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This month, we've introduced several exciting new features and improvements to enhance your experience and make managing transactions even more seamless. Below, you’ll find a detailed breakdown of the latest additions, fixes, and updates.

## New Features

- **Added the `Issue Interledger Wallet Address to a User`**: This feature allows the issuance of Interledger Wallet Addresses to users through their `userID` and `ilpUsername`. [View the update here](https://chimoney.readme.io/reference/post_v0-2-accounts-issue-wallet-address).

- **Easier access to statements**: Accessing statements is now more user-friendly! You can view and download statements with pre-filled date ranges based on your URL parameters (`from`, `to`).
![september.png](/uploads/september_8bfdf9dc23.png)

- **Subaccount tab on Transactions page**: We’ve added a new Subaccount tab on the Transactions page, allowing users to easily view transactions initiated from subaccounts.
![sub accounts.png](/uploads/sub_accounts_79b46c1cfe.png)

- **Sub-account spending management**: A new feature has been added to help monitor and manage sub-account spending. This feature provides insights into weekly spending activity compared to allowed limits.

## Updates

- **Transaction Analytics improvements**: We’ve improved the Transaction Analytics page, adding more efficient currency switching via the new Currency Toggle Button. Additionally, "USD" is now the default when the selected currency is unavailable.
![sub accounts (1).png](/uploads/sub_accounts_1_c6b8b94c55.png)

- **Crypto wallet addresses**: We’ve added support for issuing crypto wallet addresses to users. Admins can now enable this feature, which automatically assigns and saves a wallet address to the user's profile with they can view [here](https://dash.chimoney.io/identity/profile/crypto).

- **Optional walletID for payment requests**: We’ve introduced `walletID` as an optional parameter when initiating a payment. For more details, refer to the [initiating a payment request endpoint](https://chimoney.readme.io/reference/post_v0-2-payment-initiate-1).

## Fixes

- **Duplicate organization entries**: We fixed an issue where users were seeing duplicate entries of their organizations.


Discover the latest features, updates and fixes in our September Changelog

September Changelog

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From the bustling streets of Nigeria to the heart of Canada's tech hubs, here's how Chimoney is set to change the financial world, backed by Techstars. 🚀🌟

I am excited to share that we're now backed by [Techstars](https://www.techstars.com/portfolio?q=chimoney), one of the world's most renowned startup accelerators!

But how did we get here? What are we doing right now? And where are we doing?

At the heart of every invention lies a story, often deeply personal and rooted in real-world challenges. My journey with Chimoney is no different. When I first conceived the idea of Chimoney, it was more than just another fintech venture. It was a vision - a dream to connect every payment network globally, ensuring seamless fund flow to anyone, anywhere, regardless of currency, country, or financial status. Today, as I sit down to write about this significant milestone in Chimoney's journey, I'm overwhelmed with a whirlwind of emotions, gratitude and excitement, and memories.

&nbsp;
## From Nigeria to Canada: A Dream, A Struggle

My journey into the world of fintech was not just a mere business endeavor. It was personal.  Growing up in Nigeria, I've seen the challenges people face when making cross-border transactions or simply trying to get paid for their hard work. The barriers, the delays, the fees - it seemed so unnecessarily complicated. 

Moving from Nigeria to the snowy landscapes of Canada was a decision fueled by dreams of a brighter future. The UofS promised a world of opportunities. But those dreams were soon clouded by the harsh realities of financial struggles, an outcome of government instability back home. Each day became a race against time, with the looming threat of unpaid tuition and a [jeopardized student visa status and deportation.](https://medium.com/@uchi/i-could-not-pay-my-tuition-and-i-almost-dropped-out-of-university-79fdb54414)

Yet, amidst this chaos, the dream persisted. Through sheer determination and countless hours of hard work, I not only graduated but went on to contribute to tech giants like Shopify, RBC, and IBM Canada. Success in the corporate world, however, didn't mean the end of my journey; it was just the beginning. Today marks the beginnings of another new beginning for Chimoney!

&nbsp;
## The Birth of Chimoney
Inspired by the zeal to give back and create a community to connect ambitious Africans to tech opportunities globally, I founded AfricaHacks, a platform nurturing innovation and entrepreneurship among African youth. But an all too familiar challenge resurfaced. Paying winners spread across Africa and in 10 other nations became a painstaking task, echoing the financial challenges I faced years ago.

This obstacle, ironically, became the inception of Chimoney. A platform designed not just as a business but as a solution to a problem millions face daily.

&nbsp;
## What Sets Chimoney Apart
In a world teeming with fintechs, what sets Chimoney apart? What sets Chimoney apart is not just its audacious vision but also its proven capability. Our system is designed to manage high-volume payouts across countries, geographies, and payment networks, ensuring businesses can trust us for their most demanding payment needs. Our unwavering commitment to creating a platform free from regulatory risks. Imagine a world where businesses could send money globally using just an email or phone number. A world where recipients, irrespective of where they are, can access their funds seamlessly, cashing out through banks, mobile money, airtime, crypto and more.

The global payments ecosystem is vast, with trillions flowing cross-border annually. As businesses expand their horizons and remote work embeds itself in our culture, the quest for straightforward, secure global payouts is more relevant than ever. Chimoney taps into this immense potential, offering a solution that's both innovative and intuitive.

Yet, every innovation comes with its set of challenges. In the fintech world, it's the intricate labyrinth of regulations and the ever-present foreign exchange risks. But, Chimoney turned these challenges into opportunities. By forging alliances with local entities globally, we ensure adherence to regional regulations, simultaneously leveraging local expertise to mitigate foreign exchange risks. This local-global approach ensures our users experience unparalleled convenience without the usual hassles.

