NZ)
- 9.1/10
- Online
PhoneOne off transfers Regular transfers - First 2 Transactions Free
- AUD$15
- 1 - 3 Days
- Their website is also responsive so it auto-scales to your screen size.
- AUD$250
TorFX (Aus / NZ)
- 9.5/10
- Online
PhoneOne off transfers Regular transfers Rate Watch Limit Orders Forward Contracts - NO FEES
- NO FEEThey charge no fees on 90% of transactions. If fees apply you are informed upfront.
- 1 - 3 Days
- Their website is responsive so it auto-scales to your screen size.
- $100$2000 and over for phone assistance.
$50 - $10,000 via the TorFX online.
WorldFirst
- 9.2/10
- Online
PhoneOne off transfers Regular transfers Forward contracts Currency options - NO FEES
- NO FEES.
- 1 - 3 Days
- Their website is responsive so it auto-scales to your screen size.
- £1000 / $1000 / €1000 / AUD$2000
TransferWise
- 9.3/10
- Online OnlyOne off transfers Regular transfers
- First £3,000 Fee Free!
First TransferWise transfer is free up to £3,000 or other currency equivalent. E.g. USD$4,500, AUD$6,000, €4,000. - ~0.5%Min and Max Fees apply.. Learn More
- 1 - 2 Days
- £1 / $1Min and Max Fees apply.. Learn More
- User RatingTrustPilot or Feefo User Ratings
- Transfer Type
- Coupon
- Fee
- Speed
- Regular Payments
- Mobile App
- Min Transfer Amount
CurrencyFair
- 9.2/10
- Online
Phone AssistanceOne off transfers Regular transfers - 5 Transfers Fee Free!
Your first FIVE Transfers Fee Free! Learn more - €3Euro Equivalent. Learn more
- 1 - 2 DaysPriority 1-Day transfers are available at extra cost
NEW Automatic QuickTrade feature could take as little as 1 hour! - Their website is also responsive so it auto-scales to your screen size.
- €8Euro Equivalent. Learn more
XE (Formerly HiFX)
- 9.1/10
- Online OnlyOne off transfers Phone assistance available
- XE.com transaction fees are contained within the exchange rate offered.
- 1 - 5 Days
- Regular payments to PayPal registered merchants is possible.
Regular payments to family or friends PayPal accounts is not currently possible. - Their website is responsive so it auto-scales to your screen size.
- €/£/$1
WorldRemit
- 9.4/10
- Online OnlyOne off transfers Phone assistance available
- First 3 Transfers Fee Free.
Your first overseas transfer Fee Free! Learn more - $3 - 4For example. Sending €10,000
from Australia would incur
€50 fee + 4-5% exchange
rate fee on top of market rates. - 1 - 3 Days
- Regular payments to PayPal registered merchants is possible.
Regular payments to family or friends PayPal accounts is not currently possible. - Their website is responsive so it auto-scales to your screen size.
- €/£/$1
- User RatingTrustPilot or Feefo User Ratings
- Transfer Type
- Coupon
- Fee
- Speed
- Regular Payments
- Mobile App
- Min Transfer Amount
WorldFirst
- 9.2/10
- Online
PhoneOne off transfers Regular transfers Forward contracts Currency options - NO FEES
- NO FEES.
- 1 - 3 Days
- Their website is responsive so it auto-scales to your screen size.
- £1000 / $1000 / €1000 / AUD$2000
OFX (Canada)
- 8.9/10
- Online
PhoneOne off transfers Regular transfers - First 2 Transactions Free
- CAD$15
- 1 - 3 Days
- Their website is also responsive so it auto-scales to your screen size.
- CAD$250
TransferWise
- 9.3/10
- Online OnlyOne off transfers Regular transfers
- First £3,000 Fee Free!
