Pay the restaurant, the grocery, the car rental, or the dive shop, funded from your bank, Wise, or card. No local SIM, no GCash setup, no ATM hunt.
Add a balance from your bank, Wise, card, or stablecoin, and turn on auto-reload so it refills itself. Fund cheaply from home, with no fee on every little purchase.
Scan the vendor's code to pay in seconds. They hear a confirmation chime the instant it lands.
CocoSend settles pesos into the GCash wallet the vendor already uses with locals. Same money, same place.
Cash means ATM fees and poor exchange rates. Your home card isn't accepted at many places. A local wallet you can't set up. CocoSend gives you one fair rate that just works.
| When you want to pay a cash-only merchant | CocoSend | Cash / ATM | Foreign card | GCash |
|---|---|---|---|---|
| Works with any cash-only merchant | Yes | Yes | Rarely | Yes |
| Setup needed on arrival | Just the app, from home | Find an ATM | None | SIM + local ID |
| Fees on small spend | One fair rate | ATM + FX fees | FX + DCC markup | Low |
| Instant proof of payment | Yes | No | No | Yes |
| Available to a visitor | Yes | Yes | Yes | Not really |
Locals pay for everything by GCash. A visitor can't realistically set one up, so they're stuck with cash: ATM fees, poor exchange rates, and never the right change.
foreign visitor spend a year, much of it lost at cash-only merchants of all sizes.
CocoSend settles into the vendor's GCash, never against it, so the person you're buying from is glad to take it.
CocoSend spreads as visitors and vendors tell the sellers around them. Vendors earn a reward for a year for every vendor they bring on.
Found a place that isn't on CocoSend yet? Tell them about it in seconds. They set up fast and free, so you can pay them next time.
Share CocoSend with the sellers around you, and for a year you earn a reward whenever each one gets paid through CocoSend.
Visitors tell vendors, vendors tell other vendors. The network grows by word of mouth, and vendors earn for every vendor they bring on.
Not yet, we're putting the final pieces in place. Join the waitlist and you'll be among the first in when we launch, with no city gated off.
No. You load CocoSend with your own card or stablecoin and pay from that balance. The local SIM and ID checks that block visitors on GCash aren't needed.
You top up at one fair conversion rate, with optional auto-reload so you never run dry, then pay vendors with no extra fee per purchase. The cost is built into that one rate, with no surprise ATM withdrawals or dynamic-currency markups on small amounts.
CocoSend settles Philippine pesos straight into the GCash wallet the vendor already uses. They sign up once for free and link that wallet, and after that nothing changes in how they get paid.
Your balance is prepaid and held with a licensed payment partner, and you only ever spend what you've loaded. Every payment gives you an instant receipt.
When we launch you'll be able to invite a vendor who isn't on yet, on the spot. They're set up in minutes, and through the referral program you earn an ongoing reward. No city is gated off, so anyone can join from anywhere.
At launch, across the whole country, with no city gated off. The platform is built to spread on its own as visitors and vendors invite each other. Join the waitlist and we'll tell you the moment we go live.
The same gap exists in every cash-heavy tourist economy where visitors can't pay the people they buy from.
Launching open across the whole country and built to spread as visitors and vendors invite each other, all settling into the GCash everyone trusts.
Bali, Thailand, Vietnam: the same gap and the same playbook on a new local rail.
The way visitors pay local vendors across emerging markets, plus the software those vendors run on.
Join the waitlist and we'll tell you the moment we launch, with no city gated off.
CocoSend