Our vision goes beyond just transactions; we aim to seamlessly facilite the flow of funds, ensuring businesses can trust us as the ONE PLATFORM with their high-volume payout needs across all countries, geographies and payment networks with security, and compliance priortized.

**Today, Chimoney’s solutions are tailored for:**
- Global businesses trying to remunerate remote teams, contractors, affilaites and community members.
- Reward platforms aiming to simplify payouts and reward redemption.
- Gig economy platforms trying to streamline payments.
- And any business that values the power of truly global transactions.

With the global payouts market expanding rapidly, Chimoney offers an unmatched solution that promises not just social impact but a robust business model.

Are you a business looking to simplify your global payouts? [Discover how Chimoney can revolutionize your payment processes.](https://chimoney.io/blogs/on-building-a-network-of-payment-networks-at-chimoney)


[![Chimoney - Homepageimage_.png](/uploads/Chimoney_Homepageimage_3d7827b4b0.png)](http://chimoney.io/)

&nbsp;
## How Chimoney works

With Chimoney, anyone can [send bulk payouts](https://chimoney.io/payouts) to emails or phone numbers with just a few clicks. There's no need to collect complicated bank details. Whether you need to pay one person or a million people, we've got you covered.

The process is essentially the same, and our users can send bulk payments to a global audience, saving them a lot of time and headaches. Efficiency is at the core of what we do. We're here to streamline the process, eliminate the hurdles, and make financial transactions a breeze.

In a world where traditional banking systems can be slow, expensive, and exclusionary, Chimoney offers a refreshing alternative.

We also provide other fintechs with access to our Chimoney APIs, giving them a chance to scale without breaking the bank and supercharge their growth to effectively serve their markets. Our support for these startups allows them to access Chimoney’s partner perks and discounts, send global payouts, convert payments from multiple currencies, and cash out to bank accounts, mobile money, 300+ gift cards, and airtime in 15 currencies while earning profit – all this with our 24/7 dedicated support.

At Chimoney, we believe that by uplifting others, we have a greater chance to achieve our mission of unlocking economic opportunity for everyone.

&nbsp;
## Chimoney x Techstars: A Match Made in Startup Heaven

Our alignment with Techstars is a testament to our vision and the potential they see in Chimoney. Techstars is renowned for nurturing startups, providing mentorship, investment, and resources that propel startups to new heights of success. The program aligns seamlessly with our vision of simplifying global payments and fostering financial and economic empowerment.

As we embark on this new chapter, our commitment remains unwavering: to revolutionize global payouts, making them as simple as sending an email.


Our acceptance into Techstars Toronto is a validation of our vision and the impact we're making. We're excited to work with Techstars to accelerate our growth and further our mission of financial inclusion.


&nbsp;
### Why Techstars?

Techstars, with its proven track record of nurturing startups into industry-leading giants, resonated with our mission. Their faith in our vision is not just about funds; it's a testament to the potential they see in us. It's about collaboration, growth, and pioneering innovations. When you think of top companies emerging from accelerators, Techstars always makes the list, often debated alongside names like Y Combinator.

[![Uchi Uchibeke, Sunil Sharma at IDEA.jpeg](/uploads/Uchi_Uchibeke_Sunil_Sharma_at_IDEA_971ab730e0.jpeg)](https://www.linkedin.com/feed/update/urn:li:activity:7082342164264878080?utm_source=share&utm_medium=member_desktop)
_Vinay Paramanand, City of Mississauga, Ontario, Sunil Sharma, Managing Director, Techstars Toronto with Uchi Uchibeke, CEO, Chimoney_

&nbsp;
## A Personal Note from Uchi

As I reflect on this significant milestone, I'm reminded of the African Proverb quote “If you want to go fast, go alone, if you want to go far, go together”. This journey, from conceptualizing Chimoney to now partnering with Techstars, has been filled with challenges and triumphs. But the consistent thread through it all has been the unwavering support from our users, our team, and believers in our vision. And we are constantly looking to collaborate and form strategic partnerships that align with our mission and propel us to new heights.

To our potential partners and clients, I invite you to experience the Chimoney difference. Let's redefine global payouts together.

And to our users, partners, and every individual who's been a cornerstone in our journey, a heartfelt thank you. The future of global payouts is here, and together, we're writing its story!

&nbsp;
## The Road Ahead

At Chimoney, we believe in a world without financial borders. With Techstars by our side, we're gearing up for rapid growth and innovation. We'll be diving deeper into research, refining our offerings, and expanding our reach. For our B2B clients, this means even more robust, reliable, and efficient global payout solutions. It's about ensuring that no matter where your team or clients are, Chimoney has got you covered.

We are also actively exploring strategic collaborations to accelerate our trajectory and make global payouts even more accessible.

&nbsp;
## Connect with Chimoney?

- Want to stay connected with all the updates and news from Chimoney?
- You can join the [Chimoney community](https://discord.gg/Q3peDrPG95) and subscribe to our [monthly newsletter](https://chimoney.substack.com/). 
- You can also connect with us on social via our [LinkedIn](https://www.linkedin.com/company/chimoney/) and [Twitter](https://twitter.com/home) pages.


Experience the future of payments - [Book a demo Now](https://chimoney.io/payouts?book_a_demo=1)!

