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home in minutes.
Indonesian workers in Singapore can now send money home using a government-regulated digital rail — paying up to 92% less in fees, with the money arriving in under 10 minutes instead of 3 days.
Sending SGD 500 via the bank costs up to SGD 35 in fees.
Most of that is not shown as a fee. The bank adds a hidden margin to the exchange rate — your family receives less IDR than the real rate would give them, and you are never told how much was taken.
This rail shows every cost upfront. The exchange rate used is the real market rate. Move the slider below to see exactly how much you save on your transfer amount.
You send SGD using PayNow — nothing new to learn
Open the platform, enter the amount, and pay via PayNow — the same way you already pay in Singapore. No crypto wallet. No new app. No bank account needed beyond what you already have. Your SGD is received instantly by StraitsX, a company licensed by the Singapore government.
On an annual salary of approximately SGD 6,000, that fee burden represents nearly 5% of gross income. The stablecoin rail brings total transfer cost to under SGD 2 per transaction.
Licensed under Singapore's MAS framework. Your money is protected like a regulated financial service.
You see the rate, fee, and exact IDR your family receives. What you confirm is what arrives.
Traditional bank transfers pass through many banks. Our rail sends directly with fewer middle steps.
Enter an amount. Watch it travel.
Get a receipt at the end.
The simulator walks you through a real transfer — step by step, with live FX rates — and shows you exactly what your family would receive.
▶ Try the Simulator