Move money in seconds
Send & Receive
Move money instantly between people, wallets, and accounts across any network, with real-time settlement and bank-grade security.
Built for the way money really moves
Send & Receive is the heartbeat of Amnen Pay. Whether you are splitting a bill, paying a supplier, or receiving a salary, funds move in seconds with deterministic settlement and end-to-end encryption. One balance, every rail.
Instant P2P transfers
Send to any Amnen Pay user or phone number with sub-second confirmation.
Multi-currency support
Hold and move 40+ currencies from a single unified balance.
Real-time settlement
Deterministic, ledger-backed settlement — no overnight batch delays.
Bank-grade security
PIN, biometrics, and device binding protect every transfer.
How it works
From intent to settled
Choose recipient
Pick a contact, phone number, or scan a code.
Enter amount
Select currency and review fees up front.
Authorise
Confirm with PIN or biometrics.
Settled
Funds land instantly with a receipt for both sides.
Explore related capabilities
Put Send & Receive to work
Create a free account and start building on Amnen Pay in minutes.