● Remittance Engine GLOBAL
◆ Countries Served 120+ globally
◆ Global Remittances $800B+ annual market
● Avg FX Saving 4.2% vs wire transfers
◆ SACCO / Cooperative Links Live · Global
● Transfer Speed Under 90 seconds
◆ Auto-Split Rules Savings · Invest · Family
● Corridors Active 240+ live corridors
● Remittance Engine GLOBAL
◆ Countries Served 120+ globally
◆ Global Remittances $800B+ annual market
● Avg FX Saving 4.2% vs wire transfers
◆ SACCO / Cooperative Links Live · Global
● Transfer Speed Under 90 seconds
◆ Auto-Split Rules Savings · Invest · Family
● Corridors Active 240+ live corridors
zung.ai Global · Diaspora & Remittance Banking
Money home.
Wealth built
at the source.
zung.ai links diaspora remittances from 120+ countries directly to home-country SACCO savings, cooperative accounts, and investment portfolios — turning one-time transfers into systematic wealth-building with AI-powered FX optimisation, automated split rules, and real-time financial inclusion at the destination.
KD
NM
EB
+
Trusted by 60+ banks and cooperatives across 120+ countries — a truly global platform
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Live Transfer Route
⟳ Processing · 38s
🇬🇧
London
→
🌍
AI FX Engine
→
🇳🇬
Lagos
Sending £500 GBP
₦ 1,245,000
FX 4.2% better than bank
Home SACCO Savings
50% · ₦622,500
Investment Account
30% · ₦373,500
Family Allowance
20% · ₦249,000
240+
Corridors
<90s
Transfer
4.2%
FX Saving
London → Lagos — 90s · 4.2% saved
SACCO auto-credited ✓
Global corridors
UK
USA
UAE
Canada
Europe
120+ Countries
The global opportunity
The world's largest untapped wealth corridor
$800B flows from diaspora communities to home countries every year. zung.ai transforms these transfers from simple cash remittances into structured savings, investments, and cooperative deposits — building lasting wealth at the destination.
$800B+
Annual global remittance market size
240+
Active corridors across 120+ countries
4.2%
Average FX saving vs traditional wire
68%
Diaspora members who want home-country savings links
Core capabilities
Every remittance becomes
a wealth-building event
A unified global platform that connects the diaspora member's sending account to their home-country cooperative, SACCO, or investment account — with AI optimising every aspect of the journey.
240+ Global Remittance Corridors
Live transfer corridors connecting 120+ sending countries — UK, USA, UAE, Canada, Germany, Australia, Gulf states, and more — to home-country banks, SACCOs, cooperatives, and mobile money wallets across Africa, Asia, Latin America, and the Caribbean.
120+ Countries
AI FX Optimisation Engine
AI monitors live FX rates across 40+ liquidity providers and executes at the optimal moment — saving an average 4.2% per transfer versus traditional wire transfers. Rate lock-in, forward booking, and multi-currency netting for frequent senders.
Best Rate · AI-Timed
SACCO & Cooperative Integration
Direct API links to home-country SACCOs, cooperatives, building societies, and credit unions worldwide — remittances credited directly to member savings accounts, share capital, or loan repayment accounts without intermediate cash handling at the destination.
Direct SACCO Credit
Automated Smart Split Rules
Diaspora members set rules once — 50% to SACCO savings, 30% to investment account, 20% to family living allowance — and every subsequent remittance is split and routed automatically. AI suggests optimal split ratios based on financial goals and home-country costs.
Set & Forget
Home-Country Investment Gateway
Link remittances directly to home-country treasury bills, money market funds, property investment vehicles, and stock exchange accounts — with AI curating eligible instruments by country, minimum investment, liquidity, and projected yield for each diaspora member's profile.
T-Bills · MMF · Equity
Unified Diaspora Financial Dashboard
One app showing the diaspora member's complete cross-border financial picture — sending country bank account, home-country SACCO balance, investment portfolio, transfer history, FX savings achieved, and projected wealth-building trajectory — updated in real time.