First TransferWise transfer is free up to £3,000 or other currency equivalent. E.g. USD$4,500, AUD$6,000, €4,000. - ~0.5%Min and Max Fees apply.. Learn More
- 1 - 2 Days
- £1 / $1Min and Max Fees apply.. Learn More
CurrencyFair
- 9.2/10
- Online
Phone AssistanceOne off transfers Regular transfers - 3 Transfers Fee Free!
Your first Three Transfers Fee Free! Learn more - €3Euro Equivalent. Learn more
- 1 - 2 DaysPriority 1-Day transfers are available at extra cost
NEW Automatic QuickTrade feature could take as little as 1 hour! - Their website is also responsive so it auto-scales to your screen size.
- €8Euro Equivalent. Learn more
- User RatingTrustPilot or Feefo User Ratings
- Transfer Type
- Coupon
- Fee
- Speed
- Regular Payments
- Mobile App
- Min Transfer Amount
WorldFirst
- 9.2/10
- Online
PhoneOne off transfers Regular transfers Forward contracts Currency options - NO FEES
- NO FEES.
- 1 - 3 Days
- Their website is responsive so it auto-scales to your screen size.
- £1000 / $1000 / €1000 / AUD$2000
Currencies Direct
- 9.1/10
- Online
PhoneOne off transfers Regular transfers Forward Contracts Limit orders Stop loss orders - NO FEES
Currencies Direct regularly offer great rewards for new clients.
Check back again soon for their latest offers… - NO FEEThey charge no fees on 90% of transactions. If fees apply you are informed upfront.
- 1 - 3 Days
- Their website is responsive so it auto-scales to your screen size.
- £1 / $1 / €1
TransferWise
- 9.3/10
- Online OnlyOne off transfers Regular transfers
- First £3,000 Fee Free!
First TransferWise transfer is free up to £3,000 or other currency equivalent. E.g. USD$4,500, AUD$6,000, €4,000. - ~0.5%Min and Max Fees apply.. Learn More
- 1 - 2 Days
- £1 / $1Min and Max Fees apply.. Learn More
CurrencyFair
- 9.2/10
- Online
Phone AssistanceOne off transfers Regular transfers - 3 Transfers Fee Free!
Your first Three Transfers Fee Free! Learn more - €3Euro Equivalent. Learn more
- 1 - 2 DaysPriority 1-Day transfers are available at extra cost
NEW Automatic QuickTrade feature could take as little as 1 hour! - Their website is also responsive so it auto-scales to your screen size.
- €8Euro Equivalent. Learn more
TorFX (UK / Europe)
- 9.5/10
- Online
PhoneOne off transfers Regular transfers Rate Watch Limit Orders Forward Contracts - NO FEES
- NO FEEThey charge no fees on 90% of transactions. If fees apply you are informed upfront.
- 1 - 3 Days
- £50 / €100£2000 and over for phone assistance.
£50 - £10,000 via the TorFX online.
OFX (UK)
- 8.9/10
- Online
PhoneOne off transfers Regular transfers - NO FEES
- NO FEES
- 1 - 3 Days
- Their website is also responsive so it auto-scales to your screen size.
- £100
- User RatingTrustPilot or Feefo User Ratings
- Transfer Type
- Coupon
- Fee
- Speed
- Regular Payments
- Mobile App
- Min Transfer Amount
FrontierPay
- 9.7/10
- Online
PhoneOne off transfers Regular transfers - NO FEESNo fees are charged on any transaction
- NO FEE
- 1 - 3 Days
- $1,000
FC Exchange
- 9.7/10
- Online
phoneOne off transfers Regular transfers Forward Contracts - £0 / £10No fee for transfers over £10,000!
- 1 - 3 Days
- Feel free to call and discuss your needs with their very helpful brokers.
- £1,000 - £3,000For regular transfers, the minumum transfer can be reduced to £1,000. Give FC Exchange a call to discuss your individual needs.
XE (Formerly HiFX)
- 9.1/10
- Online OnlyOne off transfers Phone assistance available
- XE.com transaction fees are contained within the exchange rate offered.
