N'importe quel argent.N'importe où.Maintenant.
IFB déplace l'argent dès que vous appuyez sur envoyer. Pas demain. Pas dans 3 jours ouvrables. Maintenant — en moins de 10 secondes vers 40 pays et 150+ devises.
Live transfers happening now
Amount (USD)
To
James Diallo
@jamesdiallo · 🇳🇬 Lagos · ✓ Verified
Chaque seconde de délai coûte à quelqu'un, quelque part.
Le marché mondial des transferts déplace 860 milliards $ par an. Le coût moyen est encore de 6,4%. La vitesse moyenne est encore de 1 à 3 jours ouvrables. IFB élimine les deux problèmes.
Families can't wait 3 days
When a mother in Lagos needs her son's rent money, or a family in Accra needs emergency funds, 72-hour bank wires are not a service — they're a failure. IFB delivers in seconds.
Small businesses bleed on fees
An SME paying a $50,000 supplier invoice at 6.4% loses $3,200 to transfer costs alone. At IFB's $0.50 flat fee, they keep $3,199.50. Annually, that's the difference between growth and stagnation.
Treasury needs real-time FX
A commodity trader watching NGN/USD move 0.3% in an hour cannot afford a 2-day settlement window. IFB's live FX engine locks your rate at quote and settles before the market moves.
Mobile money is the real bank
For 1.4 billion unbanked people, their phone is their bank. IFB's native mobile money integrations (M-Pesa, MTN MoMo, Wave, Orange) mean real-time transfers reach them where they are — no branch needed.
The 6 reasons IFB wins every transfer.
Under 10 Seconds
Every IFB-to-IFB transfer settles peer-to-peer on our internal ledger in under a second. External rails (M-Pesa, bank ACH) settle in under 10 seconds on average.
$0.30 Starting Fee
Flat fees from $0.30. No percentage. No hidden FX markup on top. No receiving fee. The price you see at quote is the price you pay. Full stop.
40 Countries, 150+ FX
One account gives you IBAN + local account numbers in 40 countries simultaneously. Send from USD, receive in KES, NGN, XAF, EUR, GBP — or any of 150+ supported currencies.
Mobile Money Native
Direct operator integrations with M-Pesa (Kenya/Tanzania), MTN MoMo (17 African countries), Wave (Senegal/CI), Orange Money, Airtel Money. Reaches the unbanked.
FATF & KYC Compliant
Every sender KYC'd. Every transaction OFAC/EU sanctions screened in real time. AML pattern detection. Travel Rule implemented above threshold. Zero exceptions.
80% Cheaper Than Banks
Sending $500 via Western Union: $42.50 in fees. Via your bank: $35–$50. Via IFB: $1.50. That's 80%+ in savings — every single transfer, for every user, in every corridor.
L'App. En Direct. Maintenant.
Voici la véritable interface DEUS OS — pas une maquette. Chaque écran que vous voyez ici est ce que vos utilisateurs vivent en temps réel.
Good Morning ☀️
Alex Investor
Total Net Worth
This Month
+$4,850.00
Liquid
$12.8K
Alpha
$28.9K
Vault
$5.5K
Recent Activity
See AllCross-Border Transfer
Lagos → London
+$2,400.00
2m ago
DEUS Subscription
Enterprise SaaS
−$149.00
1h ago
VentureX Dividend
IFB Group Equity
+$860.00
3h ago
P2P Escrow Release
Nairobi · Verified
+$1,250.00
Yesterday
Comment Fonctionne un Transfert
Du tap à la livraison — moins de 10 secondes.
Open Account & Get Your IBANs
Sign up via the DEUS OS app (iOS, Android, Web). Complete biometric KYC in minutes — face scan + document upload. Instantly receive your global IBAN and local account numbers in 40 countries. Multi-currency wallet is live the moment verification completes.
