Phoenix-Atlas Technologies is building a fiat-first cross-border remittance app called Vaulted, backed by a self-custody crypto wallet. Fund with card, Apple Pay, Google Pay or bank transfer — you don’t need to own crypto to send. Send UK/EU → Africa in seconds, and from Q4 2026 Africa → UK/EU for school fees and medical bills. Currently in waitlist mode ahead of FCA authorization.
Watch the 3-min explainer → · Investor or payment-bank partner? Get the reverse-corridor one-pager (PDF) or book a 20-min call →
Fiat-first UX. Enter pounds, dollars or euros — recipient gets their local currency. Vaulted will auto-pick the cheapest chain (XLM, XRP, or USDC on Polygon / Base / Arbitrum) so you never pay Ethereum L1 gas. Four East / Central African rails (Kenya, Ghana, Tanzania, Zambia) already return live rates from our off-ramp partner’s sandbox; the remaining seven come online as we complete their local licensing. Amounts below are illustrative examples, not live quotes.
Illustrative amounts only — not a live quote and not a promise of execution. FX examples are refreshed periodically from open exchange rate feeds. Fees shown are the target Vaulted service fee at £50; Vault Pro is planned to cut that by 50%. Off-ramp partners (M-Pesa, MoMo, Wave, UPI) are in integration; live availability is contingent on partner go-live and applicable authorizations.
Diaspora families in the UK aren’t the only ones with cross-border payments to make. Parents in Lagos paying UK tuition. Families in Nairobi covering medical treatment in London. Businesses in Accra paying Irish suppliers. Vaulted’s reverse corridor lets you send from Nigeria, Kenya, Ghana or South Africa to GBP or EUR in about two minutes — using regulated stablecoin rails, not SWIFT. Live rate quotes today, GBP settlement launches in Phase 2.
Illustrative estimates only — based on live on-ramp partner sandbox rates + open exchange feed. Reverse settlement to GBP / EUR requires our UK Payment Service Provider integration (Phase 2). Join the reverse-corridor waitlist below to lock in launch-window pricing (planned 50% off Vaulted fees for early joiners).
Vaulted unifies remittance, self-custody, and encrypted communication in one app. No middlemen. No exit fees. No data harvesting.
Send GBP, USD, or EUR to 8 planned countries. Vaulted will quote real-time FX and auto-pick the cheapest chain (XLM · XRP · USDC L2). Target fees from £0.50 once live.
Private keys are generated on-device and never leave your control. Six chains: BTC, ETH, USDC (Ethereum + Polygon + Base + Arbitrum), SOL, XLM, XRP.
Conversations are encrypted with TweetNaCl on your device. Even our servers see only ciphertext. Group chats included on Vault Pro.
WebRTC-powered calls with end-to-end media encryption. Talk to family in the corridor country before you send.
Require co-signer approval for large transactions. Add a trusted partner, accountant, or yourself on a second device.
You don’t need to own crypto to send money. Fund with card, Apple Pay, Google Pay or bank transfer — Vaulted handles the chain in the middle. Recipients get local currency to M-Pesa, mobile-money or bank.
The flow below describes Vaulted’s planned end-to-end experience once we’re live. New to crypto? You never have to touch it — fund with a card, Apple Pay or bank transfer, and we’ll do the rest. Crypto-native? Send USDC, XLM, XRP or SOL from any wallet and skip the fiat rails entirely.
Sign up in under a minute. We generate a 12-word recovery phrase on your device — write it down somewhere safe. It never touches our servers.
New to crypto? Top up with a debit card, Apple Pay, Google Pay, or a UK bank transfer — pounds in, pounds available. Crypto-native? Send USDC, BTC, ETH, SOL, XLM or XRP straight to your Vaulted address (one 0x covers every EVM chain).
Pick a country → enter pounds → confirm. Vaulted will auto-pick the cheapest chain and settle in ~5–30 seconds. Recipient gets local currency to M-Pesa, mobile-money or bank. Target fees from £0.50. Live once authorized.
