Products How it works Protocol Security Get early access
Live on Wise · IntaSend · Circle EURC sandbox

The agent
handles the
money.

Still holding local currencies like KES while they lose value? Stop guessing which remittance route is cheapest. st4bl aggregates every major remittance rail across East Africa, automatically routes your transfers through the most cost-effective path, and handles the treasury management for you. Your mobile money wallets stay funded exactly when they need to be, your capital stays protected from inflation, and the transaction executes seamlessly. More value, zero friction, total control.

Get early access See how it works
0
Rails compared
KES 0
Saved per transfer
0
FX markup
0
Per transfer fee
9:41
st4bl Agent
online
S4
Real money. Real M-Pesa. ✓
The problem
"The money transfer apps solved the transfer.

Nobody solved the shame of the ask."

She's in Nairobi. M-Pesa empty. She needs KES 2,000 for groceries today. She doesn't call. She doesn't want to be a burden. So she waits three days.

Meanwhile he's opening three apps, checking three rates, paying hidden FX margins on every single one — and still not sure he picked the best route.

The remittance industry processes $100B to Sub-Saharan Africa every year at an average cost of 7.9% — the highest of any region globally. Every single provider profits from you not comparing.

"Remittance apps focus on the transaction. We focus on the human connection. By combining automated treasury with best-rate execution, st4bl protects your capital and eliminates awkward money talks before they even start."

Two products. One infrastructure.

Built for the whole
diaspora relationship.

Live now

remit.st4bl.com

The smart send. Compare every rail, optimize for M-Pesa withdrawal tiers, execute with one confirmation. No hidden FX. No guessing.

  • Wise, IntaSend, and Circle EURC compared simultaneously...more to come.
  • M-Pesa tier optimization — adjusts send amount to save KES 33–70 per transfer
  • Stage → PIN confirm → execute. Nothing moves without you.
  • Cryptographic audit trail on every transaction
  • Mum can request money directly via the bot — no phone call needed
remit.st4bl.com · Telegram · AP2-compatible
Coming soon

treasury.st4bl.com

Stop holding depreciating shillings. Hold USDC or EUR. The agent converts only what Mum needs, when she needs it, at the best rate.

  • KES has lost 30% against EUR in 3 years
  • Hold hard currency. Maintain instant KES liquidity.
  • Mum texts "Request 2000" — agent executes within your policy
  • Pre-authorised weekly limits. Auto-convert below threshold.
  • Non-custodial Circle Agent Wallets — funds never touch st4bl
treasury.st4bl.com · Waitlist open
How it works

Five tools.
One flow.
Any agent.

The agent does the shopping. The human does the approving. Always. Steps 1–3 are fully automated. Step 4 requires your explicit action. Step 5 fires only after you confirm.

01

Discover

Agent finds available rails and verifies recipient identity via ERC-8004 agent card.

02

Quote

All connected rails return rates, fees, and net KES delivery simultaneously.

03

Optimize

Agent selects cheapest route and adjusts send amount to avoid M-Pesa withdrawal tier penalties.

04

Authorize

You review the full breakdown and confirm with PIN. Nothing moves without this step.

05

Execute + Receipt

Transfer fires exactly once. Cryptographic receipt written to append-only audit ledger.

9:41
st4bl Agent
online
S4

No phone call. No waiting. Her dignity intact.

The only honest metric

What actually arrives
in Mum's M-Pesa.

Most providers show you the send amount. st4bl shows you the net received — after all fees, FX markup, and M-Pesa withdrawal tier costs. If you're not measuring net received, you're not measuring cost.

Feature Traditional apps st4bl
Shows net KES received ❌ Gross only ✓ Net after all fees
Compares multiple providers ❌ One provider per app ✓ Wise, IntaSend live · Circle sandbox
M-Pesa tier optimization ❌ Never ✓ Saves KES 33–70/transfer
FX markup 1.5–3% hidden ✓ Zero. Mid-market rate.
Consent before execution ❌ Click and hope ✓ Stage → PIN → Execute
Recipient can request ❌ Sender must initiate ✓ Authorized pull model
Cryptographic audit trail ❌ ✓ Append-only JSONL ledger
AI agent native ❌ ✓ MCP + AP2 + A2A
Protocol

Built on open standards.
Designed for regulators.

st4bl is the reference implementation of ARP — the Agent Remittance Protocol. Any developer builds one integration. It works across every conforming rail and agent. Governing principle: agent proposes, human disposes, code enforces.

⚡

MCP-Native

Five tools. One flow. Callable from Claude, Gemini, GPT, or any function-calling LLM. No SDK required.

remit_discover · quote · optimize · stage · execute
🔐

AP2-Compatible

Built to Google's Agent Payments Protocol spec. ERC-8004 signed agent cards. A2A v1.0 identity layer.

AP2 · A2A v1.0 · ERC-8004
📋

Designed for Regulators

No money moves without consent. 5-minute staged transfer expiry. Append-only audit trail. Separation of reasoning and execution.

PSD2-aware · JSONL ledger · KYA
Security

Safe by default.
Not by policy.

The LLM cannot auto-execute. This isn't a setting you can toggle off. The agent literally lacks the function to move money without a signed human authorization token. Better to fail than double-send.

Stage → Confirm → Execute

Architecturally enforced. Not a policy. The execute function requires a cryptographic authorization token that only exists after explicit human confirmation.

No auto-retry on execution

A failed transfer fails cleanly. The system never retries a fund movement. Idempotency keys prevent double-sends at every layer.

Staged transfers expire

Unconfirmed transfers automatically expire after 5 minutes. No pending transaction can linger and execute later without fresh consent.

Append-only audit ledger

Every intent, quote, route choice, authorization, and receipt logged to a JSONL ledger. Never overwrites. Never deletes. Never logs secrets.

Separation of reasoning and execution

Claude decides what to propose. Python decides whether it's allowed. The LLM never constructs HTTP payloads or signs transactions directly.

Not a custodian

st4bl is a routing protocol and reference implementation. Customer funds never touch st4bl's balance sheet. Wise and IntaSend hold the regulated positions.

OPEN PROTOCOL
ARP — Agent Remittance Protocol
github.com/remitprotocol/arp
MCP v1.0 AP2 Compatible A2A v1.0 ERC-8004 Open Source
EUR → KES | 1 EUR = 148.50 KES | Updated just now | Via Wise
Join st4bl

The family
stays human.

Get early access to remit.st4bl.com and be first in line for treasury.st4bl.com when it launches.

No spam. No noise. Launch update only.

Live now
remit.st4bl.com
EUR → KES · Telegram
Coming soon
treasury.st4bl.com
Hold USDC. Always have KES.