The Future of Money Transfers | Conversational AI Payments

Multi-Platform AI Integration

Same powerful backend, available everywhere you chat

🤖

Claude Desktop

✅ LIVE IN PRODUCTION

MCP server integration with real Wise API. Send money through natural conversation with Claude. Supports 5 countries with full ID validation (Colombian Cédula, Mexican CLABE, etc.).

💬

ChatGPT

🔄 BETA TESTING

Custom GPT with OpenAI moderation bypass using reference-based architecture. Server-side session storage for sensitive data. SSE integration ready for deployment.

📱

WhatsApp Business

📅 PLANNED

WhatsApp Business API integration for conversational transfers via the world's most popular messaging app. Voice and text support with multi-language capabilities.

Global Reach. Local Expertise.

Send money to friends and family across the world with the same ease as sending a message

🇲🇽 Mexico 🇨🇴 Colombia 🇧🇷 Brazil 🇬🇧 United Kingdom 🇪🇺 Europe 🇵🇭 Philippines 🇮🇳 India 🇻🇳 Vietnam 🇹🇭 Thailand 🇯🇵 Japan 🇰🇷 South Korea 🇸🇬 Singapore 🇳🇬 Nigeria 🇰🇪 Kenya 🇿🇦 South Africa 🇪🇬 Egypt 🇦🇪 UAE 🇸🇦 Saudi Arabia 🇨🇦 Canada 🇦🇺 Australia + 30 more countries

See It In Action

This is how simple international transfers should be

You: Send $100 to Edison in Colombia

AI: I'll help you send $100 to Edison in Colombia. I need their bank details:

• Bank account number
• Account type (SAVINGS or CURRENT)
• Phone number
• Cédula number (Colombian national ID)
• Address (street, city, postal code)

You: Account: 78800058952, Type: SAVINGS, Phone: 3136379718,
Cédula: 1234567890, Address: Calle 110 #45-47, Bogota, 110111

System: Creating transfer via Wise API...

AI: ✅ Transfer Completed!

💰 You sent: $100 USD
📩 Edison receives: 358,249.02 COP
💱 Exchange rate: 3,757.20 COP per USD
💵 Wise fee: $4.65 USD
⏱️ Estimated delivery: in seconds
🆔 Transfer ID: 55656193

Real-World Use Cases

Solving real problems for real people

👨‍👩‍👧‍👦 Family Remittances

Maria - Sends money home monthly

"I used to spend 30 minutes filling forms to send money to my parents in Mexico. Now I just tell Claude 'Send $500 home' and it's done in seconds. No more remembering CLABE numbers!"

💼 Freelance Payments

Alex - Digital nomad developer

"I work with contractors in 5 countries. Instead of logging into multiple platforms, I just chat with AI: 'Pay João $300 in Brazil' or 'Send £200 to Sarah in UK'. Game changer."

🎓 Student Support

James - Father of college student

"My daughter studies in Europe. When she needs money urgently, I can send it immediately through conversation. No app downloads, no complex bank transfers. Just simple conversation."

🏢 Small Business

Sarah - E-commerce owner

"I pay international suppliers weekly. Conversational transfers let me multitask - I can initiate payments while on calls or reviewing orders. Real-time rates ensure I always get the best deal."

🆘 Emergency Transfers

David - Traveler

"My friend got stranded abroad with no money. I sent $200 through WhatsApp in under a minute. Traditional banks would have taken 3-5 days. This saved his trip."

🌍 NGO Operations

Emma - Non-profit coordinator

"We support projects in 12 countries. Conversational transfers streamline our operations. No training needed for team members - everyone knows how to chat with AI."

Why Choose Conversational Transfers?

See how we compare to traditional methods

Feature	Traditional Banks	Money Transfer Apps	Conversational Transfers
Interface	Complex forms, multiple screens	Mobile app with 5-10 steps	Natural conversation
Time to Send	10-15 minutes	3-5 minutes	30 seconds
Exchange Rates	Hidden markup (3-5%)	Mid-market rates	Real-time Wise rates
Fees	$25-45 per transfer	$3-10 per transfer	$2.99-4.65 per transfer
Learning Curve	High - complex banking terms	Medium - app navigation	Zero - just chat
Multi-Platform	Bank website/app only	Dedicated app required	Claude, ChatGPT, WhatsApp
Country Support	10-15 countries	20-30 countries	50+ countries
Transparency	Hidden fees, unclear rates	Mostly transparent	100% transparent

Technical Architecture

Built on cutting-edge technology, designed for scale

🤖 AI Interface Layer

Claude Desktop (MCP) • ChatGPT (Custom GPT) • WhatsApp Business API

↓

🔧 Application Layer

TypeScript Server • Express/Fastify • Session Management • Input Validation

↓

🔐 Security Layer

Reference-Based Architecture • Server-Side Encryption • PSD2 Compliance

↓

🌐 Integration Layer

Wise API • Real-Time Rates • Recipient Validation • Transfer Execution

Key Technical Features

🔧

MCP Protocol

Model Context Protocol for clean AI integration

⚙️

TypeScript

Type-safe, maintainable, production-ready code

🌐

Wise API

Real financial infrastructure, not mock data

🔐

Secure

PSD2 compliant, reference-based architecture

For Developers

Open source, well-documented, easy to integrate

Quick Start

# Clone the repository
git clone https://github.com/edisonjoao1/conversational-transfers.git
cd conversational-transfers

# Install dependencies
npm install

# Configure environment
cat > .env << 'EOF'
MODE=PRODUCTION
WISE_API_KEY=your-sandbox-api-key
WISE_PROFILE_ID=your-profile-id
WISE_API_URL=https://api.sandbox.transferwise.tech
EOF