---


Chimoney's partnership with Techstars marks a turning point in global payments, working towards economic empowerment for all. Discover how we're simplifying finance and fostering inclusion.

Techstars backs Chimoney to Revolutionize Global Payouts

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## Introduction
[Chimoney](http://chimoney.io/) is thrilled to announce our integration partnership with the [Interledger Foundation](https://community.interledger.org/interledger/announcing-ilfs-newest-grantee-chimoney-1fn). By integrating the Interledger Protocol (ILP) into our [Wallet](https://chimoney.io/wallet-as-a-service) and Infrastructure, we're pioneering a new era of financial inclusion and empowerment.


At Chimoney, our conviction is clear: [Financial inclusion and economic empowerment are fundamental human rights](https://chimoney.io/blogs/financial-inclusion-is-dead-welcome-economic-empowerment). Yet, countless individuals across the globe still face barriers to these rights. This drives us to innovate, to break down these barriers, and our latest collaboration with the Interledger Foundation (ILF), backed by the 2023 ILP-enabled Financial Services grant, is a testament to this commitment.

&nbsp;

## Financial Empowerment: A Right, Not a Privilege

We stand firm on a mission to democratize economic opportunities for everyone, irrespective of their location or background. For us, financial services shouldn't be a privilege — they should be universally accessible. In this partnership to integrate interledger and connect disconnected payment systems to global payout rails, we're taking a monumental step toward realizing this vision.

&nbsp;

## A World Without Borders: Why Interledger?
In a nutshell? It's the future. Interledger isn't just another addition to the fintech jargon. It’s the TCP/IP for money. It's about connecting diverse financial ecosystems, from the traditional to the novel, like blockchains.

And with the integration of the Interledger protocol, Chimoney will be able to bring Bank cash out, Mobile Money, Airtime, Gift Cards, and more, into the expansive Interledger ecosystem.

&nbsp;

## The Partnership in Action: Expanding Financial Access
Our Integration starts with a Research Phase, ensuring every step is robust and impactful. This collaboration promises seamless cross-border transactions and extended financial access. Notably, the integration of Rafiki capabilities into Chimoney Wallets offers a seamless transition between financial touchpoints. Through several phases of the collaboration, here's a snapshot of our planned milestones:

- Deployment of [Rafiki](https://github.com/interledger/rafiki) Infrastructure within Chimoney.
- P2P transfers enabled for Chimoney Wallets via Interledger Payment Pointers.
- Integration of [Web Monetization](https://webmonetization.org/docs/) capabilities within Chimoney Wallets.
- Holistic payment experiences through strategic pairings with Interledger providers.

&nbsp;

## For Chimoney’s Network: More Power, More Possibilities
Simply put more power to you. Whether you're a partner or a client, expect accelerated [global payouts](https://chimoney.io/payouts), more cash-out avenues, and seamless integration through other Interledger-enabled Financial service providers, all thanks to our enhanced Interledger capabilities. And with Chimoney’s API, integration has never been smoother. Every Chimoney Wallet, through our Wallet as a Service infrastructure, will be empowered with Interledger capabilities.

&nbsp;

## What’s next?
Our vision is clear: A world where financial empowerment is tangible and real. This partnership signifies more than just an upgrade in services; it's a statement of our unwavering commitment to innovation. And the best part? We'll be showcasing our integration at the upcoming [Interledger Summit](https://interledger.org/summit) in Costa Rica.

&nbsp;

## Join Our Movement:
**Interledger Community:** This is just the start. Together, we can accelerate ILP adoption and redefine payment systems for the better. Register to meet us at the [Interledger Summit](https://interledger.org/summit).

**Potential Partners and Clients:** We're more than a [payout platform](https://chimoney.io/payouts); we're a revolution. If you're a business or an Fintech keen on being part of this transformation by using Chimoney's platform or API, let's connect. [Book a demo](https://chimoney.io/book-a-demo) with Chimoney.

**To Our Supporters:** Stay updated with our progress by following us on [Twitter](https://twitter.com/chimoney_io), [LinkedIn](https://www.linkedin.com/company/chimoney), and Facebook. With Chimoney and Interledger, we're not just connecting the world; we're empowering it.


Discover how Chimoney's integration of the Interledger Protocol will revolutionize cross-border payments and expand financial access worldwide.

Chimoney & Interledger: Bridging Global Payment Systems for the Future

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**tl.dr:** _Chimoney is proud to announce the acquisition of the Scrim App, a social payment app built for Gen Z. Scrim's unique features, designed to send payment to social handles and DMs caught the attention of Uchi, Chimoney's CEO. The Scrim App will be relaunched in December 2023 with enhanced features powered from the ground up by Chimoney's API and Wallet as a Service (Waas)._

---

We're excited to share that we have acquired the Scrim App, a forward-thinking social Payments App that enables you to send Payments to social handles and DMs (Direct Messages).

