Non-custodial by design
Your keys, your money. Every balance lives in a wallet only you can unlock — Spondula never takes custody of your funds.
Pre-launch · Join the waitlist
Anyone. Anywhere.Anytime.
Send, receive, and hold money globally — instantly, securely, and without the barriers of traditional banking.
Be among the first to access Spondula at launch.
12:41
38%
Good afternoon, Mabelle
£6,761.51GBP-S
Your assets
British PoundGBP-S£6,761.51
US DollarUSD-S$7.46
EuroEUR-S€25.70
BitcoinBTC-S฿0.00
Payments
Bought GBP-S
Today · 10:14
+£10,000.00
Home
Wallet
Payments
Contacts
Sending made simple
Just Download Our App and start sending money in seconds.
Hey there world traveler. It's time for you globetrotters to rejoice — sending money abroad just got stupid simple.
See howHow it works
Simple. Fast. Global.
Three steps to move money across the world — whether your recipient has a bank account or not.
01
Top up your account
Add funds with your card or bank transfer. Live rates, no hidden fees.
02
Send instantly
Transfer to anyone, anywhere, in seconds — whether they have a bank or not.
03
Receive locally
Funds arrive in local currency, ready to spend or withdraw at partner locations.
Rates & fees
Send abroad for up to 97% less.
High street banks charge £65 to send £1,000 abroad. Western Union charges £23. Spondula costs £2 — same money, a fraction of the cost.
£
Spondula
Wise
Western Union
High St Bank
You receive
After all costs
1,166.02
1,161.93
1,141.67
1,093.58
Exchange rate
1 GBP → EUR
1.16602
1.16835
1.14499
1.12162
Rate markup
GBP
2.00
0.00
20.00
40.00
Exchange fee
GBP
0.00
5.50
2.90
25.00
Total cost
GBP
2.00
5.50
22.90
65.00
£
Spondula
Wise
Revolut
PayPal
You receive
After all costs
1,166.02
1,163.33
1,156.67
1,127.46
Exchange rate
1 GBP → EUR
1.16602
1.16835
1.15667
1.12746
Rate markup
GBP
2.00
0.00
10.00
35.00
Exchange fee
GBP
0.00
4.30
0.00
0.00
Total cost
GBP
2.00
4.30
10.00
35.00
Illustrative example based on publicly documented fees and spreads as of April 2026. Competitor fees vary by plan, volume, and day of week (e.g. Revolut charges no exchange fee on weekdays within fair-use limits, 1% on weekends for Standard-plan users). Actual amounts may differ. Mid-market rates shown are indicative.
For business
Built for businesses.
Invoices, payroll, and cross-border settlement — one account, one spread, zero surprises.
Global reach
One account. Every border.
Hold, send, and receive across dozens of countries — with the same flat 0.2% spread, whichever direction your money moves.
Security
Your money. Your keys.
Spondula is non-custodial from the ground up. Your balance lives on-chain, locked behind your device — not ours.
Built-in security
Biometric unlock, 2-step authentication, PIN, and device-level encryption keep your account locked tight at every step.
Settled on-chain
Every exchange runs on the Spondula blockchain — transparent, tamper-proof, and verifiable in real time. No hidden ledgers, no trust required.
Overview
Use cases
Built for how money actually moves.
Same product, very different lives. Three stories that show what Spondula changes day-to-day.
Freelancer
Get paid in minutes — not five working days.
I design for clients in London and Berlin. With Spondula the invoice hits my wallet the same afternoon, and I keep almost all of it.
Chidera O.
Brand designer, Lagos
Sending home
Send what actually arrives — not what is left over.
Every month I send something to my parents. I used to lose £20 to fees. Now it is £2 and they have it the same night.
Priya K.
Nurse, Manchester → Kerala
Merchant
Accept payments from anyone, anywhere.
Our shop serves customers from forty countries. Spondula handles every currency so we just see the settled balance.
Andrés M.
Café owner, Lisbon
Illustrative personas — stock imagery, not real customers
Launching soon
Be first in line.
Join the waitlist to get early access, founder-tier rates, and a heads-up the day we launch in your country.
Plus $10 in BTC when we launch.
No spam. Unsubscribe anytime.
0.2% flat spreadNon-custodialLaunching in 10+ corridors