Three archetypes of the UK diaspora Vaulted is designed to serve. Some are crypto-curious. Most just want their money to arrive faster and cheaper than the last time.
Every month I send £300 to my mum in Nairobi. The agent takes 3%. Wise is fine but I still wait 20 minutes wondering if it landed. I don’t care how it moves — I care that it’s there before I hang up the phone.
I already hold USDC on Base. Right now sending it to my brother means bridging, cashing out on a local exchange, then bank-transferring. That’s four steps and a full afternoon. I want one tap.
My father was hospitalised last winter. My family needed money in the account by the morning. Remitly Economy was three days; Express cost triple. I don’t want to make that choice again.
These are illustrative personas of the diaspora communities Vaulted is being built for, not testimonials from live customers. Fees, settlement times and corridors reflect planned launch targets and will only be available once Vaulted is FCA-authorized.
Vaulted’s planned launch pricing next to today’s alternatives for a £50 send to any of our four African mobile-money corridors (Kenya, Ghana, Tanzania, Zambia). Competitor figures are drawn from public rate cards as of July 2026 and can change — check their sites before comparing.
| Feature | Vaulted PLANNED LAUNCH | Wise | Remitly | Crypto exchange route |
|---|---|---|---|---|
| Typical fee for a £50 send (East Africa mobile money) |
Target from £0.50 | £0.70–£1.50 | £1.99–£3.99 | £3–£10+ (multi-step) |
| Typical settlement to mobile money (M-Pesa · MoMo · Vodacom · Airtel) |
Target ~30 seconds | Minutes to hours | Minutes (Express) · 3–5 days (Economy) | Hours (exchange withdrawal + off-ramp) |
| FX rate | Mid-market + transparent margin | Mid-market + transparent margin | Marked-up spread (varies) | Marked-up spread + slippage |
| Fund with fiat (card · Apple Pay · Google Pay · bank) |
Yes | Yes | Yes | On the exchange, not the send |
| Fund with crypto directly | Yes · USDC / BTC / ETH / SOL / XLM / XRP | No | No | Yes |
| Self-custody (your keys, your money) |
Yes · balances live on-chain | No · custodial | No · custodial | No · while on exchange |
| Encrypted chat with recipient | Yes · end-to-end encrypted | No | No | No |
| Planned corridors | 4 African rails live in sandbox (KE, GH, TZ, ZM) · 7 more in build (UG, NG, CI, SN, IN, PH, MX) | 80+ countries | 170+ countries | Anywhere you can find a local off-ramp |
| UK regulatory status | In build · pre-authorization | FCA-authorized (EMI) | FCA-authorized (API) | Varies by exchange |
Fees quoted are typical retail rates for a £50 send from GBP to mobile-money accounts across our four live-rate African corridors (Kenya M-Pesa, Ghana MoMo, Tanzania Vodacom/Airtel/Tigo, Zambia MTN/Airtel), as advertised on each provider’s public rate card in July 2026. Actual fees, FX margins, and settlement times vary by day, corridor, funding method, and account type. Vaulted’s figures are planned launch targets and subject to change; live pricing will only be available once FCA-authorized. Comparisons are for illustrative purposes only and do not constitute an endorsement or criticism of any other service.
The pricing below reflects our planned launch structure. The free tier will cover the vast majority of retail users; Vault Pro is for power users who need unlimited sends, halved fees, multi-sig wallets, and group chat.
Break-even in ~13 sends per month. Cancel anytime from your Stripe portal.
We’ll invite you to preview Vaulted as soon as authorized services in your corridor go live. No card required. No spam. One email when we launch.
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Prefer to see the app in preview mode first? Preview the app →
A one-page PDF with the full waterfall: what a £1,000 send from Africa to the UK actually costs, what Vaulted keeps, and what we’re raising / offering as a white-label to African payment banks. Real live-rate corridors (Kenya & South Africa) already running today.
Open on YouTube → · Best watched with sound on. 3 minutes.
Or grab the PDF first ↓