## What this means for Scrim and Chimoney users
- **Pay to Emails and Phones:** _Scrim by Chimoney_ will enable you to pay anyone in the world using just their email or phone number
- **Launch Fintechs Fast:** Scrim is a live product that uses Chimoney’s infrastructure and API for Global Payments, Rimittance and Rewards. This showcases how other Startups and Developers can use Chimoney’s Infrastructure and API
- **Earn when you Spend:** Users on Scrim earn for purchases made on the Scrim App

[![Scrim by Chimoney Banner](/uploads/new_phones_246d7d15_777572ea41.png)](https://scrim.ai/)

&nbsp;

## A Perfect Match: Scrim's Innovative Journey
Scrim is the brainchild of Pleasant Balogun, who serves as the company's CEO and CTO. Pleasant founded Scrim at age 17 and have infused elements of the new generation (Gen Z) into the design, marketing and promotion of the App. Pleasant and his dynamic team initially designed the Scrim app as a social payment App powered by Chimoney’s API and Wallet Infrastructure, which  allows users to send money to individuals through their social media handles. It quickly garnered attention, both from the public and the Chimoney team and Uchi Uchibeke, Chimoney’s founder have collaborated with Pleasant since the inception of Scrim.
&nbsp;

## Joining Forces for a Brighter Future

With Chimoney's acquisition of Scrim, Scrim's already impressive functionality is poised for substantial enhancement. Our teams have been working tirelessly to upgrade the initial app features, as well as introduce exciting new features. This transformation is all part of our vision to empower people everywhere with options to get paid for value they create and to showcase the power of Chimoney’s APIs for fully powering other Payment Platforms. The full integration of Scrim with Chimoney's API promises greater stability and reliability for Scrim while maintaining the Scrim name and brand.

Our commitment to Scrim goes beyond enhancing its functionality. Our brand and design team is commited to maintaining Scrim's original identity while making a few changes to bring in some elements of Chimoney into Scrim.

&nbsp;

## A Glimpse of What's to Come
The eagerly anticipated release of the new Scrim app is slated for December 2023. Here's a sneak peek of some of the outstanding features you can expect:

**1. Earning Opportunities:** In keeping with Chimoney’s commitement to economic empowerment, Scrim is going above and beyond standard transactions. Users will have the chance to earn effortlessly. Whether it's shopping through the app or completing tasks like sharing articles or engaging with social media posts, this feature adds a new dimension to the app, elevating the user experience and providing opportunities for people everywhere to earn from the value they create and get paid in local currencies, thanks to Chimoney’s global reach and payout capabilities.

**2. Global Real-Time Payments:** The Scrim app will empower users to send money to anyone in the world using just their email, phone number of Interledger Wallet Address (Payment Pointer). It will also empower **verified** Scrim users receive payments worldwide, regardless of their location. Recipients of Payment from Scrim can cash out their money locally exactly how they want it: to bank accounts in over 100 countries, Airtime, Mobile Money wallets in 17 countries, gift cards in 210 countries, cryptocurrencies in 7 blockchains, or even shop on platforms like Amazon and Shopify.

**3. Shop with Scrim Wallet Balance:** Users will have the convenience of shopping on Amazon and Shopify and paying with their Scrim balance, making online shopping more accessible and enjoyable. This unlocks access to over 500 million products right within the Scrim App.

**4. AI Capabilities:** Scrim users can enjoy personalized recommendations powered by AI. Approved Users can unlock additional earning opportunities by enhancing Scrim through the development and listing of prompt-based AI Apps.

&nbsp;

## Chimoney and Scrim: A Bright Future
At Chimoney, we are thrilled about this collaboration with Scrim. Our CEO, Uchi Uchibeke, remarked, "The idea behind the Scrim app is simply brilliant. I have collaborated with Pleasant and the Scrim team on several projects including Scrims integration with Chimoney’s API and Wallets. It’s no-brainer for us to acquire the Scrim App and help it grow."

Pleasant Balogun, Scrim's CEO, expressed his enthusiasm for the partnership, stating, "Working with members of the Chimoney team has been fantastic. Together, we're going to take Scrim to new heights."


&nbsp;

## Get Involved and Stay Informed

So, how can you get involved?
- Join the Scrim waitlist at [scrim.ai](https://scrim.ai/).
- Follow Scrim on [X (Twitter)](https://twitter.com/sendscrim), [Instagram](https://www.instagram.com/sendscrim/), and [LinkedIn](https://www.linkedin.com/company/sendscrim).

The future of global transactions is coming soon, and it's never looked brighter! Let’s work together to unlock economic opportunities for everyone!

Chimoney is proud to announce the acquisition of the Scrim App, a social payment app built for Gen Z. Scrim's unique features, designed to send payment to social handles and DMs caught the attention of Uchi, Chimoney's CEO. The Scrim App will be relaunched in December 2023 with enhanced features powered from the ground up by Chimoney's API and Wallet as a Service (Waas)

Chimoney Acquires Scrim App

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# Introduction
As we look back on the month of October, we at Chimoney are filled with gratitude for the incredible support and participation during Hacktoberfest 2023. This year Chimoney marked its second consecutive year of active participation in Hacktoberfest and it was amazing!

Throughout October, Chimoney witnessed great enthusiasm from the open-source community, with over 20+ developers contributing to various Chimoney-related projects. These contributions ranged from bug fixes on previously built projects and documentation improvements to feature enhancements and new integrations.

This year's Hacktoberfest efforts focused on two key areas:
### 1. Improving Accessibility, Refining Documentation, and Developing Integrations 

**Making Chimoney's READMe Accessible to All**

Several contributors took on the initiative of localizing our READMe documentation and their efforts resulted in translations into various languages, including Japanese, Spanish, German, Korean, and Chinese. These translations not only help non-English speaking developers to contribute effectively but also exemplify Chimoney's dedication to building a diverse and inclusive open-source ecosystem.


**Improving Chimoney's API Documentation**

We prioritize developer experience by continuously refining our API documentation based on valuable feedback from the developer community. This year we sought and received feedback from contributors on how to make our API documentation better to ensure it is clear and comprehensive.

