Blog
Notes from the team
How pricing, transfers and wallets actually work — written plainly, published when the numbers change.
- Rates & fees
Why your exchange rate isn't the mid-market rate
The rate on Google is the rate banks trade at with each other, not the rate anyone sending $200 will ever get. Here is where the difference actually goes.
- Sending money
What actually happens to your money between "Sent" and "Delivered"
A transfer that shows "Processing" for twenty minutes isn't sitting still. Here is every stop the money makes, and why the slowest one is rarely on our end.
- Rates & fees
How we price Payvio's fee — and why it's published
Most transfer apps quote a 'fee' and bury the real cost in the exchange rate. We do the opposite: a small flat fee, and the rate margin sits in plain sight.
- Wallets
Naira, cedi, and the cost of not having a local wallet
Converting on every single transfer costs you twice: once in spread, once in timing risk. A standing local-currency wallet removes both.