Remittance today is slow, expensive, and only goes one way.
Families split between France and Senegal rely on remittance to stay connected, but the system built for that is working against them. Sending money is slow and costly, receiving it still often means standing in line for cash, and the option to send help back the other way barely exists.
Two sides of one wallet.
Screens from the 2WAYO prototype: the sender's side in France, and the receiver's wallet in Senegal, covering requests, arrival, and cashing out.
Screens from the 2WAYO MVP prototype. Names, balances, and transactions shown are illustrative.
Four steps to arrive, plus a request coming back.
Money travels France → Senegal; requests travel the other way. Users link contacts across countries once, by phone number or an invite link shared over WhatsApp or SMS. After that, sending, requesting, and paying is a couple of taps.
Send EUR at the real rate
Open the app, see the live EUR → XOF rate up front, pick a linked recipient, enter an amount. Fee and final recipient amount are shown before confirming.
Converts and clears instantly
EUR converts at the live rate and lands instantly as XOF. The sender gets a shareable, itemized receipt over WhatsApp or SMS.
Hold it, don't just cash it
Funds sit in a 2WAYO wallet rather than passing straight through to cash, usable the moment they arrive.
Cash out or pay anyone
Withdraw instantly to Wave, Orange Money or Free Money, transfer to a Senegalese bank account in 1 to 2 days, or pay another 2WAYO user directly.
Illustrative interface preview, not a live transaction.
One wallet for the corridor.
Live, real exchange rate
The live market rate is shown before every transaction, with no hidden markup, so the amount that lands is never a surprise.
Instant wallet delivery
Wallet to wallet transfers arrive immediately and are usable the moment they land.
Send and request
Money is pushed from France, and can be requested from Senegal, with notes attached, then paid, declined, or left pending.
Peer to peer payments
2WAYO users in Senegal can pay each other directly, with no bank or mobile money hop required.
Multiple withdrawal rails
Wave, Orange Money and Free Money instantly, or a Senegalese bank account in 1 to 2 days.
Itemized receipts
Every transaction produces a shareable receipt: amount sent, amount received, rate, fee, and reference number.
Contact linking
Link contacts across countries once by phone number or invite link, then send, request, and pay in a couple of taps.
Multiple languages
French, English, and Wolof, with push notifications and status tracking on every transfer and request.
Every transfer, accounted for.
KYC verified accounts
Identity verification on both sides of the corridor.
256 bit encryption
Transfers and wallet data encrypted end to end.
PIN and Face ID
Biometric or PIN confirmation required for every transfer and withdrawal.
Full audit trail
Every transaction produces a receipt with amount, rate, fee, timestamp, and reference number.
A corridor built on remittance, running on mobile money.
Despite this mobile money adoption, cross border remittance into that ecosystem remains fragmented and largely one directional. That is the gap 2WAYO is built to close.
From remittance to a wallet the corridor lives in.
2WAYO's product experience is inspired by WeChat Pay and Alipay: a single wallet that becomes the hub for moving, holding, and spending money, rather than a narrow transfer only app.
Remittance and wallet
Send, request, hold, and cash out across the France to Senegal corridor, with wallet to wallet payments inside Senegal.
Bill pay
Extend the wallet from moving money to spending it, so balances stay and circulate inside the 2WAYO ecosystem.
Network commerce
A super app wallet for the diaspora corridor, with broader network commerce built on the same rails.
MVP / prototype stage
A complete product and interaction design system has been designed and prototyped, covering onboarding, sender and receiver dashboards, the send money flow, contact linking and pending requests, wallet withdrawal, profile and settings, and error states.