**Expanding Chimoney API Integrations**

Contributors actively developed new integrations with the Chimoney API, specifically for platforms such as Discord, Slack, Telegram, and GitHub.

### 2. Increasing Collaboration and Community Engagement

**Organizing Hacktoberfest Contributhons**

During the initial two weekends of Hacktoberfest, we organized Contributhons at the Technical University of Kenya and conducted a joint session with Maseno University and Masinde Muliro University. Surprisingly, nearly 70% of the students were new to the concept of open source and had never contributed to such projects. It was fulfilling to introduce them to the world of open source, providing guidance on their initial contributions. Through these events, we successfully introduced 160 students to the open-source community, inspiring them to embrace collaboration and continuous learning. The response was overwhelmingly positive, with participants eagerly immersing themselves in the world of open-source!

**Engaging with Contributors**

Chimoney actively engaged with contributors throughout the month through weekly office hours, providing mentorship, support, and recognition for their efforts. This engagement helped to create a welcoming and supportive environment for the open-source community.

## Featured Contributions
- [Amos Ayomide](https://github.com/amosayomide05) developed the Chimoney Discord, WhatsApp, and Telegram integration bots, providing convenient access to Chimoney transactions within these popular messaging platforms.
- [Limeskies](https://github.com/thelimeskies) created the Slack integration, facilitating money transfers within a Slack workspace. Users can effortlessly send money to other users through simple commands, leaving the bot to handle the intricacies of the transaction.
- [Ayo Awemidipupo](https://github.com/Ayo-Awe) built the GitHub bot enabling direct rewards to GitHub contributors via Chimoney, providing a streamlined approach to recognizing contributions!
- [Kartikey](https://github.com/QuantuM410) Singh built [Secret Santa](https://secret-santa-chimoney.vercel.app/), a platform that facilitates anonymous gifting among friends and colleagues using Chimoney.
- [Limeskies](https://github.com/thelimeskies) enhanced the BaseAPI for Environment Switching, introducing a Sandbox Option for the Python SDK, simplifying development and testing environments for developers.

## Incentives
To encourage participation, we rewarded contributors with $25 for each merged pull request that was considered a significant contribution. This served as a tangible expression of gratitude and a motivator for continued engagement for the contributors.

## Milestones Achieved in 2023
We had incredible growth this year and here are the highlights:
- **Pull Requests (PRs)**: 67 submitted PRs with 45 of them approved!
- **Contributors:** 31 total contributors, representing an 82% increase from 2022's 17 contributors.
- **Global Participation:** We had active participation from individuals in India, Nigeria, Kenya, and Bangladesh!
- **Issues:** 90+ issues created
- **Forks:** We passed 100+ forks and stars!

## Testimonials from Chimoney Hacktoberfest 2023
The success of Chimoney Hacktoberfest 2023 was not only measured by the number of contributions but also by the positive impact it had on the developer community. To capture the essence of this impact, we gathered testimonials from participants, sharing their experiences and learnings from it.

#### From Novice to Contributor

>"It was amazing to work with and contribute to Chimoney, as a beginner in open source, I think this was a very good platform to start with and most importantly the rewards that came along were for sure a booster for all the contributors." - ~Adarsh

&nbsp;
#### A Collaborative Experience

>"I had a wonderful experience participating in Hacktoberfest with Chimoney. The collaborative spirit among the team members made the event enjoyable. Whenever unexpected issues or bugs arose, the team consistently exhibited readiness and agility in addressing them. This collective effort not only made the event successful but also reflected the team's commitment to delivering a quality experience. I appreciate the collaborative atmosphere and the team's proactive approach to problem-solving during Hacktoberfest with Chimoney." - ~Kartikey

&nbsp;
#### Gratitude for Community Support

>"I began contributing to open source a month before Hacktoberfest 2023 and discovered Chimoney among the accepted repositories. Identifying a bug in their API documentation link, I raised an issue and fixed it through a PR, it got merged and received $25, which I used to purchase a headset for my tech learning. This marked my second merged PR, and I expressed gratitude to Chimoney for the opportunity. I also opened a new issue, showcasing my excitement about contributing via Gitpod directly from the browser. Phylis and Uchi's patience during PR reviews stood out as a positive experience in my journey." - ~ Harlimat 

&nbsp;
## What's next after Hacktoberfest?
While the Chimoney Hacktoberfest has officially concluded, the journey of open-source contribution and community engagement continues. We encourage our contributors to maintain their momentum and continue contributing to our open-source projects. We still have open issues you can take up [here](https://github.com/Chimoney/chimoney-community-projects/issues).

For any follow-up questions or guidance in case you're new to open source reach out on our [Discord Server](https://discord.gg/XJDwSqdA5B).
To our remarkable community, thank you for being the driving force behind Chimoney Hacktoberfest's success. We look forward to continuing our journey with you next year!


Read about Chimoney's Hacktoberfest 2023 journey, where we witnessed a surge of enthusiasm and contributions from the open-source community. Discover how developers enhanced our open-source ecosystem, fostered inclusivity, and streamlined integrations. Learn how the power of community engagement, mentorship, and rewards fueled this successful event.

Chimoney Hacktoberfest 2023 Recap

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## Introduction
Welcome to the next chapter of Chimoney's journey! We're excited to announce a groundbreaking collaboration that's set to redefine the landscape of global payouts. [Chimoney has partnered with Corpay](https://finance.yahoo.com/news/chimoney-corpay-collaborate-revolutionize-global-140000393.html), a FLEETCOR® brand  and global leader in business payments.

