Pulse Remit is an agentic remittance platform built on Celo .
It enables instant, low-cost cross-border transfers using just natural language, allowing users to move money across border at the speed of chat powered by Celo's stablecoins (cUSD/cEUR), and ultra-low fees.
Autonomous AI agents handle smart routing, automatic currency conversion, compliance screening, and optimal timing delivering real-world economic agency for everyday remittances to underserved users in Africa and beyond.
Pulse Remit turns remittances into an autonomous, inclusive experience aligning perfectly with Celo's focus on real-world agentic applications.
Pulse Remit’s mission is to democratize remittances for underserved families in Africa and emerging markets by deploying autonomous AI agents on Celo delivering instant, near-free, stable-value transfers with true economic agency.
Traditional remittances drain billions through high fees (8-9%+), delays, volatility, and inaccessibility.
Pulse Remit changes this: users start with just a phone number, and intelligent agents autonomously optimize routing, conversions, compliance, timing, and settlement leveraging Celo's mobile-first identity, low-cost L2, and stablecoins (cUSD/cEUR) for seamless, inclusive execution.
This builds real-world prosperity: senders save massively, recipients get funds instantly via mobile money or cash, and AI agents handle complexity so people focus on family aligning with Celo's goal of a global financial system where agentic tools create conditions for prosperity for everyone.
The problem that Pulse Remit addresses and the core pain point this project solves for the Celo "Build Agents for the Real World" hackathon is the high-cost, slow, inaccessible, and volatile nature of traditional cross-border remittances, especially for families in Africa and emerging markets.
The Real-World Remittance Crisis (Key Pain Points):
Exorbitant fees:
Sending $200 to Sub-Saharan Africa averages 8-9% (sometimes 20%+ in certain corridors), far above the global average (~6%) and the UN SDG target of <3% by 2030. Banks and legacy providers (e.g., Western Union) often charge the most, with flat fees hitting small transfers hardest.
Slow settlement times:
Traditional transfers take days to weeks, especially to rural or underbanked areas, delaying critical support for food, healthcare, education, or emergencies.
Limited accessibility:
Many recipients lack bank accounts (financial inclusion gaps in Africa), rely on cash pickup points that are distant/inconvenient, or face barriers in intra-African corridors (even higher costs, up to 33% in some cases).
Volatility & FX risks:
Currency fluctuations erode value for recipients; informal channels (cheaper but risky/illegal) often fill the gap due to distrust in formal systems.
Lack of intelligence & automation:
Users manually handle conversions, routing, timing, and compliance — no smart decisions on best paths, lowest fees, or optimal timing.
These issues trap billions in remittances (~$50B+ annually to Sub-Saharan Africa) from reaching full impact, burdening migrant workers and families in underserved communities.
How Pulse Remit Solves It (Agentic Innovation):
Pulse Remit flips this by building an autonomous, AI-agent-driven remittance experience on Celo:Agents act with economic agency independently optimizing routes, converting currencies at best rates, screening compliance, timing executions for lowest fees/gas, and settling instantly to stable value (cUSD/cEUR).
Leverages Celo's mobile-first strengths (phone-number onboarding/ID in <60s, near-zero L2 fees, stablecoins, future mobile money off-ramps) to make it inclusive and real-world usable.
This directly tackles the hackathon's call for agents with genuine economic agency that deliver practical utility in payments and inclusion turning a painful, expensive process into an intelligent, low-friction one that empowers users economically.
Traditional remittances to Africa cost families 8-9% in fees, take days to arrive, expose users to volatility, and exclude the unbanked wasting billions in vital support.
Pulse Remit deploys autonomous agents on Celo to automate intelligent, near-free, instant transfers, restoring economic agency to everyday people.
Pulse Remit deploys autonomous AI agents on Celo to automate intelligent, end-to-end remittances: from initiation via phone number to optimal execution, conversion, compliance, and instant stable-value delivery.
This cuts fees from 8-9% to near-zero, eliminates delays/volatility, and empowers underserved users with true economic agency making remittances fast, fair, and autonomous in the real world.
Pulse Remit’s mission is to empower underserved families in Africa and emerging markets with instant, near-free, stable-value remittances powered by autonomous AI agents on Celo, delivering true economic agency and restoring billions in lost value from high fees, delays, and volatility.
Emerging Markets