- 1 - 5 Days
- Regular payments to PayPal registered merchants is possible.
Regular payments to family or friends PayPal accounts is not currently possible. - Their website is responsive so it auto-scales to your screen size.
- €/£/$1
WorldRemit
- 9.4/10
- Online OnlyOne off transfers Phone assistance available
- First 3 Transfers Fee Free.
Your first overseas transfer Fee Free! Learn more - $3 - 4For example. Sending €10,000
from Australia would incur
€50 fee + 4-5% exchange
rate fee on top of market rates. - 1 - 3 Days
- Regular payments to PayPal registered merchants is possible.
Regular payments to family or friends PayPal accounts is not currently possible. - Their website is responsive so it auto-scales to your screen size.
- €/£/$1
- User RatingTrustPilot or Feefo User Ratings
- Transfer Type
- Coupon
- Fee
- Speed
- Regular Payments
- Mobile App
- Min Transfer Amount
WorldFirst
- 9.2/10
- Online
PhoneOne off transfers Regular transfers Forward contracts Currency options - NO FEES
- NO FEES.
- 1 - 3 Days
- Their website is responsive so it auto-scales to your screen size.
- £1000 / $1000 / €1000 / AUD$2000
OFX
- 9.2/10
- Online
PhoneOne off transfers Regular transfers - First 2 Transactions Free
- AUD$15
- 1 - 3 Days
- Their website is also responsive so it auto-scales to your screen size.
- AUD$250
TransferWise
- 9.3/10
- Online OnlyOne off transfers Regular transfers
- First £3,000 Fee Free!
First TransferWise transfer is free up to £3,000 or other currency equivalent. E.g. USD$4,500, AUD$6,000, €4,000. - ~0.5%Min and Max Fees apply.. Learn More
- 1 - 2 Days
- £1 / $1Min and Max Fees apply.. Learn More
CurrencyFair
- 9.2/10
- Online
Phone AssistanceOne off transfers Regular transfers - 3 Transfers Fee Free!
Your first Three Transfers Fee Free! Learn more - €3Euro Equivalent. Learn more
- 1 - 2 DaysPriority 1-Day transfers are available at extra cost
NEW Automatic QuickTrade feature could take as little as 1 hour! - Their website is also responsive so it auto-scales to your screen size.
- €8Euro Equivalent. Learn more
TransferWise
TransferWise lets you register as a business, an online seller, or an individual. With the TransferWise Borderless Account, you get details for receiving accounts in three currencies. The account also lets you hold funds in up to 27 currencies. This Kantox alternative provides website access in multiple languages
Pros
- Serves businesses, online sellers, and individuals
- Headquartered in the UK, offices also in the U.S., Australia, Hungary, Estonia, Ukraine, Singapore, and Japan
- Website access in different languages
- Receiving accounts offered in USD, GBP, and EUR
- Use email addresses to send and receive funds
- Provides local phone support in some countries
Cons
- No market orders and forward contracts
- Cost of a transfer depends on the currencies involved, the transfer amount, and the mode of payment
- Not all countries served by its peer-to-peer network
XE
You may register with XE (Formerly HiFX) as a business or an individual. This Kantox competitor operates dedicated websites for the UK, the U.S., Australia, and New Zealand. It gives business clients easy means to make international payments and provides different hedging tools. Use the global payments solutions to make multiple payments by uploading in a single file, and you get to choose from over 140 currencies.
Pros
- Sign up as a business or an individual
- Headquartered in the UK, offices also in Australia, New Zealand, and Spain
- Provides better-than-usual rates when you transfer large sums
- Offers market orders, forward contracts, and scheduled transfers
Cons
- Website access only in English
- Absence of apps for mobile devices
Currencies Direct
Currencies Direct serves businesses, online sellers, and individuals. This Kantox alternative gives online sellers the ability to convert sales from popular international ecommerce platforms without requiring receiving accounts in matching currencies. You get segregated accounts within the main account so receiving multiple currencies is easy. A centralized system simplifies how you manage transfers.
