Compared to the valuations of the white colour money transfers such as transferwise, the value creation of the blue colour money remittance companies seem to have been more challenging.  The company has to date focused on providing remittance services to individuals, specifically to help people  living and working abroad to send money to friends and family back home, by way of an app. That business now covers 50 ‘send’ countries and 150 ‘receive’ countries, and some 4 million users, with the US (where it has a license to operate in all states) its biggest ‘send’ market today.