Apps like LemFi for USDT: a LemFi alternative
Among apps like LemFi, Unigox covers a case LemFi does not: money held as USDT. Send it to family and they sell it for local money on Unigox. If you pay from a card or bank account, stay with LemFi.
When to stay with LemFi
You top up by card, bank or Interac
LemFi takes debit cards, instant bank transfers, Apple Pay and Google Pay in the UK, and Interac in Canada, and lists Ghana and Kenya among its routes with zero transfer fees. On Unigox, the money home starts as USDT or USDC that your relative sells from their Unigox Wallet.
Your family should not have to sign up
A LemFi transfer lands in the recipient's bank account or a mobile money wallet, and they need no app. On Unigox, the person selling the USDT opens an account and verifies their identity first.
The money has to land within minutes
LemFi lists transfers to Ghana and Togo, and to mobile wallets in Cameroon and Benin, as real-time, 24/7, and shows the estimated delivery time before you confirm. On Unigox nothing is paid out until your relative has passed the ID check and sold the USDT to a P2P merchant or a payment business.
LemFi vs Unigox for money meant for family
| Topic | LemFi | Unigox |
|---|---|---|
| What it is | An app for sending money from the UK, Canada, the US, Australia and parts of Europe to Africa, Asia and beyond, with wallets in several currencies. | An app where you sell USDT or USDC for local money to an individual P2P merchant or a payment business. |
| Crypto | Not offered. LemFi's help centre lists buying cryptocurrency among the things the app cannot be used for. | USDT or USDC comes in from an exchange or another wallet, and USDT can go out to an outside wallet before or after a trade. |
| Paid in with | UK: debit card, instant bank transfer, virtual funding, Apple Pay or Google Pay. Canada: Interac, Apple Pay or Google Pay. US: debit card, Apple Pay or Google Pay. Credit cards are not accepted. | USDT or USDC deposited to the seller's Unigox Wallet. |
| Who needs an account | Only the sender, for bank and mobile money payouts. Sending between two verified LemFi users is free and lands in their wallet. | The family member who sells the USDT, verified before their first trade whatever the amount. |
| Fees | No transfer fee on many routes, Ghana and Kenya among them; some Asian destinations, such as Pakistan, may carry one. The first transfer to a new country is usually free. The app shows the rate before you confirm. | Built into the rate the seller sees for the amount, before the sale is confirmed. |
| Regulation | RightCard Payment Services Limited, part of the LemFi Group, is an FCA electronic money institution (reference 900424). Pomelo Technology Canada Ltd. is registered with FINTRAC as a money services business (M20383642). | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxSwitch from LemFi in three steps
Your family member passes the ID check
They create a Unigox account and complete the photo ID and selfie check, which Unigox requires before a first sale of any size.
Send USDT instead of topping up LemFi
Where you would add pounds by debit card or Canadian dollars by Interac to LemFi, send USDT or USDC from your exchange to the deposit address in their Unigox Wallet, using the network named next to it.
They sell and get paid at home
They pick the currency a LemFi transfer would have paid them in, enter the bank or mobile money account it would have landed in, and accept the rate shown for their amount.
Questions about LemFi alternatives
Which apps like LemFi work with USDT?
Unigox does: it takes USDT or USDC from an exchange or another wallet, and whoever holds it there sells it for local money paid to their bank or mobile money account. LemFi has no crypto at all; its help centre says the app cannot be used to buy cryptocurrency.
Is there a LemFi alternative when my savings are in USDT?
Yes. Instead of selling the USDT somewhere else and topping up LemFi with the proceeds, send it to a relative's Unigox Wallet. After an identity check they sell it, and the buyer pays their own account.
Who are LemFi's competitors for Ghana and Kenya?
For card and bank transfers to Ghana and Kenya, LemFi competes with remittance apps such as Taptap Send, Sendwave and WorldRemit. Unigox covers a different case: the money is already USDT or USDC and your family sells it.
Read the Taptap Send comparisonDoes LemFi charge a transfer fee?
On many routes, Ghana and Kenya among them, LemFi charges no transfer fee, and the first transfer to a new country is usually free; some Asian destinations may carry a fee. Its rate is shown in the app before you confirm. On Unigox the fee sits inside the rate shown before a sale.
Price USDT in your family's currency
Before your relative confirms a sale, Unigox shows what the USDT pays out with its fee already counted. Set it against what the LemFi app shows your relative receiving for a transfer sent the same day.
LemFi and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.