Smart multi-currency wallet for students – hold, spend, remit with zero delays.
College students incur high conversion fees and experience delays when using international payment apps to send money home or receive family allowances abroad.
UniPurse provides a virtual multi-currency wallet pre-loaded by family, auto-converting at optimal rates for spending or remittances. Students top up once/month via low-fee rails, avoiding per-transaction hits. Real-time balance sharing keeps everyone aligned without friction.
College students studying abroad who regularly send remittances home or receive family allowances internationally
Hold 10+ currencies + AI rate prediction for 20% better FX.
edgy
Hold USD/EUR etc., auto-convert on spend.
Family tops up via Stripe with low-fee conversion.
Live balance view for family members.
Split wallet balance to home account instantly.
Suggests best time to convert/remit.
Link to Apple/Google Pay.
Auto-categorize spends.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| wallet_id | uuid | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| balance_usd | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| wallet_id | uuid | No |
| currency | text | No |
| amount | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| wallet_id | uuid | No |
| type | text | No |
| amount | int | No |
Relationships:
/api/wallets/topupProcess family top-up
/api/wallets/balancesGet multi-currency balances
/api/predict/ratesAI FX predictions
/api/remitExecute remit from wallet
1% convert fee
0.3% fees
None
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 120 | 2.5% | $90 | $1,080 |
| Month 6 | 900 | 4.5% | $1,215 | $14,580 |
Multi-currency purse for students: family loads, you spend/remit optimally. AI beats bad rates.
Run Instagram ads targeting 'international student' hashtags ($50 budget); post in uni Discord/Telegram groups with beta access; email blast to study abroad newsletters.
Multi-currency
Not student-focused, verification slow
Uni-specific + family sharing
Business focus
High fees for personal
Personal student use + lower fees
AI-trained on student transfer data for superior predictions.
FX volatility + crypto alternatives failing make stable wallets hot.
AI accuracy
Fallback to market APIs
E-money license
Use Stripe Treasury
Success: 200 emails
Success: 5% conv
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