Pros
- Register as a business, an online seller, or an individual
- UK-based, offices also in the U.S., Portugal, France, Spain, China, South Africa, and India
- Multilingual website
- Travel money solutions provided in the UK
- Pay international suppliers in local currencies
- Segregated accounts let you receive payments and hold funds in multiple currencies
- Get access to a dedicated account manager
- Choose from limit orders, forward contracts, and scheduled transfers
Cons
- Services not provided in all American states
World First
World First lets you register as a business, an online seller, or an individual. This alternative to Kantox provides receiving accounts in multiple currencies. Making cross-border payments is easy. It provides forward contracts.
Pros
- Register as a business, an online seller, or an individual
- UK-based, offices also in the U.S., Australia, the Netherlands, Hong Kong, Singapore, and Japan
- Multilingual website
- Local phone support in some countries
- Receiving accounts provided in GBP, USD, EUR, CAD, JPY, and CNY
- Making supplier payments is straightforward
- Lets you choose from forward contracts and scheduled transfers
- Individuals may use the World Account to receive bills and make payments in different currencies
- Personal transfers come with fee-free thresholds
Cons
- Does not provide services in the American states on Nevada and Alabama
- The country of the transfer’s origin and the transfer method affect sending limits
OFX
This Kantox competitor lets you sign up as a business, an online seller, or an individual. Online merchants may get local collection accounts in different currencies. You pay no outgoing fees when withdrawing funds from your OFX account into your local bank account.
Pros
- Serves businesses, online sellers, and individuals
- Australia-based, offices also in the UK, the U.S., New Zealand, and Hong Kong
- Local phone support in some countries
- Local currency accounts provided in GBP, USD, EUR, CAD, AUD, HKD, and JPY
- Online sellers may automate delivery of funds
- Online sellers get to transfer funds without incurring fees
- Provides market orders, forward contracts, and scheduled transfers
- Personal transfers come with fee-free thresholds
- Transfer funds online or over the phone
Cons
- Website access only in English
- Need to speak with an OFX representative over the phone to trade in some currencies
FC Exchange
You may register with FC Exchange as a business, an online seller, or an individual. Online merchants get receiving accounts in different currencies. This Kantox alternative provides hedging tools.
Pros
- Serves businesses, online sellers, and individuals
- UK-based, offices also in South Africa and Cyprus
- Use the dedicated website for online sellers from China in English or Chinese
- Get receiving accounts in GBP, USD, EUR, and JPY
- Get access to a dedicated currency broker
- Provides market orders, forward contracts, and scheduled transfers
- Transfer funds online or over the phone
- You may issue trade instructions via fax or email
Cons
- No multilingual website
- Fees depend on the payment method and the destination country
Tipalti
Tipalti provides international remittance and account payable services for businesses. Solutions that this alternative to Kantox provides include supplier onboarding, global payments, invoice processing, early payments, instant payment reconciliation, and tax compliance.
Pros
- Complete automation of accounts payable
- Supplier payment workload reduces by up to 80%
- Make accounts payable a source of revenue generation
- Choose from more than 120 currencies
- Lets you schedule transfers
Cons
- Serves only businesses
- Website access only in English
- Physical presence outside of the U.S. limits to Israel
PAYMILL
You may turn to this Kantox competitor if your needs do not extend beyond accepting and processing PayPal, debit card, and credit card payments from different countries. While the services of PAYMILL are available to merchants from Europe, you cannot register as a customer from the U.S. yet.
Pros
- Website access in different languages
- Optimized checkout experience for online sellers and businesses
- Accepts payments via debit cards, credit cards, and some local methods
- No account setup or ongoing maintenance fees
- Easy-to-integrate solutions
Cons
- Percentage-based pricing – €0.28 plus 2.95% for credit and debit card payments, and €0.28 plus 3.95% for payments via American Express
- No offices outside of Germany
- Serves only businesses
- No hedging tools or scheduled transfers
Paysafe
Merchants may use Paysafe to give their customers from the world over different payment methods from which to choose. You may use the services of this Kantox alternative to receive payments through your website and to process orders via email or over the phone. It lets you link your account to point-of-sale transactions and it gives you the ability to process payments using mobile devices.
