Japan, 2026.
From Japan to the Philippines for just 1.1% flat — while the industry charges an average of 9.6%. Fund at any konbini, 24/7.
Sending money home — in minutes.
From topping up at your local konbini to your family receiving cash — every step is built for the reality of working abroad.
Pay cash at any 7-Eleven, Lawson, or FamilyMart — 24/7, no bank account required. No queues, no forms.
See exactly what your family receives before you confirm. Live exchange rate. One flat fee of 1.1%. No hidden charges.
GCash, Maya, any bank account, or cash pickup at Cebuana, Palawan, or M Lhuillier. However they need it.
Japan convenience network.
56,000+No Japanese bank account needed. Top up at 7-Eleven, Lawson, or FamilyMart — open 24/7, in every neighborhood.
Kapwa generates your payment code.
7-Eleven, Lawson, or FamilyMart.
Loppi at Lawson/FamilyMart, cashier at 7-Eleven.
Yen only. No card needed.
Money on its way in minutes.
38 million Filipinos are unbanked. Cash pickup is a first-class delivery method at Kapwa — never an afterthought.
Instant delivery to your recipient's GCash account. 24/7, no bank account needed.
Send directly to Maya. Instant delivery, easy cash-out at partner outlets nationwide.
Direct transfer to any Philippine bank via InstaPay or PESONet — BDO, BPI, Metrobank and more.
Pickup at thousands of Cebuana, Palawan, and M Lhuillier locations — wherever your family lives.
Drag the slider, type any amount — and watch exactly how much more reaches your family with Kapwa. On a ¥50,000 transfer, the gap between 1.1% and 9.6% is over ¥4,200. Every month. That money belongs to your family.
Security & trust.
Kapwa is built on institutional-grade infrastructure used by some of the world's largest financial institutions.
Protected by Fireblocks MPC technology — the same infrastructure used by major banks and regulated exchanges worldwide.
Fireblocks MPCSumsub-powered KYC verified to global AML standards — protecting you and your family from fraud.
Sumsub KYCPHPA — 100% Philippine-peso-backed stablecoin. One PHPA always equals one peso. No speculation, no volatility.
PHPA stablecoinLaunching in Japan first. Every major OFW corridor is on the roadmap. Wherever you work, your family deserves the best rate home.
Our mission.
"Built by Filipinos who have lived the OFW experience."
— The Kapwa Team
We know what it costs to work far from the people you love most. We know the weight of every transfer — not just in fees, but in what it represents. Kapwa is a Filipino word meaning shared humanity. We built this wallet because OFWs have been overcharged for too long, and every peso that disappears in fees is a peso that should have reached your family.
No exchange rate markup. No surprise charges. The price you see is what you pay.
38 million Filipinos are unbanked. Cash pickup is a first-class method, not an afterthought.
Fireblocks MPC. Sumsub KYC. Because every transfer represents someone's sacrifice.
Still have questions? Email us at hello@kapwa.ph — we read every message.
Join the waitlist. We'll notify you the moment Kapwa launches in your corridor.
No spam. One email when we go live in your corridor.
Get in touch
Partnerships, press, or support — send us a message and we'll get back to you.