Japan, 2026.
From Japan to the Philippines for a flat fee that's less than half the industry average. Fund by bank transfer or card, 24/7.
Sending money home — in minutes.
From funding your wallet to your family receiving cash — every step is built for the reality of working abroad.
Add funds by bank transfer or debit/credit card — available 24/7, right from the Kapwa app. No queues, no forms.
See exactly what your family receives before you confirm. Live exchange rate. One flat fee — less than half the industry average. No hidden charges.
GCash, Maya, or any bank account — with cash pickup at Cebuana, Palawan, or M Lhuillier coming soon.
38 million Filipinos are unbanked. Cash pickup is coming soon, so no one gets left out.
Instant delivery to your recipient's GCash account. 24/7, no bank account needed.
Send directly to Maya. Instant delivery, easy cash-out at partner outlets nationwide.
Direct transfer to any Philippine bank via InstaPay or PESONet — BDO, BPI, Metrobank and more.
Pickup at thousands of Cebuana, Palawan, and M Lhuillier locations — wherever your family lives.
Drag the slider, type any amount — and watch exactly how much more reaches your family with Kapwa. On a ¥50,000 transfer, the gap between Kapwa and the industry average is over ¥4,200. Every month. That money belongs to your family.
Average fees are researched estimates for the Japan → Philippines corridor, based on each provider's published rate card and World Bank Remittance Prices Worldwide data, as of July 2026. Actual cost varies by amount, payout method, and market conditions.
Security & trust.
Kapwa is built on institutional-grade infrastructure used by some of the world's largest financial institutions.
Protected by Fireblocks MPC technology — the same infrastructure used by major banks and regulated exchanges worldwide.
Fireblocks MPCSumsub-powered KYC verified to global AML standards — protecting you and your family from fraud.
Sumsub KYCFunds are held at full value in segregated, regulated accounts — never invested, lent out, or exposed to market swings.
Segregated custodyLaunching in Japan first. Every major OFW corridor is on the roadmap. Wherever you work, your family deserves the best rate home.
Our mission.
"Built by Filipinos who have lived the OFW experience."
— The Kapwa Team
We know what it costs to work far from the people you love most. We know the weight of every transfer — not just in fees, but in what it represents. Kapwa is a Filipino word meaning shared humanity. We built this wallet because OFWs have been overcharged for too long, and every peso that disappears in fees is a peso that should have reached your family.
No exchange rate markup. No surprise charges. The price you see is what you pay.
38 million Filipinos are unbanked. Cash pickup is coming soon, so no one gets left behind.
Fireblocks MPC. Sumsub KYC. Because every transfer represents someone's sacrifice.
Still have questions? Email us at contact@kapwawallet.com — we read every message.
Join the waitlist. We'll notify you the moment Kapwa launches in your corridor.
No spam. One email when we go live in your corridor.
Get in touch
Partnerships, press, or support — send us a message and we'll get back to you.