# RemittancePulse

> Global remittance intelligence API. 8 endpoints: corridor analysis, provider comparison (true total cost including FX markup), live ECB FX rate vs provider markup, receive-country guides, mobile money ecosystem, KYC/AML compliance, industry news, and diaspora community intelligence. $800B in annual flows. Pay-per-query via x402 on Base.

A $0 fee transfer can cost $23 more than a $5 fee transfer if the exchange rate is marked up. RemittancePulse exposes the real cost so every dollar reaches its destination.

## Payment

All endpoints require x402 micropayment (USDC on Base mainnet).
Protocol: x402 | Network: eip155:8453 | Asset: USDC
Payment address: 0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc

## Endpoints

GET /api/remit/corridor?from={country}&to={country}
- Best providers, fees, exchange rates, and receive options for any send corridor
- Returns: corridor (annual flow, World Bank benchmark cost), top_providers (fee/markup/recipient_gets/delivery_speed/receive_methods), best_picks (lowest_cost/fastest/cash_pickup/mobile), receive_options_in_destination, mid_market_rate_context, corridor_specific_tips, regulatory_notes
- Required: from, to. Optional: amount, lang
- Price: $0.08

GET /api/remit/compare?from={country}&to={country}&amount={amount}
- Side-by-side provider comparison — exact recipient amount and true total cost for each
- Returns: comparison_summary (mid_market_rate), providers (fee/rate_markup/recipient_gets/total_cost_percent/delivery_options), ranking (by_total_cost/by_speed/by_recipient_amount), best_for (value/speed/cash/large/first_time), hidden_fee_analysis, pro_tips
- Required: from, to. Optional: amount (default 500), from_currency, to_currency, lang
- Live ECB rate included as meta.mid_market_rate in response
- Price: $0.10

GET /api/remit/rate?from_currency={code}&to_currency={code}
- Live ECB mid-market rate + provider markup analysis
- Returns: currency_pair (with live rate from Frankfurter/ECB), provider_rate_estimates (rate/markup_percent/cost_of_markup per provider), rate_analysis (best/worst/saving), currency_context (volatility/trend/drivers), amount_calculator (on 100/500/1000)
- Required: from_currency (or 'from'), to_currency (or 'to'). Optional: amount, lang
- Live ECB rate returned in live_rate field: { from, to, rate, date, source }
- Price: $0.05

GET /api/remit/receive?country={country}
- Receiving-country guide — how recipients can access their money
- Returns: receive_methods (bank/cash/mobile/wallet with platform specifics), mobile_money_ecosystem (dominant platforms with receive-from-abroad instructions), cash_pickup_networks, banking_infrastructure (banked %, major banks), practical_tips, country_facts (remittance as % GDP, annual inflow, top source countries)
- Required: country. Optional: method (bank|cash|mobile|wallet), lang
- Price: $0.08

GET /api/remit/mobile?country={country}
- Mobile money ecosystem intelligence by country or region
- Returns: platforms (user counts/receive_from_abroad partners/cashout/fees/USSD), regional_landscape (East/West/Southern Africa, South/Southeast Asia, LatAm, Middle East), interoperability_progress, for_senders (which international providers plug into each platform)
- At least one of country, region, or platform required
- Covers: M-Pesa, GCash, bKash, MTN MoMo, Airtel Money, Wave, OPay, STC Pay, Nequi, Yape, Wing, and more
- Price: $0.08

GET /api/remit/compliance?from={country}
- KYC/AML compliance intelligence for sending money internationally
- Returns: send_country_requirements (regulator/KYC_tiers/CTR_threshold/$10k reporting), receive_country_requirements (limits/currency rules), aml_flags_to_avoid (structuring warning), corridor_specific_alerts (sanctions/FATF status), documentation_checklist, business_remittances
- Required: from. Optional: to, amount, purpose, lang
- Critical: structuring (splitting to avoid $10k reporting) is a federal crime in the US — flagged prominently
- Price: $0.10

GET /api/remit/news
- Remittance industry news and regulatory intelligence
- Returns: headline_stories, regulatory_updates (FATF/sanctions), provider_news (launches/fee_cuts/disruptions), market_intelligence (fee trends/SDG progress), technology_developments (stablecoin/CBDC/blockchain rails), corridor_specific_alerts, upcoming_events (holiday volume spikes)
- All params optional: from, to, topic (regulatory|providers|fees|technology|all), lang
- Price: $0.08

GET /api/remit/diaspora?community={community}
- Community-specific remittance intelligence
- Returns: community_profile (size/volume/top_corridors), preferred_providers (with why popular), cultural_context (sending_occasions with volume spikes/family obligations/trust factors), optimized_strategies (by sender profile), community_specific_risks, financial_empowerment (beyond remittances)
- Required: community (e.g. Filipino, Indian, Mexican, Nigerian, Pakistani, Bangladeshi)
- Optional: sending_from (country sending from), lang
- Key insight: Filipino Christmas remittances spike 40%; Gulf Eid remittances to Pakistan/Bangladesh spike 60%+
- Price: $0.10

## Data Sources

- Frankfurter API — ECB mid-market FX rates, free, no key, updated daily
- World Bank Remittance Prices Worldwide — quarterly corridor cost benchmarks
- GSMA Mobile Money data — global mobile money statistics
- Tavily — real-time provider rates, news, and corridor intelligence
- Claude Sonnet — synthesis, comparison, and structured intelligence generation

## Key Facts for Agents

- /rate is the cheapest entry point ($0.05) — always show mid-market vs provider markup
- /compare returns live ECB rate in meta.mid_market_rate field — use for calculations
- /corridor is the most comprehensive single call for any corridor
- /diaspora is high-value for community-focused apps — cultural nuance is the differentiator
- All endpoints support ?lang= — Filipino (tl), Hindi (hi), Spanish (es), Arabic (ar), etc.
- Structuring warning in /compliance is legally important — never omit

## Agent Workflow Examples

- Find cheapest: /rate → /corridor → /compare
- New sender: /compliance (KYC needs) → /corridor (options) → /receive (recipient setup)
- Mobile money: /mobile (destination) → /corridor (providers supporting it)
- Community app: /diaspora → /corridor → /receive
- Monitoring: /news → /corridor → /compliance

## Disclaimer

Rates and fees change in real time. Always verify current rates directly with providers before sending. This is informational intelligence only, not financial advice.