A payments app — and much more — for you, not for the banks.
Free instant transfers, free debit card.
Five seconds is the normal settlement time on a blockchain, and by most measures that is fast. Stand in a fresh food market paying 20 baht here and 35 baht there, and five seconds is an eternity — for you and for the trader waiting behind you.
There is a second friction, too. 4YouAll identifies people by mobile number, and nobody is going to type a mobile number to buy a bag of chillies. So the trader prints their QR code and pins it up in the stall. You point your phone at it. That is the whole interaction — and it works the same way between friends.
4YouAll does not make you wait. Payment is confirmed to both sides at once and everyone moves on, while settlement completes behind the scenes. We call it optimistic settlement, and the optimism is ours to carry, not yours: in the rare case a transaction fails, 4YouAll covers the amount so the trader is paid, and recovers it from the sender afterwards. The risk sits with us, by design — because a payment that might not arrive is not a payment anyone can build a market stall on.
Traditional remittance punishes the sender twice: a flat fee makes small transfers uneconomic, and a monthly cap forces you to batch money that was needed yesterday. We charge no per-transfer fee and set no cap. Send 20 baht to a friend to buy sticky rice, or send your wages home in six instalments as you earn them — the system does not care, and neither should it.
Nor does it care which currency you are sending. Baht account to peso account is the same transfer, at the same cost, with no brokerage taking a cut in the middle.
A stablecoin is only as good as its backing. 4YouAll issues one per country, each pegged 1:1 to that country's currency and backed 100% by fiat held in a conventional reserve bank account. One THBC is one baht, and it is one baht because a baht is sitting behind it.
That structure is deliberate. Collateral in gold, or in another crypto asset, reintroduces the price risk a stablecoin exists to remove. A 1:1 fiat deposit does not.
Country-specific is the second deliberate choice. The alternative is to denominate in euro and convert at both ends, which taxes the user twice and asks them to think in a currency that is not their own. Buy 35 baht of chicken and pay 35 baht: no conversion, no mental arithmetic.
Stellar was designed for exactly this: moving small amounts of many different currencies, cheaply, between people without bank accounts. It handles multiple assets natively and has an exchange built into the protocol, so a Baht-to-Peso transfer is one operation, not a chain of trades. Fees are a fraction of a Baht — so sending 50 Baht to your mother, the moment she needs it, is simply convenient. Never a hindrance.