## Exploring the Partnership:
At Chimoney, we've always been on a mission to connect payment systems worldwide. This partnership with Corpay amplifies that mission. Imagine a world where all cross-border transactions are as easy as sending an email or text message. Bringing that level of ease to everyone is what this collaboration is all about.

## Benefits for Chimoney Users:

Through this partnership, Chimoney users will enjoy: 
- Access to Corpay's Cross-Border solutions. 
- Access to more cash out options and [payouts to bank accounts in the 130+ countries](https://chimoney.io/payouts).

Those are just a few of the immediate benefits this partnership will bring to our users, more impactful improvements are being worked on as we speak. Watch this space!

## Insights from the Partnership:
“Corpay is very pleased to announce our commercial partnership with Chimoney. I have no doubt that Chimoney’s customer base can benefit greatly from our specialized service and access to our comprehensive cross-border payments and currency risk management solutions.” said Frank Mannarino, Vice President and head of Channels and alliances, at Corpay Cross-Border Solutions. “The team at Corpay is excited to build long-term business partnerships with customers and power their international payments, help them execute their plans to manage their currency risk, and support their growth internationally.”

For us at Chimoney, this collaboration is more than just a business partnership; it's a commitment to supporting the growth of of clients on an international scale. 

Our vision at Chimoney is clear: [To connect all payment networks globally](https://chimoney.io/blogs/on-building-a-network-of-payment-networks-at-chimoney), enabling people everywhere to get paid with minimal complexity. This partnership ensures compliance with local regulations and leverages Corpay's expertise to manage foreign exchange risks, reducing complexities for our users and corporate clients.

Our Founder and CEO, Uchi Uchibeke also expressed his enthusiasm at what the partnership can bring, saying: “This collaboration with Corpay amplifies our vision of creating seamless access to more payout options and countries. With Corpay’s expertise and platform, we are poised to offer our customers access to a more expansive and efficient payout ecosystem. This is not just a partnership; it’s a synergy where innovation meets scale. For businesses and partners, it’s clear: Chimoney is setting new standards in fintech, constantly pushing boundaries, and striving for excellence".

## Our Final Thoughts:
This collaboration is a significant step in alignment with our commitment to financial inclusion, economic empowerment, and a frictionless payout experience. We're not just partnering with Corpay; we're creating a synergy where innovation meets scale for the greater good of the world.

## Let's work Together
The Chimoney team is ever ready to keep innovating and shaping the future of global payouts. [Book a demo with us now to see how we can help facilitate seamless payments for your business!](https://chimoney.io/book-a-demo)


Learn about the biggest news in the world of global payouts, Chimoney's groundbreaking collaboration with Corpay. Uncover how this partnership enhances cross-border payment solutions, offering users unparalleled flexibility. Join us on this journey where innovation meets scale, setting new standards in fintech.

Innovation Meets Scale: Chimoney Forges An Impactful Partnership With Corpay

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Canadian startups and developers are continuously on the lookout for streamlined, efficient payment systems that not only offer real-time solutions but also align with the digital transformation goals of modern businesses. **Chimoney’s INTERAC™ e-Transfer Bulk Payments**  is the perfect solution for those aiming to simplify their payout processes, combining ease of use with the robustness required for large-scale transactions. This article dives deep into integrating Chimoney’s INTERAC™ e-Transfer payout endpoint, providing a hands-on guide complete with Node.js code examples.

### The Appeal of Chimoney for Developers and Startups

Before we jump into the technicalities, let’s understand why Chimoney’s Interac bulk payouts stand out, particularly for developers and startups in Canada. Chimoney offers a versatile platform enabling businesses to automate and scale their payment operations without the complexities traditionally associated with financial transactions. For developers, the appeal lies in Chimoney’s straightforward API, which allows for seamless integration into existing systems, providing a frictionless path to expanding their application’s capabilities with minimal overhead.

### Key Features of Chimoney’s Interac Payouts:

- **Bulk Payments**: Automate payouts to multiple recipients simultaneously, saving time and operational costs.
- **Developer-Friendly API**: Integrate Chimoney’s functionalities into your services with comprehensive documentation and support.
- **Multi-Currency Support**: Conduct transactions from various currencies, with automatic FX conversion where necessary. For example, you send bulk payments from US Dollars directly to Canadian Interac users.

### Implementing Chimoney’s INTERAC™ e-Transfer Bulk Payments (Javascript)

Let’s dive into how to integrate Chimoney’s Interac Bulk Payments into your Javascript application. The focus will be making a request to Chimoney's API to initiate INTERAC™ e-Transfer bulk payouts.

#### Step 1: Setting Up

First, ensure you have Node.js installed in your development environment. You’ll also need to install the `axios` package (or use `fetch`) for making HTTP requests, which can be done using npm:



```
npm install axios
```


#### Step 2: Make the INTERAC™ e-Transfer Bulk Payment API Request

Below is a simple Node.js script that demonstrates how to call the Chimoney INTERAC™ e-Transfer Bulk Payout endpoint. This script sends a bulk payout request.


```
const axios = require('axios');

const chimoneyApiKey = 'YOUR_CHIMONEY_API_KEY'; // Replace with your actual API key
const chimoneyBaseUrl = 'https://api.chimoney.io/v0.2/payouts/interac';

const payoutData = {
  debitCurrency: "CAD", // This can be USD, NGN or other supported currencies.
  interacs: [
    {
      email: "user@mail.com",
      name: "Jane Doe",
      amount: 10,
      narration: "Monthly Rent Payment"
    }
    // Add more recipients as needed
  ]
};

const sendPayouts = async () => {
  try {
    const response = await axios.post(chimoneyBaseUrl, payoutData, {
      headers: { 'Authorization': `Bearer ${chimoneyApiKey}` }
    });
    console.log('Payout successful:', response.data);
  } catch (error) {
    console.error('Payout failed:', error.response ? error.response.data : error.message);
  }
};

sendPayouts();
```



