Tchotcho Pay combines USDC on Base, a Visa Debit card, money transfer, and a Haitian marketplace — into one platform for 3M+ diaspora members sending $3.8B home every year.
Sending money to Haiti costs 3× more than it should. Existing services are slow, expensive, and built for a different era.
Haiti is one of the most remittance-dependent economies in the world. Remittances make up over 20% of GDP — yet the infrastructure is still offline, expensive, and fragmented.
We're not just a remittance company. We're building the complete financial OS for the Haitian diaspora and the people they support back home.
Send USD from the US, Canada, or France. Recipient gets USDC in Haiti in under 60 seconds. Fees under 3%.
Every user holds a USDC wallet on Base. Stable, dollar-pegged savings that are immune to HTG inflation.
Virtual card available now. Physical card in production. Spend USDC anywhere Visa is accepted — including Apple Pay and Google Pay.
Pay for electricity, phone top-ups, school fees, food, and local merchants directly in USDC — no cash needed.
Send to friends and family by username, phone number, or QR code. P2P transfers inside Tchotcho Pay are free.
Withdraw to a local Haitian bank account, through our agent network, or convert to HTG. Flexibility where it matters most.
We're building on proven fintech rails — not reinventing the wheel. This lets us move fast, stay compliant, and scale without building a bank from scratch.
Powers our USDC wallets on Base blockchain. Handles USD → USDC conversion, cross-border settlement, and stablecoin custody. Near-instant, low-cost, 24/7.
Accepts debit, credit, and ACH deposits. Stripe Issuing powers our virtual and physical Visa Debit cards. One integration, two critical layers covered.
Instant bank account verification for ACH deposits. Users link their US bank account securely in minutes — no micro-deposit delays.
Banking-as-a-Service layer providing FDIC-insured accounts, KYC/AML compliance, account ledgering, and regulatory coverage — no banking license required to launch.
Layer 2 Ethereum network with ~$0.01 transaction fees and sub-second finality. USDC on Base is the backbone of every transfer and wallet on Tchotcho Pay.
Partnership with MonCash (Digicel) for nationwide cash-out reach, supplemented by our own trained agent network in key Haitian cities.
We make money when users transact — aligned incentives from day one.
Charged when users load funds via debit or credit card. Standard for fintech deposit products. Highest volume stream.
Charged when recipients withdraw to a local Haitian bank or through our agent network. Low friction, high frequency.
Charged to marketplace merchants when customers pay with USDC. Standard interchange model — merchants pay, users don't.
Small spread on USD ↔ HTG conversions at cash-out. Transparent to users, meaningful at scale.
Infrastructure-first approach: compliance and banking rails before growth. Every phase unlocks the next.
Website live, waitlist collecting, brand identity complete, Visa card design finalized, SEO and social media kit ready.
Onboard Unit/Synctera for banking compliance, integrate Bridge for USDC/Base, integrate Stripe Payments and Plaid ACH. Begin KYC/AML flow build.
Invite-only launch for waitlist users. US → Haiti transfers live. USDC wallets active. Virtual Visa card issued. Agent onboarding begins in Haiti.
Open to all users. Haitian marketplace live (top-up, bill pay, merchants). Canada and France corridors added. Physical card production begins.
Physical Visa card shipped. Premium accounts launched. B2B merchant tools. Expansion into Dominican Republic, Jamaica, and other Caribbean corridors.
We haven't launched a single transaction yet — and already have a growing community waiting for us.
"The Haitian diaspora sends billions home every year, paying fees that quietly drain family incomes. We built Tchotcho Pay because we know this community personally — and we know they deserve better."
— Tchotcho Pay Founding Team
Interested in investing or partnering with Tchotcho Pay? Send us a message and we'll follow up within 24 hours.