Enter Amount, Destination & Currency
Select recipient (by phone number, @handle, IBAN, or mobile money number). Pick source and destination currency from 150+ options. Our real-time FX engine quotes the exact interbank rate, IFB spread (0.5–1.2%), and flat transfer fee upfront — fully transparent before you confirm.
Instant AML & Sanctions Screening
The moment you hit confirm, IFB's compliance engine screens the transaction against OFAC, EU consolidated list, and FATF watchlists in under one second. AML pattern scoring runs simultaneously. If clean — it moves. No human delay in the loop.
Routed Instantly on the Fastest Rail
IFB's routing engine selects the fastest path: IFB native rail (sub-second, peer-to-peer), mobile money network (M-Pesa, MTN, Wave), local bank rails (SEPA, ACH, Faster Payments), or card push-to-card. The system picks the best route automatically — you just see it arrive.
Recipient Receives. Confirmed.
Funds land in the recipient's IFB wallet, local bank account, or mobile money number. Both sender and recipient get instant push notifications with full transaction details. PDF receipt generated automatically. The entire end-to-end process: under 10 seconds.
Chaque Mouvement d'Argent. Une Plateforme.
Des virements personnels aux 5M$ de financement commercial — un compte gère tout.
IFB Global Transfers
Personal & P2P
What's Included
- Instant P2P between any IFB users — zero fee
- IBAN + local account numbers in 40 countries
- Live FX rate locked at quote, no slippage
- Schedule recurring transfers (rent, family support)
- Full PDF receipt + exportable history
- Works to bank account or mobile money number
Les Corridors que Nous Desservons
Les routes de transfert les plus mal desservies du monde — couvertes.
IFB vs. L'Ancienne Méthode
Les chiffres parlent d'eux-mêmes.
| Metric | IFB | Western Union | Your Bank | Wise |
|---|---|---|---|---|
| Transfer Fee | $0.30–$2.50 flat | 6–10% of amount | 3–8% + hidden fees | 0.4–1.5% + flat |
| FX Spread | 0.5–1.2% | 3–5% markup | 3–6% markup | 0.35–1.0% |
| Settlement Speed | < 10 seconds | 0–3 business days | 1–5 business days | Minutes to 2 days |
| Countries | 40+ | 200+ | 30–100 | 80+ |
| Mobile Money Payout | ✅ Native (35+) | ✅ Select markets | ❌ None | ⚠️ Limited |
| Business / Trade | ✅ LC + bulk + API | ❌ Consumer only | ✅ but expensive | ✅ Basic only |
| Payroll Engine | ✅ Multi-country | ❌ No | ❌ No | ⚠️ Limited |
| BaaS / API | ✅ Full stack | ❌ No | ⚠️ Core banking | ✅ Payments only |
| Hidden Fees | ❌ Zero | ⚠️ FX markup | ⚠️ Multiple | ⚠️ Some routes |
Real example: Sending $500 from New York to Lagos
switch to IFB
Réglementé. Filtré. Audité.
Chaque transfert est vérifié avant de bouger. Zéro exception.
Biometric KYC
Face ID + document check on every new account. Re-KYC triggered at risk thresholds. No anonymous transfers — ever.
Real-Time AML Screening
Every transaction screened against OFAC, EU consolidated list, UN sanctions, and FATF watchlists before funds move.
FATF Travel Rule
Originator and beneficiary info transmitted for all transfers above threshold. Full correspondent bank due diligence.
AI Pattern Detection
Machine learning models flag structuring, layering, and velocity anomalies in real time. Automated SAR generation.
Multi-Jurisdiction Licensing
MSB registrations and EMI frameworks across 40 countries. Local regulatory partnerships and central bank compliance in each jurisdiction.
Immutable Audit Trail
Every transfer timestamped, hashed, and stored immutably. Full audit export in < 60 seconds for any regulatory request.
Prêt à Bouger de l'Argent Différemment ?
Ouverture en 3 minutes. Pas de solde minimum. Pas de frais cachés.