Flutterwave has officially relaunched its remittance platform, Send App, across the United States after securing 20 additional Money Transmitter Licenses (MTLs). This brings the company’s total number of U.S. licenses to 34, significantly expanding its operational footprint and eliminating the need for intermediary partners in several jurisdictions.

This major development means that Flutterwave can now facilitate outbound remittances directly from multiple U.S. states and territories, including Washington DC, Georgia, Maryland, North Carolina, Michigan, South Carolina, and Tennessee. Other supported areas include Alaska, Arizona, Arkansas, Delaware, Idaho, Illinois, Indiana, Iowa, Louisiana, Maine, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, New Mexico, North Dakota, Oklahoma, Oregon, Puerto Rico, Rhode Island, South Dakota, Utah, Washington, West Virginia, Wisconsin, and Wyoming.

The licensing expansion represents a strategic milestone in Flutterwave’s push to build a fully compliant, secure, and user-friendly remittance service targeted at Africans living abroad, particularly in the United States.

New Capabilities Reinforce Send App’s Competitive Edge

With this relaunch, users in licensed states can now send money directly to Nigeria, Ghana, and Egypt—three major remittance destinations in Africa. These corridors, previously limited by regulatory and platform constraints, are now fully active and supported by an improved application interface and backend infrastructure.

One of the most notable upgrades includes a streamlined onboarding process. New users can now complete registration faster through a simplified identity verification system. This improvement aims to reduce the time it takes for users to begin sending money and makes the platform more accessible for first-time remitters.

Flutterwave has also upgraded its payment compatibility, particularly for users with U.S.-issued Visa and Discover cards. These enhancements reduce transaction failures and boost customer satisfaction, especially for those who previously encountered limitations due to card issues.

Focus on Security, Compliance, and User Experience

In line with its broader operational goals, Flutterwave has placed strong emphasis on regulatory compliance and transaction security. The updated Send App comes with enhanced fraud protection and monitoring capabilities that align with U.S. financial regulations. This allows Flutterwave to maintain customer trust while ensuring full adherence to industry standards.

Additionally, the app’s interface has been redesigned for improved usability. Users can now enjoy more intuitive navigation, better transaction tracking, and a smoother overall experience. These enhancements not only improve the technical efficiency of the app but also elevate the user journey from start to finish.

Historical Context of Flutterwave’s U.S. Expansion

Flutterwave’s push into the U.S. remittance market began gaining traction in 2023, when it acquired 14 MTLs to support the initial launch of Send App. In 2024, the company accelerated this expansion by partnering with a community bank, which allowed it to indirectly service 49 states. That partnership provided a workaround for licensing gaps while the company worked toward its current goal of full independent operation.

The latest round of licenses now gives Flutterwave the authority to run Send App independently in 34 U.S. jurisdictions. This move away from reliance on third-party partnerships allows for more control over user data, platform functionality, and overall service delivery.

This evolution not only benefits customers but also strengthens Flutterwave’s market position, signaling its intention to compete at a high level in the global remittance space.

Strengthening Ties Between U.S. Diaspora and Africa

Flutterwave’s strategy has always revolved around facilitating cross-border transactions between the global African diaspora and their home countries. The expansion of Send App to more U.S. states directly supports that goal by giving millions of African immigrants a fast, reliable, and regulated channel to support their families and communities back home.

In countries like Nigeria, Ghana, and Egypt, remittance inflows serve as a crucial source of income for many households. Flutterwave’s expanded capabilities mean that more funds can now be transferred securely and quickly, helping to stimulate economic growth in these regions.

Furthermore, the remittance service supports a wide range of use cases, from household expenses and education fees to small business capital. Flutterwave’s goal is to ensure that these needs are met efficiently through a trustworthy platform that delivers consistent results.

Integration of Swap and New Financial Services

Earlier this year, Flutterwave integrated its foreign exchange service, Swap, into Send App. This integration allows users to convert currencies before initiating a transfer, locking in favorable exchange rates and providing greater transparency in cross-border transactions.

The company also received formal approval from the Bank of Ghana to process inward remittances into the country. This regulatory clearance further solidifies Flutterwave’s presence in West Africa and reflects its commitment to working hand-in-hand with local authorities.

By combining regulatory compliance with product innovation, Flutterwave is creating a well-rounded remittance platform that meets both sender and recipient needs.

Future Growth and Strategic Vision

Flutterwave’s relaunch of Send App is part of a broader strategy to dominate the fintech space across Africa and its diaspora. With operations now established in multiple U.S. states and across key African markets, the company is poised to explore new corridors and expand its reach even further.

Plans are already underway to enter new African markets and extend coverage to more U.S. states. Flutterwave is also investing in backend systems to improve transaction speed, currency conversion accuracy, and customer support capabilities.

These improvements will likely be supported by upcoming product launches and deeper integration with enterprise clients. Flutterwave’s next-generation API platform, which is currently in development, is expected to support high-volume, business-to-consumer payouts, enabling further adoption across different sectors including e-commerce and financial services.

Industry Recognition and Market Impact

Flutterwave’s efforts have not gone unnoticed. The company has received accolades for its innovation and growth, including recognition from global fintech associations and rankings among top startups in Africa and the broader EMEA region.

By focusing on compliance, user experience, and market expansion, Flutterwave is setting a strong example for how African technology companies can scale globally while remaining focused on solving continental challenges.

The company’s success in obtaining direct licensing across the U.S. demonstrates a clear commitment to legal and operational excellence. This sets the stage for deeper trust among users, regulators, and partners—both in Africa and internationally.

Conclusion

Flutterwave’s relaunch of Send App in the United States marks a major step in its journey to simplify and expand cross-border payments for Africans abroad. With 34 direct Money Transmitter Licenses, improved platform features, and support for major remittance corridors, the company is reinforcing its role as a leading fintech provider for the African diaspora.

The introduction of new onboarding processes, optimized card payments, and integrated FX services positions Flutterwave to meet rising demand for faster and more secure money transfers. As the company continues to grow its footprint and enhance its offerings, it remains focused on one goal—connecting Africa to the global economy in a seamless and transparent way.