Everything you need to know about Spondula — from fees and custody to becoming an Operator. Can't find it? Email us.
Getting started
Spondula is a global payments network. You can send, receive, and hold assets across borders instantly — using your own wallet. Transfers are free on-chain; currency exchange uses a flat 0.4% spread on the live mid-market rate, with no hidden fees.
We are pre-launch. Join the waitlist to be first in line for early access and founder-tier rates when we go live globally.
Spondula launches globally from day one — anyone, anywhere with internet access can send and receive. Operator cash-in / cash-out coverage rolls out corridor-by-corridor across the UK, EU, Latin America, Africa, and South Asia.
Yes. A webapp is already live, a native Android app is in final testing, and iOS is next. All three share the same non-custodial wallet.
Add funds with your card or bank transfer at the live mid-market rate. Funds land in your wallet as stable assets — ready to send, hold, or exchange.
Fees & pricing
Transfers are free — sending or receiving assets across borders costs nothing on-chain. A flat 0.4% spread on the live mid-market rate applies only when you exchange between currencies. No fixed fee, no weekend surcharge, no surprise markup.
On a £1,000 GBP→EUR transfer, a high-street bank costs about £65, Western Union about £23, and Spondula £4. You can see the full comparison on the home page.
Yes. We don't mark up the rate. Our 0.4% is the entire cost — the live mid-market rate is the rate you get.
No minimum. Maximums depend on your verified KYC tier and local operator limits. Most users have generous day-to-day caps with no paperwork.
Security & custody
No — Spondula is non-custodial. Your balance lives on-chain, controlled by a key only you can unlock with your device's biometrics and PIN.
You can restore your wallet on any device using your recovery phrase and PIN. Biometrics bind the wallet to the new device once you sign in.
Biometric unlock, 2-step authentication, device-level encryption, and an on-chain settlement layer that is verifiable in real time.
Spondula partners with regulated Operators in every corridor it launches. We'll publish the full licence matrix at launch.
Operators & cash
Operators are the local businesses that provide cash-in and cash-out at street level. Regional Operators cover a country or region; Local Operators run individual endpoints (shops, kiosks, offices).
Yes. Regional and Local Operator applications will open alongside launch. Join the waitlist and select "Operator" to register interest.
The in-app map shows every Regional and Local Operator live in your region. You can filter by tier, currency, and opening hours.
For business
Yes. A business account handles invoices, payroll, and cross-border settlement — free on-chain transfers, 0.4% only on currency exchange, zero surprises.
Join the waitlist and pick "Business". Our team reaches out to launch partners with tailored onboarding.
Still have a question?
Our team replies within one business day. Say hi — we read every message.
