Your money.
Anywhere it needs to go.

A globally compliant infrastructure for individuals and institutions. Engineered for absolute precision, liquidity management, and instant cross-border settlement.

IFSCA Regulated
GIFT City
ISO 27001
Tier 1 Bank Backed

Access the whole world, from one account

Global Investments
International Tuition
Family Maintenance
Business Payments
Inward Remittances
🇺🇸USD
🇪🇺EUR
🇬🇧GBP
🇯🇵JPY
🇨🇦CAD
🇦🇺AUD
🇸🇬SGD
Global payment network connecting SGD, EUR, GBP, JPY, CAD, AUD

Global payments,

made quick and simple

With Appreciate
Others
Completing your transfer
One seamless experience: from instruction to settlement, everything in one place
Redirected out to your bank's website mid-transaction to complete the process
When the money arrives
Same day or next business day, tracked in real time
2–3 business days, no certainty and no updates
What it actually costs you
Lowest-cost with intelligent FX routing for every transaction. No hidden markups
1.5–3.5% FX spread plus SWIFT charges buried in the fine print
Getting started
Fully digital. Verified in minutes. No branch visit, no queues.
Bank verification that can involve branch visits, paper documents, and days of waiting

Built for borderless payments

Developed from the ground up in GIFT City, India's dedicated zone for cross-border payments innovation.

Individuals

Investors, students, families. Invest in US stocks, global ETFs, make international transfers. India's lowest cost enabler.

Get started →
Platforms

AMCs, brokers, wealth apps. Embed LRS remittance rails directly. Your users remit without leaving your platform.

Explore for platforms →
Partners

Banks, fintechs, NBFCs. White-labelled cross-border rails. API-first. Compliant from day one.

Talk to partnerships →

We also power the most affordable global investing platform in India.

This is what lowest-cost investing actually looks like.

5 Lakh+
INVESTORS
₹0
SUBSCRIPTION FEES
₹1
MINIMUM INVESTMENT
0.05%
PER TRADE
Google for Startups●Build for Billions · RBIH●ISB DLabs●YES Bank
AI-powered Payments

Less friction with
AI-powered payments

Most delays in cross-border payments are unnecessary. Appreciate's AI removes them before they reach you.

Fewer holds on
legitimate transactions
Intelligent FX routing
on every transaction
AI-powered Payments
XM+
in cross-border volume settled
X
transactions processed
X min
average onboarding
T+0/T+1
on [X]% of transactions

Your brand.
Your flow.
Our rails.

White-labelled and fully embedded — your users never leave your product. REST API, SDK, webhooks, and a sandbox to build in. Instantaneous user onboarding when KYC is passed via API.

View docs →Talk to partnerships →
POST /v1/transfers← 200ms
curl -X POST https://api.appreciate.com/v1/transfers \
-H "Authorization: Bearer sk_live_..." \
-H "Content-Type: application/json" \
-d {
"currency": "USD",
"beneficiary_country": "US",
"amount": 250000.00,
"status": "settled",
"compliance_docs": "generated"
}
✓
VERIFIED
✓
FUNDED
✓
ROUTED
4
SETTLED

From sign-up to settlement,
the same day

Experience the speed of institutional-grade payment infrastructure.

1

Sign up

Fully digital. Verified in under 5 minutes. No branch visit, no paperwork.

2

Add funds

Transfer from your bank account into your Appreciate wallet. Your money is ready to move.

3

Send anywhere

Select your recipient, choose your currency, confirm the amount. Done.

4

Compliance handled

FIRC, Form A2, and 15CA/CB generated the moment your transfer settles. Already there before you think to ask.

Frequently asked questions

These rails were running live for real retail investors before we opened to external partners. This infrastructure wasn't built to be tested on your money — it was tested on ours first, by thousands of individual investors making real transactions into global markets. Appreciate is regulated by the IFSCA at GIFT City, and our licence is publicly verifiable.
GIFT CITY INFRASTRUCTURE

Built for
borderless
payments

Developed from the ground up in GIFT City, India's dedicated zone for cross-border payments innovation.

£¥$

Hold foreign currency before converting

Your money stays in the currency it arrives in until you decide to convert.

Fewer intermediaries. Faster settlement.

Direct IFSC banking infrastructure means fewer hops to transfer and receive money.

India's only PSP at GIFT City that is also an IFSCA-regulated broker

PSP licence and broker licence under one roof, with proven remittance infrastructure.