Remitly Global Remittance API
Remitly global remittance REST API for financial institutions, fintechs, and enterprises to integrate international money transfer capabilities, enabling sender-to-receiver fund delivery across 170+ countries with bank deposit, mobile wallet, cash pickup, and home delivery disbursement options. Enables AI agents to manage transfer initiation for cross-border payment automation, handle recipient profile management for international remittance workflow automation, access exchange rate retrieval for real-time FX rate display automation, retrieve transfer status tracking for remittance fulfillment automation, manage compliance screening for AML/KYC remittance automation, handle disbursement method selection for recipient preference automation, access fee calculation for transfer cost transparency automation, retrieve corridor availability for supported country-pair automation, manage transfer cancellation for remittance reversal automation, and integrate Remitly with financial institution, neobank, and enterprise platforms for end-to-end international money movement automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Global remittance. AML/KYC. OAuth2. US/EU. Financial transfer and identity data.
⚡ Reliability
Best When
A financial institution, neobank, or enterprise wanting AI agents to automate international money transfer for consumer remittance corridors through Remitly's global disbursement network across 170+ countries.
Avoid When
PARTNER API ACCESS IS NOT CONSUMER APP: Remitly partner API is separate from consumer app; automated B2C integration requires partnership agreement not consumer account; automated consumer-style API access without partnership creates unauthorized API access. KYC/AML COMPLIANCE IS MANDATORY: Remitly transfer initiation requires sender KYC verification; automated transfer for unverified sender creates compliance rejection; automated transfer pipeline must include KYC status check before initiation. EXCHANGE RATES ARE LOCKED AT TRANSFER INITIATION: Remitly FX rate is locked when transfer is created not when payment is made; automated rate display must reflect current creation-time rate; automated showing quote rate after order created creates rate mismatch. TRANSFER LIMITS VARY BY CORRIDOR: Remitly transfer limits (daily, monthly) vary by sender country and recipient country; automated transfer must check corridor-specific limits; automated universal limit assumption creates over-limit rejection in constrained corridors.
Use Cases
- • Sending international remittances from cross-border payment agents
- • Checking FX rates and transfer fees from financial service agents
- • Tracking transfer delivery status from remittance fulfillment agents
- • Managing recipient disbursement preferences from international payment agents
Not For
- • B2B international wire transfers (use Wise Business or Airwallex for B2B FX)
- • High-volume treasury FX (use banking APIs for corporate treasury)
- • Domestic payments (Remitly is cross-border international focus)
Interface
Authentication
Remitly uses OAuth 2.0 for partner API authentication. REST API with JSON. Seattle, WA HQ. Founded 2011 by Matt Oppenheimer. NASDAQ: RELY (IPO 2021, $2B+ market cap). Products: Consumer remittance app, Partner API, Passbook banking. SDKs: None public. Licensed in 50 US states, FCA UK, EU AISP/PISP. AML/KYC compliant. 5M+ customers. Competes with Wise and WorldRemit for international remittance.
Pricing
Seattle WA. NASDAQ:RELY. Partner API pricing negotiated. Consumer pricing per transfer.
Agent Metadata
Known Gotchas
- ⚠ PARTNER API REQUIRES FORMAL AGREEMENT: Remitly partner API access requires partnership agreement and onboarding; automated self-service integration without partnership creates no API access; automated standalone developer test access is limited to sandbox
- ⚠ KYC VERIFICATION GATE: Remitly requires sender KYC (name, DOB, address, ID) before transfer initiation; automated transfer pipeline must verify KYC status; automated transfer for unverified user creates KYC_REQUIRED error and transfer blocked
- ⚠ RATE LOCK ON TRANSFER CREATION: Remitly exchange rate locks at transfer creation time; automated re-quoting after creation will differ from locked rate; automated displaying post-creation rate as quote creates confusion when final amount differs
- ⚠ WEBHOOK FOR TRANSFER STATUS CHANGES: Remitly transfer status (CREATED, IN_PROGRESS, DELIVERED, FAILED) delivered via webhook; automated fulfillment must consume webhooks not poll status; automated polling-only implementation misses status change timing
- ⚠ CORRIDOR LIMITS ARE DYNAMIC: Remitly per-corridor daily/monthly limits change based on compliance rules; automated transfer must check corridor limits at runtime; automated hardcoded limit creates unexpected over-limit rejection
Alternatives
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Scores are editorial opinions as of 2026-03-07.