Send dollars abroad
Pay family, a freelancer or a supplier in another country in digital US dollars. They get it in about a second, see it in their own currency, and need nothing but a link to collect it. You sign with a passkey; there is no fee to send.
They receive aboutPHP
$100.00
Rate: loading where it comes from…. It shows what they can expect; the money itself moves as dollars.
They get $100.00 in digital dollars. No fee to send; Segundo pays the network cost. Turning it into local money costs a cash-out partner's spread, assumed 1% (see cash-out). For comparison, 6.36% is the World Bank's average for sending $200 (Q3 2025)1.
You'll sign in first: a passkey is enough, no app to install. Need dollars first? Add money.
For someone who has never used a wallet.
Segundo puts the money in a fresh key that lives only inside the link, after the #, which never reaches our server. Send it on WhatsApp, by text or as a QR code. Whoever opens it first collects, and until they do you can take the money back.
For someone you know by their email address.
If they already use Segundo with that email, it lands in their account. If not, a wallet is made for that email (Privy holds it) and the money waits there until they sign in with the same address.
For someone with a wallet or an exchange account on Monad.
Paste their Monad address and send. It is an ordinary AUSD transfer on Monad, so any wallet or exchange that supports Monad can receive it.
Face, fingerprint or screen lock, the way you unlock your phone. Your Segundo key is derived from the passkey with Mera, so there is no seed phrase to write down and no app to install.
The money is AUSD, Agora's digital dollar, which tracks the US dollar one to one. You type an amount in dollars and see what it is worth where they live.
Monad makes a new block every few hundred milliseconds and finalises it moments later, so the transfer is done before you put the phone down.
You sign; Segundo's relayer submits the transaction and pays the network cost. You never need MON, Monad's own token, and the full amount arrives.
Segundo runs a Chainlink CRE workflow. It fetches the dollar rate from three public sources, takes the median and posts it to Segundo's keeper contract on Monad with a timestamp. On testnet it runs in Chainlink's CRE simulator every two hours, not yet on a live network of nodes, so the app only trusts reports sent by Segundo's own CRE key. This page, the cash-out quote and every income statement read that on-chain rate while it is less than six hours old, and say so.
| Currency | Per US dollar | Agreed |
|---|---|---|
| Reading the keeper contract on Monad… | ||
Every Segundo account has an address on Monad. On testnet, take 25 test AUSD from the faucet in one tap. On mainnet, a business would get AUSD from Agora by bank wire, and anyone else would buy it on an exchange that supports Monad and withdraw it to that address.
This is Monad's test network. Segundo sends Agora's test AUSD, which isn't real money. Rates are shown to people and never used to move money: the money itself always moves as dollars.