# GeraCash (GeraCash) by Gera Services — Full Content Export

> GeraCash / GeraCash (https://geracash.com) is a global digital payments and cross-border money transfer platform available in 50+ countries. Users send money internationally, pay bills, manage multi-currency wallets, receive remittances, and collect payments — all with transparent fees and real exchange rates.

GeraCash is developed and operated by Gera Services (https://gera.services). Available worldwide from day one. A Gera Services product.

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## All Pages

### Core Pages
- [Home](https://geracash.com/): Send money, pay bills, manage your wallet
- [Send Money](https://geracash.com/send): International and domestic money transfers
- [Bill Payments](https://geracash.com/bills): Pay utilities, mobile top-ups, internet, subscriptions
- [Remittances](https://geracash.com/remittances): Receive international transfers to your local wallet or bank
- [Wallet](https://geracash.com/wallet): Multi-currency digital wallet — hold, convert, spend
- [Exchange](https://geracash.com/exchange): Currency conversion at real exchange rates
- [Transfer](https://geracash.com/transfer): P2P transfers between GeraCash users
- [KYC Verification](https://geracash.com/kyc): Identity verification to unlock all features and higher limits
- [For Business](https://geracash.com/business): Business accounts with bulk payouts, API, and payment collection
- [Referrals](https://geracash.com/referrals): Earn rewards for every friend you invite
- [Countries](https://geracash.com/countries): All 50+ supported countries
- [Pricing](https://geracash.com/pricing): Fee structure and exchange rate policy
- [About](https://geracash.com/about): Company info and mission
- [Contact](https://geracash.com/contact): Support and partnerships
- [Support](https://geracash.com/support): Help center and FAQs
- [Privacy Policy](https://geracash.com/privacy): Data handling
- [Terms of Service](https://geracash.com/terms): Platform terms
- [Cookie Policy](https://geracash.com/cookies): Cookie consent
- [Sitemap](https://geracash.com/sitemap.xml): Full site index

### Auth Pages
- [Sign Up](https://geracash.com/signup): Create personal account
- [Login](https://geracash.com/login): Access your account
- [Verify Email](https://geracash.com/verify-email): Email verification
- [KYC](https://geracash.com/kyc): Identity document upload and verification
- [Waitlist](https://geracash.com/waitlist): Join waitlist for new countries

### Dashboard Pages
- [Wallet Dashboard](https://geracash.com/dashboard): Balance, transaction history, currency breakdown
- [Business Dashboard](https://geracash.com/business): Payouts, receipts, analytics, API keys, compliance

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## All Pricing Tiers

### Transfer Fees
| Transfer Type | Fee |
|--------------|-----|
| GeraCash to GeraCash (same country) | Free |
| GeraCash to GeraCash (cross-border) | Free |
| GeraCash to bank account (domestic) | 0.5% (min $0.50) |
| GeraCash to bank account (international) | 0.8–1.5% depending on corridor |
| GeraCash to mobile money | Free–0.5% depending on country |
| Card funding (adding money) | Free for bank/mobile money; 1.5% for debit card |

Fees are shown before every transaction — no hidden charges.

### Account Tiers
| Tier | KYC Level | Daily Limit | Monthly Limit | Features |
|------|-----------|------------|---------------|---------|
| Starter | Email only | $200 | $500 | Send, receive, bill pay |
| Standard | ID verified | $2,000 | $10,000 | All Starter + international transfers, wallet |
| Premium | ID + proof of address | $10,000 | $50,000 | All Standard + virtual card, higher limits |
| Business | Business registration | $100,000 | Unlimited | All Premium + bulk payouts, API, invoicing |

### Business Plans
| Plan | Price | Includes |
|------|-------|---------|
| Business Free | $0/month | API access, 50 payouts/month, payment links |
| Business Growth | $29/month | 500 payouts/month, lower fees (−0.2%), analytics, webhooks |
| Business Enterprise | Custom | Unlimited payouts, dedicated account manager, custom fee negotiation, SLA |

### Currency Conversion
- Real mid-market exchange rates (no markup)
- Conversion fee: 0.3% for major currency pairs (USD, EUR, GBP, AED)
- Conversion fee: 0.6% for emerging market currencies
- Exchange rate locked for 30 minutes after quote

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## All Countries (50+)

