> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pesarc.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Send & receive

> Move money across borders in seconds, in the currency each person actually holds.

Sending money with Pesarc feels like a normal transfer. Behind the scenes it
settles peer-to-peer and pays out on the other side in local currency — but you
never have to think about that.

## Send money

1. Tap **Send**.
2. Choose who you're paying (a contact, a phone number, or a bank/mobile-money
   destination).
3. Enter an amount **in your own currency**. Pesarc shows exactly what the
   recipient receives and the single, clear fee before you confirm.
4. Confirm. The money arrives in seconds.

<Note>
  Pesarc quotes the recipient's amount up front using a realized-rate oracle, so
  there are no surprise deductions at the other end.
</Note>

## Receive money

Share your Pesarc handle or a payment link. Incoming money lands in your balance
in your currency, ready to hold, spend, or cash out to your bank or mobile money.

## Where it goes

* **To another Pesarc user** — instant, in-app.
* **To a bank account** — paid out over the local bank rail.
* **To mobile money** — paid out to the recipient's mobile-money wallet.

## Under the hood (optional reading)

A transfer becomes a stablecoin **intent**. Pesarc's solver nets intents against
each other (ring and pair netting) so most value never has to touch an external
rail, then settles the remainder on-chain and triggers the local payout. Gas is
sponsored by a paymaster, so the sender and recipient never hold or spend a
network token. None of this is required knowledge to use the app — it's why the
transfer is fast and cheap.