RemitFlow
A mobile-first cross-border remittance platform enabling Indian expatriates in the UAE to send money home in under 15 minutes using UPI, with transparent low-cost pricing.
At a Glance
Setting the stage
The UAE–India corridor is the largest remittance channel in the world, processing over $18 billion annually. More than 3.5 million Indian expatriates in the UAE depend on remittance services to support their families’ daily needs, medical expenses, and education.
Despite the scale of this corridor, existing remittance options are dominated by traditional money transfer operators and banks that charge high fees, rely on legacy infrastructure, and take 24–48 hours to settle transactions.
For blue-collar and mobile-only users in particular, these delays and hidden costs create financial stress and erode trust in formal remittance systems.
The challenge we faced
Most remittance services in the UAE–India corridor are slow, expensive, and opaque.
Users often face total transfer costs between 4–7%, driven by hidden FX margins and layered fees, while settlement times range from one to three days. This is especially painful for workers who remit monthly and depend on predictable delivery for essential household expenses.
Additionally, many digital platforms are not designed for mobile-only or low-bandwidth users, creating usability barriers for a large segment of the target population.
Success metrics
Our approach
The core strategy was to remove cost and speed inefficiencies by eliminating unnecessary intermediaries in the remittance flow.
We focused on direct UPI integration to enable instant beneficiary credit, a mobile-first product experience optimized for low digital literacy, and a transparent pricing model that clearly separates fees and FX rates.
By prioritizing operational efficiency and regulatory compliance from day one, the platform balances affordability for users with sustainable unit economics.
What we built
RemitFlow is a mobile-first remittance platform that enables near–real-time money transfers from the UAE to India by integrating directly with India’s UPI infrastructure.
By partnering with licensed money transfer operators in the UAE and UPI-enabled payment service providers in India, the platform delivers transfers in under 15 minutes at a transparent flat fee of 1.5%.
The experience is designed to be simple, fast, and trustworthy—showing users the exact amount their family will receive before confirming a transfer.
Measured outcomes
Featured designs
End-to-End User Journey Map
A comprehensive flow map outlining RemitFlow’s full product experience—from onboarding and KYC to sending money, wallet management, and recurring transfers—used to ensure consistency, reduce friction, and align cross-functional teams during design and development.
Unified Dashboard for Fast Access
The home dashboard gives users instant visibility into their total balance, recent activity, and primary actions like Send Money and Wallet—reducing time-to-action and supporting high-frequency usage.
Transparent Send Money Experience
The send money flow focuses on transparency and confidence by clearly separating sender input and recipient payout, showing real-time conversion values before confirmation to reduce anxiety and errors.
Multi-Currency Wallet Management
The wallet screen enables users to store, add, and convert funds across currencies, positioning RemitFlow as a persistent financial tool rather than a one-time remittance app.
What we learned
One key learning was that transparency builds trust more effectively than discounts alone. Users valued seeing the exact receive amount and delivery time upfront, even more than promotional pricing.
We also learned that speed becomes most critical during emergencies, reinforcing the importance of predictable transfer SLAs rather than “best effort” delivery.
Finally, designing for mobile-only usage and low bandwidth environments significantly improved adoption among blue-collar workers compared to feature-heavy competitor apps.