Bless Payments
Super app to receive, convert, send, spend and invest money across borders.
Cross-border money movement without the hidden cost.
Bless delivers stability, speed and certainty for users moving money globally, in a single app with transparent costs.
Slow, expensive, opaque transfers
Migrants, travellers and freelancers face slow, expensive and opaque cross-border payments. They struggle with blocked transfers, hidden FX markups, compliance barriers and limited access to USD accounts. This costs them time, money, financial stability and trust, often delaying support to families and limiting economic opportunity.
Control in a single app
Users move money instantly, avoid hidden fees, access fair FX, spend globally and build wealth over time. The outcome is control in a single app, transparent costs, faster support for families and fewer blocked transactions.
A multi-market regulatory footprint
Bless's moat is its multi-market regulatory footprint, home-built core banking and remittance platforms, direct corridor bank connections, AI-driven compliance, and globally integrated partners across issuing, acquiring, FX and payouts, creating infrastructure, speed and reach competitors cannot match.
The market they are selling into.
Global flows exceed $156T, with a $2.3T segment Bless can penetrate. The first 24 months prove product-market fit: more than 7,700 customers (sign ups) and more than 2,200 paying customers (active), strong loyalty, falling CAC and rising ARPU. Expanding licences unlock global scale. Underserved corridors, rising digital wallets and global freelancers create the timing.
Technology and compliance
Bless is building its own multi-currency ledger, accounts and remittance engine. Payment gateway and card issuing are integrated with third parties. Compliance runs on AI-enabled CRA and transaction-monitoring rules with fraud controls. Bless operates under AUSTRAC, AFSL, FINTRAC, Revenu Québec and Bank of Canada regulation, and is preparing for UK s-EMI and US MTL licensing.
Current. Australia: AFSL for non-cash payments and FX (ASIC); Independent Remittance Dealer (AUSTRAC); and member of AFCA. Canada: Money Services Business (FINTRAC), Money Service Business (Revenu Quebec); and Payment Service provider (Bank of Canada).
Future. UK: s-EMI (FCA). US: MSB / MTL.
Transaction and commission revenue across Send, Spend and Global Accounts.
Percentage-based fees, diversified across product, vertical and market, with growing repeat ARR signals.
Partners covering issuing, accounts and payout rails.
Shaype and Visa
Power the payment gateway and card issuing, giving Bless instant issuing capability.
Currencycloud
Provides global multi-currency accounts.
Terrapay
Aggregates payout rails, giving broad payout coverage that accelerates scale and reach.
Affy Bhatti, Founder · LinkedIn | Mohamed Zaatar, Founder · LinkedIn | blesspayments.com
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