We’re excited to introduce the Chimoney App, designed to empower Canadians with simple, secure international transactions. With just an email address or phone number, users can send money to over 100 countries—making cross-border payments feel as easy as sending a text. Chimoney is one of Canada’s first companies to integrate with Interledger, enabling users to complete transactions on web monetization-enabled pages through the Chimoney App and receive payments from anyone online.

Key Features of the Chimoney App

• Global Money Transfers: The Chimoney App allows users to send money across borders simply by using the recipient's email address or phone number, removing the need for complex account details. This feature supports transactions to over 100 countries, making global transfers as easy as sending a text.

• Multi-Currency Wallets: Users can hold and manage balances in multiple currencies—specifically USD, CAD, and NGN. They can switch seamlessly between currencies, making it convenient for cross-border transactions without needing separate accounts for each currency.

• Flexible Payment Options: Recipients can choose how to receive funds, including bank transfers, mobile money, airtime, gift cards, or local options such as CAD withdrawals via Interac Email, NGN withdrawals to Nigerian bank accounts, and USD withdrawals to U.S. bank accounts.

• Universal Payment Links: Chimoney’s Universal Payment Requests enable users to request payments in CAD, USD, or NGN from specific email addresses directly through the app. Once a payment request is made, the payer receives an email with a secure payment link, which they can use to fulfill the payment. The requested amount is instantly credited to the requester’s Chimoney App wallet in the specified currency, providing a smooth and efficient transaction experience.

Designed to Support Canadians in Every Walk of Life

Everyday Canadians and Small Businesses

Chimoney recognizes the everyday challenges Canadians face, from rising costs to daily essentials. Designed to support hard-working Canadians and small businesses, Chimoney offers CAD bank accounts, simple payment solutions, and currency exchange services that make managing finances affordable and accessible. Whether sharing bills or sending funds internationally, Chimoney provides essential tools for economic stability.

Freelancers and Remote Workers

Canada’s freelance and remote talent requires reliable payment options. With Chimoney’s Universal Payment Links and multi-currency wallets, Canadian freelancers and remote workers can easily receive international payments, strengthening Canada’s role as a global talent hub.

International Students

For Canada’s diverse student community, Chimoney provides financial flexibility. Without needing additional bank accounts, international students can manage funds efficiently, allowing them to focus on academics and contribute meaningfully to Canadian society.

Canadian Associations and Community Groups

Chimoney proudly partners with Canadian associations and community organizations, offering tailored financial solutions and perks that support group finances and member engagement, making Chimoney a trusted choice for organizations across the country.

What Powers Chimoney App?

The Chimoney App is powered by the Chimoney API, which provides a secure and user-friendly payment experience through the Interledger Protocol (ILP). This integration not only simplifies global transactions but also equips Canadians with financial tools that bypass traditional banking obstacles.

Key API Features

• Multi-Currency Wallet Creation: When users sign up, multi-currency wallets are automatically created for them allowing them to manage balances across USD, CAD, and NGN within the Chimoney ecosystem.

• Issuing Interledger Wallet Addresses: Each user is assigned an Interledger wallet address, which allows them to receive payments directly through the link into their Chimoney App wallet.

• Multi-Currency Wallet Transfers: The Get Paid feature allows users to get paid when the sender clicks 'Pay Now'. The transfer of payment from the sender's wallet to the receiver's wallet is powered by the multi-currency wallet transfer endpoint which routes the payment through the Interledger network when 'send via Interledger' is enabled.

• Webhook Notifications: Chimoney sends webhook notifications to both parties involved in the payment process, confirming that the sender’s wallet is debited and the receiver’s wallet is credited.

Integrating with the Chimoney Interledger-Enabled API

1. Register for API Access: Start by signing up at sandbox.chimoney.io to obtain your API key.

2. Explore the Documentation: Our Chimoney API Documentation provides step-by-step guidance on creating multi-currency wallets, issuing Interledger wallet addresses, and managing wallet transfers.

3. Test and Deploy: Use our Sandbox environment for testing to ensure smooth integration before going live.

Get Started with Chimoney

For businesses seeking to explore how to integrate Chimoney App features using our API, book a demo with us today!. For more details about our mission to enable financial freedom, visit our website at chimoney.io.