### The Impact of Integrating INTERAC™ Bulk Payments

Incorporating Chimoney's Interac bulk API endpoint translates into direct operational efficiencies for developers, startups and Businesses. Not only does it streamline the payout process, but it also ensures a higher level of satisfaction among recipients due to the speed and reliability of transactions. Furthermore, leveraging such a solution allows businesses to focus more on their core offerings, leaving the complexities of financial transactions to Chimoney.

### Why Developers and Startups Should Care

- **Time and Cost Efficiency**: Reduce the operational load and costs associated with manual payout processes.
- **Scalability**: Easily scale your payout capabilities as your business grows, without needing to overhaul your payment infrastructure.
- **Security and Compliance**: Benefit from Chimoney's robust security measures and compliance with financial regulations, mitigating risks associated with financial transactions.
- **Multicurrency Support**: Send Interac bulk payments from the US, UK or other Countries and reach Canadian users. Wether for reward payouts, paying out Class Actions via Interac Bulk Payouts or anything in-between, Chimoney has you covered.


### Conclusion

In a time where efficiency and scalability are essential and when users demand instant access to their fund, Chimoney’s Interac Bulk Payments Infrastructure offers a promising solution for developers, startups and organizations looking to streamline their financial operations. By following the integration guide provided and leveraging the power of Chimoney’s API, businesses can scale to new levels of operational efficiency, allowing them to focus on what they do best—innovating and growing their core business.

---

_INTERAC™ e-Transfer is Trademark of Interac Corp._

Integrate Streamlined Bulk Payments in Your Canadian Startup with Chimoney's INTERAC™ Bulk Payments Canada Integration (Developer-Friendly API with Node.js Guide)
This guide empowers Canadian developers and startups to leverage Chimoney's Interac Bulk Payments Canada API for effortless integration into their Node.js applications.

Why Chimoney?

Simplified Bulk Payments: Automate payouts to multiple recipients with a single API call, saving time and resources.
Effortless Integration: Chimoney's intuitive Developer-Friendly API seamlessly integrates with your existing systems for a frictionless experience.
Canadian Focus: Designed specifically for Canadian Businesses, Chimoney offers Interac Bulk Payments Canada, the perfect solution for streamlined mass payouts within the Canadian market.

Enabling INTERAC™ Bulk Payments with Chimoney’s Payment Infrastructure: A Developer’s Guide

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Ever wished your existing community memberships could do more? Imagine having access to exclusive benefits, discounts, and exciting opportunities – all through the power of your current affiliation!

That's the vision behind Chimoney App; we've built it with the aim of empowering communities and their members.

Today, we're thrilled to announce our partnership with the [International Student Identity Card (ISIC)](https://www.isic.org/)! The first community to be listed on the Chimoney App.  ISIC is a vibrant network spanning over 130 countries, offering incredible benefits to students worldwide.  This collaboration represents a giant leap forward, giving Chimoney App users a unique opportunity to leverage this established network.  

## About ISIC

The International Student Identity Card (ISIC) is globally recognized as proof of student status and offers access to over 150,000 discounts and benefits. These benefits include discounts on transportation, accommodations, entertainment, and more, making ISIC an invaluable resource for students worldwide.

## Chimoney x ISIC Partnership Benefits
Our partnership with ISIC, aims to enhance the global community experience offering amazing benefits for both ISIC  and Non-ISIC members alike.

**For Non-ISIC Members:**

- **Complimentary ISIC Memberships**: The first 5,000 students in the US who redeem a Chimoney Payment will receive complimentary access to ISIC memberships—a $20 value. This unlocks student discounts on flight tickets, hotel accommodation, entertainment, and more, enhancing your student experience like never before.

- **Enhanced Financial Freedom:** Experience financial freedom with Chimoney's multi-currency wallet capabilities in the Chimoney App. 

**For Current ISIC Members:**

- **Exclusive $10 Chimoney App Wallet Credit:** Link your ISIC Card to the Chimoney App and unlock an exclusive $10 Wallet Credit. 

- **Simplified Fund Management:** Managing funds on a global scale has never been easier. With Chimoney, experience the simplicity of handling your finances seamlessly, enabling greater educational and cultural experiences without the hassle.

## How to Access the Benefits
1. [**Download the Chimoney App**](https://chimoney.app/download): Head to your app store and download the Chimoney app to get started.
2. **Create Your Chimoney App Account**: Sign up for a Chimoney account within the app. It's quick and easy!
3. **Link Your Community**: Complete the community membership linking process within the Chimoney App.
4. **Claim Your Free ISIC Membership**: With the Chimoney exclusive voucher code ([watch this video on how to get your voucher code](https://www.youtube.com/watch?v=C9HjQrSbBe8)), sign up for a free ISIC membership on the ISIC platform.
5. **Link Your ISIC Details:** Once you have your ISIC membership, link your ISIC membership details on the Chimoney App to unlock all the partnership-focused benefits and more.
6. **Activate Your Wallet Credit:** Make transactions totaling $100 or more within the Chimoney app. Once this is complete, your $10 wallet credit will be automatically unlocked and ready to use!

