USEND: International Remittances
Built by Luby
Pontual Money Transfer Group, founded in 2005, set out to solve the challenges immigrants face when transferring money internationally — becoming the leading company for transactions between the U.S., Canada, and Brazil.
- +13M
Users
- 40+
Countries
- 150K
First Year Customers
Digitizing a manual remittance market
International transfers in the U.S. were still highly manual — roughly 95% through partner agents. Luby's challenge was to build a platform that digitized the operation end-to-end, making remittances faster and more accessible.
Discovery: roadmap from customer needs, MVP scope, feasibility, and resourcing
Architecture co-designed with the client for performance and scale
Fraud and AML expectations across multiple jurisdictions
Global UX and support across 40+ countries and languages
From MVP to evolution
After discovery, Luby delivered the MVP and then scaled with continuous delivery — benchmarking, user feedback, and new capabilities such as more corridors, digital accounts, and debit features.
Security & compliance
LexisNexis ThreatMetrix for digital identity and AML/KYC; multidisciplinary security practices across the stack.
Integrations & intelligence
Brazilian bank integration for settlement and boleto; Paykii for Europe/Asia; custom BI (JavaScript) and DataMinds (Java) for pricing intelligence.
Experience
Zendesk for multilingual support across USEND's international user base — faster, more personalized service.
Key outcomes
Customers (first year)
Users with product access
Countries
LatAm–U.S. remittance leader
Luby is an innovative and committed company. Its developers are highly skilled and capable of addressing client needs. I am very satisfied to have Luby as a partner and confident in tackling the most challenging tasks.
Wilson Baraban Filho
CTO, Pontual Money Transfer
Skills & technology
Skill set
Tech & stacks
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