Pros
- It is the parent company of NETELLER, Skrill, PAYOLUTION, paysafecard, and Fans Entertainment
- Headquartered in the Isle of Man, offices also in the UK, the U.S., Canada, Bulgaria, and India
- Website access in English and French
- Lets you accept and process payments from the world over
- Offers consumer currency cards, custom mobile payment solutions, and employee payroll cards
- Merchants in the D-A-CH (Germany-Austria-Switzerland) region may use Pay Later Solutions for monthly invoicing and payment in installments
- Use the paysafecard to make online payments
- Individuals may use NETELLER for overseas fund transfers
- As a VIP member, you pay as little as 1% in foreign exchange fees
Cons
- NETELLER lets you transfer funds only to other NETELLER accounts – the recipient then needs to withdraw funds into a local bank account
- The cost of a transfer depends on funding and withdrawal methods
- Does not provide scheduled transfers or hedging tools
Payoneer
Payoneer provides online fund transfer and ecommerce payment solutions for small and mid-sized businesses. Its lets clients receive funds from international customers, which they may access using a prepaid MasterCard. This Kantox competitor provides virtual bank accounts details for different currencies.
Pros
- Headquartered in the UK, offices also in Japan and the Philippines
- Pay via local bank transfers, international wire transfers, and Automated Clearing House (ACH) transfers
- Trade in over 150 currencies
- Small and mid-sized businesses get virtual bank account details for USD, GBP, EUR, and JPY
- You may withdraw transferred funds into your bank account or access it using an e-wallet or prepaid MasterCard
Cons
- You will need to pay an annual fee to maintain the prepaid MasterCard
- Cannot use its services to send money as an individual
PayPal
You may use PayPal to make payments to other PayPal users. Recipients can then withdraw funds into their local bank accounts or use the money to shop online. You may also access funds in your account using a prepaid PayPal card. This alternative to Kantox lets you transfer money using no more than a recipient’s email address.
Pros
- Serves businesses, online sellers, and individuals
- Multilingual website
- Provides easy-to-integrate solutions for ecommerce platforms
- Lets you use funds in your acount for online shopping depending on where you reside
Cons
- Does not support direct transfers to bank accounts
- No scheduled transfers or hedging tools
- Transfer fee depends on your country of residence, the destination country, and the mode of payment
Skrill
Skrill facilitates overseas fund transfers and online payments. This Kantox alternative serves businesses and individuals. You may access transferred funds using a prepaid MasterCard or withdraw it into your local bank account. The MasterCard comes in multiple currencies.
Pros
- Register as a business or an individual
- Headquartered in the UK, offices also in the U.S., Austria, and Sweden
- Transfer funds to Skrill accounts or mobile wallets
- No fees when making payments toward merchants
- Allows scheduling of transfers
- Use the Skrill wallet to hold funds in up to 40 currencies
- MasterCard available in USD, GBP, EUR, and PLN
Cons
- Does not allows direct transfers to bank accounts – recipients need to withdraw transferred funds into local bank accounts
- When transferring funds to individuals, you will need to pay 1.9% of the transfer amount as fees, not exceeding $20
- No hedging tools
- If payments do not match existing currencies in your account, you will need to pay conversion fees
Banks
While you will find several banks that cater to business clients in facilitating overseas fund transfers, finding one that is better than Kantox is quite a challenge. Banks the world over are losing out on their share of this market because of evolving technology that is allowing the competition to offer better exchange rates and charge lower fees. If you need to make or receive cross-border payments, consider limiting your search to specialist fund transfer companies.
Learn More
- Find TorFX alternatives.
- Is WorldRemit similar to MoneyGram?
- Who is similar to XOOM?
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