## Get Started Today

[**Download the Chimoney app today**](https://chimoney.app/download) and join ISIC to unlock exclusive student benefits, and endless possibilities! Stay tuned for exciting initiatives as Chimoney and ISIC work together to empower students and shape the future of international education.




Discover how Chimoney's partnership with ISIC enhances the student experience, offering exclusive benefits like global money transfers, $10 wallet credit, community connections, and travel discounts. Join today and unlock student perks with Chimoney and ISIC!








Chimoney Partners with ISIC to Expand Global Benefits for Chimoney App Users

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You’ve just gotten your C$5 credit and you are wondering what do with it? No worries, we’ve compiled 5 nice and creative ideas for you!

## 1. Send a Reward to Someone Special 
Brighten someone’s day by sending them a small thoughtful reward. You can send it to a friend, family or relative via their email or phone number. Another alternative is to have them download the [**Chimoney App**](http://bit.ly/48DjH8K) and send it to them via their username or interledger wallet address. 
&nbsp;
![Firefly Iphone X phone screen in focus on table relaxation mood... Natural lighting with muted tones.jpg](/uploads/Firefly_Iphone_X_phone_screen_in_focus_on_table_relaxation_mood_Natural_lighting_with_muted_tones_ae69e89a02.jpg)
&nbsp;
**How to do it:**
- Select ‘Transfer’ on the app's Home Page.
- Enter the amount and currency you want to send.
- Choose the sending option (e.g, email, phone number, username, or wallet address).
- Review and confirm the transfer.

It's that simple! With just a few taps, you can share a meaningful reward with someone special.


&nbsp;
## 2. Buy Yourself a cup of coffee
Withdraw your C$5 to your bank account using your Interac email and treat yourself to a cup of coffee or a quick snack.
&nbsp;
![Firefly morning cup of coffee with phone beside it; tea time and relaxation mood... Background colou.jpg](/uploads/Firefly_morning_cup_of_coffee_with_phone_beside_it_tea_time_and_relaxation_mood_Background_colou_0e4cbb9d3b.jpg)
&nbsp;
**How to do it:**
- Tap ‘Withdraw’ on the Home Page.
- Enter the amount and currency to withdraw.
- Add your Interac email as the recipient.
- Review and confirm the transaction.

Redeem the amount via Interac to your bank account and spend it on your favorite coffee!
&nbsp;



## 3. Enjoy Subscription Services/Gift-card
Use your C$5 credit toward a subscription or a gift card of your choice! Redeem it for popular services like iTunes to enjoy your favorite music, movies, or apps, or opt for a C$5 Amazon gift card to shop for a little gift online. It's a simple way to treat yourself or someone else!
&nbsp;
![Firefly Amazon giftcard in focus on table beside phone relaxation mood... Natural lighting with mute.jpg](/uploads/Firefly_Amazon_giftcard_in_focus_on_table_beside_phone_relaxation_mood_Natural_lighting_with_mute_09c28c9160.jpg)
&nbsp;
**How to do it:**
- Tap ‘Withdraw’ on the Home Page.
- Enter the amount and currency to withdraw.
- Add your Interac email as the recipient.
- Review and confirm the transaction.

Redeem your funds and use them to purchase your desired subscription or gift card!
&nbsp;



## 4. Donate to a Non-Profit Organization
Consider donating your C$5 credit to a charity or non-profit organization. Chimoney supports the [**TryOpenGiving**](https://tryopengiving.com/) Platform and you can donate directly to the organizations listed on the platform via the Chimoney App.
&nbsp;
![Firefly laptop screen in focus on table relaxation mood... Natural lighting with muted tones and a b.png](/uploads/Firefly_laptop_screen_in_focus_on_table_relaxation_mood_Natural_lighting_with_muted_tones_and_a_b_5ebc7636c2.png)
&nbsp;
**How to do it:**
- Visit [**TryOpenGiving**](https://tryopengiving.com/) and select the organization you want to support.
- Click ‘Donate’ and choose the ‘Donate via Chimoney’ option.
- Enter the amount and your email address.
- Select Chimoney as your payment method, scan the QR code, and authorize the payment via Chimoney App

And just like that you can make a difference with your C$5 credit!

&nbsp;
## 5. Save for Later
If you're unsure how to spend your C$5 credit immediately, consider saving it for future use. Keep an eye on upcoming promotions or new features within the app that might be worth spending your credit on later.
___

Now that you have these five smart ways to use your free C$5 credit on the Chimoney App, the possibilities are endless. The flexibility of the Chimoney App makes it easy to take full advantage of your credit, so go ahead and make your next move!

If you haven’t downloaded the Chimoney App yet, now is the perfect time. [**Click here**](http://bit.ly/48DjH8K) to get the app and start sending money to others in Canada effortlessly using either their email, phone number, username, or wallet address.

Here are five ways to use your free C$5 credit on the Chimoney App, along with step-by-step instructions for each option.








5 Smart Ways to Use Your Free C$5 Credit on the Chimoney App

Chimoney is your gateway to efficient cross-border payments, multi-currency wallets, and global payouts. Experience secure, real-time transactions across 130+ countries with our scalable API solutions.

September Changelog

New Features

Updates

Fixes

Check out these other posts

Enabling INTERAC™ Bulk Payments with Chimoney’s Payment Infrastructure: A Developer’s Guide

Chimoney Partners with ISIC to Expand Global Benefits for Chimoney App Users

5 Smart Ways to Use Your Free C$5 Credit on the Chimoney App