KrillPay is a cross-border digital banking service for both African migrants in the United States and the unbanked in Sub-Saharan Africa. Problem: In Sub-Saharan Africa, approximately 360 million adults do not have a bank account. With about 90% of all transactions conducted in cash, the region has one of the world's lowest access to banking services. While 2/3 of Africans have a mobile phone, millions of them lacked access to a cost-effective payment method to receive cross-border remittances from their friends and family in the United States. The few options that do exist are very expensive, costing African immigrants approximately $16 billion per year in fees from global remittances to Africa. Solution: A multicurrency digital banking service that connects African migrants in the United States with their family and friends in Africa. How KrillPay Works: A KrillPay user in the United States can send international remittances directly to another KrillPay user in Sub-Saharan Africa for free.