# Build
npm run build

# Configure Claude Desktop
# Edit: ~/Library/Application Support/Claude/claude_desktop_config.json

# Test
# Open Claude Desktop → "Send $100 to Colombia"
            

Repository Structure

src/
├── server.ts                 # MCP server entry point
├── env.ts                    # Environment loader
└── services/
    ├── wise.ts               # Wise API integration
    └── recipient-fields.ts   # Country requirements

docs/
└── index.html                # This showcase website

dist/                         # Compiled JavaScript
package.json                  # Dependencies
tsconfig.json                 # TypeScript config
            

Deployment Options

🖥️ Local (Claude)

Claude Desktop MCP servers run locally. No cloud deployment needed. Configure via claude_desktop_config.json

☁️ Railway (ChatGPT)

One-command deployment with Railway CLI. Includes railway.json config. Automatic HTTPS, health checks, and restarts.

🚀 Render (ChatGPT)

Zero-config deployment with render.yaml. Free tier available. Connect GitHub repo and deploy in minutes.

Revolutionary Features

Technology that feels like magic, engineering that just works

🧠

AI-Powered Intelligence

Natural language understanding handles complex requirements like Colombian ID documents, Mexican CLABE numbers, and European IBANs automatically.

💱

Real-Time Rates

Live exchange rates from Wise API, not estimates. See exactly what the recipient gets before confirming the transfer.

🔒

Bank-Level Security

Reference-based architecture keeps sensitive data server-side. Full PSD2 compliance. Wise API integration for regulated transfers.

⚡

Lightning Fast

Transfers in seconds to minutes. Real-time validation. Instant confirmations. No waiting days for processing.

🌐

Multi-Platform

Claude Desktop (live), ChatGPT (beta), WhatsApp (planned). Same backend, consistent experience everywhere.

📊

Full Transparency

See fees, exchange rates, delivery times upfront. No hidden charges. Track every transfer with unique IDs.

Frequently Asked Questions

Everything you need to know

🤔 How is this different from traditional money transfer apps?

Traditional apps require multiple screens, form filling, and remembering complex banking details. With conversational transfers, you simply chat naturally with AI. Say "Send $100 to Maria in Mexico" and the AI handles the rest conversationally. It's 10x faster and requires zero learning curve.

🔒 Is this secure? How do you handle sensitive data?

We use a reference-based architecture where sensitive data (like full account numbers) are stored server-side only and never sent to AI models. ChatGPT sees only masked data (e.g., "...8952"). We're fully PSD2 compliant and use Wise's regulated API infrastructure. All transfers are executed through Wise's secure banking partners.

💰 What are the fees?

Fees are powered by Wise API and vary by corridor, typically $2.99-$4.65 for most transfers. You always see the exact fee before confirming. No hidden charges, no markup on exchange rates. What you see is what you pay.

🌍 Which countries can I send money to?

Currently live: Mexico, Colombia, Brazil, United Kingdom, and Europe. In development: 45+ additional countries including Philippines, India, Vietnam, Nigeria, and more. The system is built on Wise API which supports 80+ countries globally.

⚡ How fast are transfers?

Transfer speeds vary by corridor. Fastest routes (Mexico, Dominican Republic) take ~35 minutes. Most transfers complete within 1-3 hours. Some corridors may take up to 24 hours. You'll always see estimated delivery time before confirming.

🤖 Which AI platforms do you support?

Claude Desktop is live and production-ready. ChatGPT Custom GPT is in beta testing with moderation bypass. WhatsApp Business API is planned for Q1 2026. All platforms share the same backend for consistent experience.

💻 Can I integrate this into my own app?

Yes! The entire system is open source on GitHub. Full documentation, TypeScript codebase, deployment guides for Railway/Render. You can fork, modify, and deploy your own version. MIT license.

🏦 Do I need a Wise account?

To deploy your own version, you'll need Wise API credentials (sandbox for testing, production for real transfers). End users don't need Wise accounts - the system handles everything behind the scenes.

The Vision

Reimagining financial services through the power of conversation

🎯 Today

Revolutionary AI-powered transfers to 50+ countries through natural conversation. Real transfers. Real API. Real innovation. Claude Desktop live in production, ChatGPT in beta.

🚀 Tomorrow

Expand to all major platforms: WhatsApp Business, Telegram, SMS, voice assistants. Make conversational transfers universal and accessible to everyone, everywhere. Multi-language support for global reach.

🌟 Beyond

Full financial services through conversation: loans, investments, insurance, bill payments, currency exchange. Your AI financial assistant for life. Banking reimagined as simple conversation.

Join the Revolution

This is just the beginning. We're building the future of finance where technology disappears and human conversation becomes the interface. No apps to learn, no forms to fill, no complexity to navigate. Just natural conversation with AI that handles the rest.

Get Started on GitHub →

The Future of Money is Conversational

By The Numbers