Cross-Border View
How it works
From diaspora paycheck to
home-country wealth
01
Diaspora member sets up linked accounts
The diaspora member connects their host-country bank account or debit card to zung.ai — then links their home-country cooperative, SACCO, or bank account as the destination. Smart split rules are configured once: how much goes to savings, investment, and family cash. Takes under 5 minutes.
5-Minute Setup02
AI optimises FX at every transfer
When a transfer is initiated, AI scans 40+ FX liquidity providers in real time and executes at the best available rate — consistently beating bank transfer rates by an average of 4.2%. For regular senders, AI learns optimal transfer timing patterns and can auto-execute on salary credit.
Best Rate Guaranteed03
Funds split and routed in under 90 seconds
Following the smart split rules, AI routes each portion simultaneously — SACCO savings credited directly, investment account topped up, and family cash disbursed via mobile money or bank transfer. All three happen in parallel. The recipient family gets an instant WhatsApp notification.
Parallel Routing · 90s04
Wealth tracking and financial insights
Both the diaspora member and their home-country family see a live cross-border financial dashboard — cumulative remittances, SACCO balance growth, investment returns, FX savings achieved, and projected wealth trajectory. AI proactively suggests adjustments to savings rate, timing, and instrument allocation.
Wealth Dashboard
zung.ai Remit
● LIVE
✓ Setup
⟳ FX
Route
Track
Account Links — Configured
Sending Account🇬🇧 UK Current Acc
Destination SACCO🌍 Home Cooperative
Investment AccountT-Bills + MMF
Family CashMobile Money
SMART SPLIT: 50% · 30% · 20% ACTIVE
FX Optimisation — AI Live
Bank Wire Rate1.2480
🏆 zung.ai Rate1.2995
SAVING £20.75 ON THIS TRANSFER · 4.1%
Smart Split Routing — Parallel
✓SACCO savings credited£250 → 50%
✓Investment account topped up£150 → 30%
⟳Family mobile money£100 → 20%
PARALLEL ROUTING · 62s ELAPSED · 90s ETA
Wealth Dashboard — Live
Total Remitted (12mo)£7,200
SACCO Balance+£3,840
Investment Return+14.2% APY
FX Saved Total£298
240+
Corridors
<90s
Transfer
4.2%
FX Saving
FX optimised — £298 saved/yr
SACCO credited ✓ 62s
Global corridors
Built for every diaspora
community, worldwide
zung.ai is a global platform — not a regional product. Every corridor is built with the specific financial infrastructure, cooperative ecosystem, and regulatory requirements of that market in mind.
🇬🇧🇺🇸 → 🌍
UK / USA → Africa
Largest corridor globally
African Diaspora Banking
Nigerian, Ghanaian, Ethiopian, Senegalese, and Rwandan diaspora in the UK and USA linking remittances to home-country SACCOs, cooperative unions, stock exchange accounts, and treasury bill subscriptions.
Direct SACCO / VSLA account credit
NSE / GSE investment linkage
Multi-country family distributions
🇦🇪🇸🇦 → 🌏
Gulf States → South/SE Asia
$87B annual corridor
South Asian Remittance
Pakistani, Bangladeshi, Sri Lankan, and Filipino workers in UAE, Saudi Arabia, Qatar, and Kuwait linking wage payments to home-country cooperative savings, property deposits, and micro-investment schemes.
Cooperative society deposits
Property developer escrow
Family emergency reserves
🇺🇸🇨🇦 → 🌎
North America → LatAm
$60B+ annually
Latin American Remittance
Mexican, Guatemalan, Colombian, and Dominican diaspora in the USA and Canada linking remittances to home-country credit cooperatives (cajas de ahorro), land savings programmes, and pension contributions.
Caja de ahorro integration
Housing savings programmes
Family cooperative accounts
🇪🇺🇬🇧 → 🌍
Europe → West Africa
Tontine digitalised
Francophone African Diaspora
Ivorian, Malian, Cameroonian, and Congolese communities in France, Belgium, and Germany directing remittances to tontines, microfinance institutions, and NSIA cooperative accounts across francophone Africa.
