15-minute settlement
See how it works
Near real-time transfers
Most transfers complete within minutes, powered by secure blockchain-enabled settlement.
Live mid-market rates · Regulated US ↔ India
Send Money to India
in 15 minutes.
USD → INR transfers on blockchain rails. Always-live rates, no hidden spreads, and full transparency at every step — backed by FinCEN-registered MSB and FIU-registered partners.
- 15-minute settlement
- Zero hidden spreads
- 24×7×365, holidays included
- Bank-grade encryption + MPC
Trusted & regulated
FinCEN MSB
FIU-IND
AML/CFT
SOC 2 aligned
~15 min
Average settlement time
0%
Hidden FX spread
24×7
Including weekends & holidays
2 jurisdictions
US (FinCEN) + India (FIU)
Compare
The numbers don't lie.
See what $1,000 gets you across providers — AtomX delivers more value, in minutes, with no surprise fees.
| For $1,000 sent | Traditional Bank | Banking-rail MSB | AtomX Pay |
|---|---|---|---|
| Settlement time | 2–5 days | 1–2 days | ~15 minutes |
| Exchange rate | ~2.5% spread | ~1.0% spread | Mid-market · 0% spread |
| Transfer fee | $25–45 | $5–12 | $0 |
| Recipient gets (₹) | ~₹81,300 | ~₹82,500 | ₹83,420 |
| Available 24×7 | Business hours | Limited | Always on |
Illustrative comparison. Always-live rates — no hidden spreads, no locked currency pools.
Save up to ₹2,100 per $1,000 transfer.
How it works
From your bank to theirs
From your bank to theirs
in about 15 minutes.
Three steps. No middlemen. Live rates locked at the moment you send.
-
~2 min
Verify in minutes
Sign up and pass KYC once. We handle compliance for both sides.
-
~30 sec
Lock the live rate
See the exact mid-market rate. No spread. The number you see is what you get.
-
~15 min
Land in INR
Funds settle to the recipient's Indian bank — tracked end-to-end on-chain.
Why AtomX
The modern standard for global money transfers.
Built for clarity, speed, and trust — every dollar earns its rupee.
Mid-market pricing
Check today's rate
Live rates. No hidden fees.
Mid-market exchange rates with full pricing transparency — no hidden spreads, ever.
Always on
Send money now
24×7×365 availability
Send money anytime, including weekends and bank holidays. The world doesn't wait, and neither do we.
Bank-grade security
View security model
Advanced encryption & MPC
Bank-grade encryption, passwordless authentication, MPC and MultiSig controls safeguard every transaction.
Risk & fraud monitoring
Learn about controls
Real-time fraud controls
Risk scoring and behavioral analytics monitor every transaction to help prevent unauthorized activity.
Money-back guarantee
See refund policy
Refunds you can rely on
If your transfer doesn't proceed as expected, we ensure prompt resolution and eligible refunds per policy.
Compliance & security at the core
Regulator-grade compliance. Bank-grade security.
FinCEN-registered, FIU-registered rails with AML/CFT screening on every transfer and a full audit trail — wrapped in MPC + MultiSig custody, end-to-end encryption, and passwordless auth.
Licensed & registered
FinCEN MSB (US) · FIU-IND (India) · State-licensed.
Monitored every transfer
Sanctions, PEP & behavioral screening. Full audit log.
Custody & keys
MPC + MultiSig custody. No single point of failure.
Encryption & auth
End-to-end encryption. Passwordless sign-in.
About AtomX Pay
Building the future of global finance.
Transparency, speed, and security — engineered for real-world cross-border payments.
SANDBOX LIVE
— Our story —
Money should move like a message.
01
Our belief
You don't think about borders when you hit send.
You shouldn't have to when you transfer money. Cross-border should feel as instant, transparent, and reliable as domestic. That's the bar.
02
Who we are
An 18+ year team across the U.S. and India.
AtomX Pay is founded by experienced global professionals working at the intersection of blockchain technology and regulated financial infrastructure — bringing meaningful innovation to real-world cross-border payments.
USA
India
Team xp
18+ yrs
Markets
2
Status
● Sandbox
03
The shift we're making
From legacy rails to blockchain rails.
Most international transfers still ride 1970s correspondent-banking rails — slow, opaque, expensive. We connect domestic banking systems on both sides using blockchain rails, wrapped in regulator-grade compliance.
1–2 business days
→
~15 min settlement
2–5%+ total cost, hidden FX
→
One transparent fee, shown upfront
Marked-up FX spreads
→
Live mid-market FX, zero spread
Opaque counterparty chains
→
FinCEN + FIU, audited end-to-end
04
Who's building it
Built by alumni of EY, BDO, KPMG, and Amdocs.
Direct regulatory engagement with U.S. and Indian government authorities on payments and digital-asset frameworks.
ex-EY
ex-BDO
ex-KPMG
ex-Amdocs
U.S. + India regulatory engagement
The result
Real-time settlement. Real regulation.
— end of section · scroll for testimonials —
Customers
Real transfers. Real savings.
Why senders choose AtomX Pay every month — measured in money kept, not promises.
4.9 · 12,400+ verified transfers
Read all reviews
Sent rent home on a Sunday night and it landed before I went to bed. The rate was exactly what I saw on Google — no surprise fee at the end.Settled in 14 min · Sent $1,200
I track every step from initiation to settlement. The transparency is the difference — I know where my money is at every moment.18 transfers · ₹38,000 saved YTD
I used to lose ~2% to wire fees and FX spread on every transfer. With AtomX my parents simply receive more money, every time.~$240 kept per $12k sent
FAQ
Questions, answered.
How long does a transfer actually take?
Most USD → INR transfers complete in about 15 minutes from initiation to credit in the recipient's Indian bank account, including weekends and bank holidays. The exact timing depends on bank processing windows on the receiving end.
What's the exchange rate and how is the fee structured?
You see the live mid-market rate — the same one you'd find on Google or Reuters — with zero hidden spread. Any applicable transfer fee is shown upfront on the calculator before you confirm. No surprises at settlement.
Is AtomX Pay regulated?
Yes. AtomX Pay operates with FinCEN-registered MSB and state-licensed partners in the United States and FIU-registered partners in India, aligned with global AML/CFT standards.
What documents do I need to sign up?
A government-issued ID, a US-linked phone number, and a bank account or wallet to fund transfers. Verification is typically completed in minutes through Plaid and document checks.
What happens if my transfer fails?
Failures are rare and surfaced immediately via in-app notification and email. Eligible refunds are processed promptly under our money-back guarantee policy, and our support team will work with you until resolution.
Are there transfer limits?
Yes — limits depend on your verification tier and applicable regulations in both jurisdictions. Higher tiers unlock larger per-transfer and monthly volumes; you can view your live limits inside the app.
Ready to send money home — the modern way?
Open an account in minutes. No subscriptions, no hidden spreads, no waiting until Monday.