Tontine / ROSCAs digital link
MFI savings integration
Pension top-up contributions
🇦🇺🇳🇿 → 🌏
Oceania → Pacific Islands
Community-first banking
Pacific Islander Remittance
Tongan, Samoan, and Fijian communities in Australia and New Zealand linking wage remittances to village cooperative savings, church-run investment funds, and land savings cooperatives back home.
Village cooperative deposits
Church fund management
Land savings programmes
🌍 → 🌍
Intra-Africa Corridors
Intra-Africa
Intra-African Migration
South African miners sending to Zimbabwe and Mozambique, Côte d'Ivoire workers remitting to Burkina Faso, and Gulf of Guinea labour migration flows — all linking to cooperative savings at the origin community level.
SADC and ECOWAS corridors
Origin community cooperative
Mobile money integration
Developer-first
Build remittance products
on one global API
One REST API with SDKs in 6 languages — covering FX optimisation, remittance initiation, account linking, and real-time tracking across 240+ corridors and 120+ countries.
POST /v1/remittance/send
// Initiate remittance with smart split
const txn = await zung.remit.send({
from_currency: "GBP",
to_currency: "NGN",
amount: 500,
fx_mode: "ai_optimised",
split_rule_id: "spl_9kx2"
});
// Response · 1.2s
{
"rate": 1.2995,
"saving_pct": 4.1,
"eta_seconds": 90,
"splits_queued": 3
}
const txn = await zung.remit.send({
from_currency: "GBP",
to_currency: "NGN",
amount: 500,
fx_mode: "ai_optimised",
split_rule_id: "spl_9kx2"
});
// Response · 1.2s
{
"rate": 1.2995,
"saving_pct": 4.1,
"eta_seconds": 90,
"splits_queued": 3
}
240+ corridors via one integration
Single API handles FX optimisation, compliance checks, destination routing, and split execution across all corridors — no bilateral integrations required.
FX rate webhook subscriptions
Subscribe to real-time FX rate events for any currency pair — trigger auto-execution when rates hit your customer's target, with AI timing recommendations.
White-label diaspora app SDK
Complete white-label diaspora banking SDK — iOS, Android, and web — with pre-built transfer, split, SACCO linkage, and wealth dashboard UI. Launch your own diaspora product in weeks.
Global compliance
Compliant in every corridor,
by design
Cross-border money movement is the most heavily regulated financial activity in the world. zung.ai's compliance layer handles KYC, AML, sanctions screening, and regulatory reporting automatically — for every sending and receiving country pair.
FATF / AML Compliant Globally
OFAC · UN · EU Sanctions Screening
PSD2 & FCA Authorised (UK/EU)
FinCEN MSB Registered (USA)
SOC 2 Type II · ISO 27001
Destination Central Bank Compliant
Corridor-Specific Compliance
Each sending-receiving country pair has specific AML rules, reporting thresholds, and registration requirements — zung.ai enforces all of them automatically without manual configuration.
Real-Time Sanctions Screening
Every sender, recipient, and beneficial owner screened against OFAC, UN, EU, and local watchlists in real time — before funds move, not after. Zero manual review for clean transactions.
Regulatory Reporting Automation
Currency Transaction Reports (CTRs), Suspicious Activity Reports (SARs), and international transfer disclosures generated and filed automatically for every jurisdiction.
Enhanced Due Diligence
For high-value or high-frequency senders, AI automatically triggers EDD workflows — requesting additional documentation and applying enhanced monitoring without disrupting the customer experience.
Global partner network
Connected to the world's
payment infrastructure
Pre-built connections to global payment rails, FX liquidity providers, cooperative management systems, and mobile money networks across every major remittance corridor.
SWIFT GPI
Wise (Transferwise)
Currencycloud
Earthport / Visa DPS
RTGS · FPS · SEPA
M-Pesa · MTN MoMo
Airtel · Orange Money
Temenos CBS
World Bank COOP API
Western Union API
Flutterwave
+80 more
Turn every remittance into wealth
$800 billion flows home
every year. Make it work harder.
Join 60+ banks and cooperatives using zung.ai's global remittance platform — connecting diaspora communities in 120+ countries to home-country SACCO savings, cooperative accounts, and investment portfolios across 240+ active corridors.
120+ countries
Live in 3 weeks
FATF compliant
SOC 2 Type II