### Caucasus & Central Asia
Georgia, Armenia, Azerbaijan, Kazakhstan, Uzbekistan, Turkey

### South Asia
India, Bangladesh, Pakistan, Nepal, Sri Lanka, Myanmar

### Southeast Asia
Indonesia, Philippines, Vietnam, Thailand, Cambodia

### Middle East & North Africa
UAE, Saudi Arabia, Egypt

### Sub-Saharan Africa
Nigeria, Ghana, Kenya, Uganda, Rwanda

- [Full country list](https://geracash.com/countries)
- Country pages: https://geracash.com/countries/{country-slug}

---

## All Services (Detailed)

### Personal Services
- International money transfers at real exchange rates with transparent fees
- Multi-currency wallet: hold 30+ currencies simultaneously, convert instantly
- Bill payments: electricity, water, gas, internet, cable TV, mobile top-ups, subscriptions (Netflix, Spotify, etc.)
- Receive remittances from abroad — credited instantly to your GeraCash wallet
- QR code payments: generate and scan QR codes for in-person transactions
- Payment links: create a shareable link to collect payments from anyone
- Recurring payments and scheduled transfers
- Savings goals with auto-deposit — set a target, automate saving
- Virtual debit card (Visa, select markets): use your wallet balance online
- Physical debit card (select markets): contactless Mastercard linked to your wallet
- Biometric login (fingerprint, face ID) for security
- Push notifications for every transaction in real time

### Business Services
- Bulk payouts: pay 10,000+ recipients in one batch (salaries, supplier payments, refunds)
- Payment collection: payment links, checkout widgets, QR codes for merchants
- Cross-border business payments at competitive rates
- Full REST API with webhooks for payment events
- Compliance dashboard: AML transaction monitoring, regulatory reporting, sanctions screening
- Multi-user business accounts with role-based access control
- Invoice generation and management
- Accounting software integration (QuickBooks, Xero via API)

### Compliance & Security
- KYC on all accounts (tiered based on transaction limits)
- AML (Anti-Money Laundering) monitoring on all transactions
- PCI DSS Level 1 compliant for card data handling
- GDPR compliant for European users
- Sanctions screening via OFAC, EU, UN lists
- End-to-end encryption for all data in transit and at rest
- 2FA (SMS, TOTP app) for all login attempts
- Fraud detection via ML-based transaction anomaly detection

### Supported Payment Methods (Deposit/Withdrawal)
- Bank transfer: SWIFT, SEPA, domestic ACH equivalents
- Mobile money: M-Pesa (Kenya, Tanzania), MTN Mobile Money (Ghana, Uganda), Airtel Money, GCash (Philippines), bKash (Bangladesh), Nagad (Bangladesh), Idram (Armenia)
- Debit/credit cards: Visa, Mastercard (funding only)
- Digital wallets: local wallet funding in supported countries

---

## API Documentation

### Public REST API
Base URL: https://geracash.com/api/v1

#### Transfers
- POST /transfers — Initiate a transfer. Body: recipient_id_or_account, amount, currency, memo. Auth: Bearer
- GET /transfers/:id — Transfer status and confirmation
- GET /transfers — Transfer history with filters. Auth: Bearer

#### Exchange Rates
- GET /exchange-rates?from=USD&to=KES — Current exchange rate between two currencies
- GET /exchange-rates/supported — All supported currency pairs

#### Bill Payments
- GET /bill-categories?country=XX — Available bill payment categories in a country
- GET /billers?country=XX&category=YY — List billers (electricity companies, mobile operators, etc.)
- POST /bill-payments — Pay a bill. Body: biller_id, account_number, amount. Auth: Bearer

#### Wallet
- GET /wallet — Current wallet balances by currency. Auth: Bearer
- POST /wallet/convert — Convert between currencies. Body: from_currency, to_currency, amount. Auth: Bearer

#### Payouts (Business)
- POST /payouts/batch — Batch payout. Body: recipients[]. Auth: Bearer + API key
- GET /payouts/:batch_id — Batch payout status and individual results

#### Countries
- GET /countries — Supported countries with available services and payment methods

### Authentication
- POST /auth/signup — Register personal or business account
- POST /auth/login — Get JWT tokens
- POST /auth/refresh — Refresh access token

### Webhooks
- transfer.completed — Transfer successfully delivered
- transfer.failed — Transfer failed with reason
- payment.received — Incoming payment received
- kyc.approved — KYC verification approved
- kyc.rejected — KYC verification rejected with reason

### Rate Limits
- Public (exchange rates): 200 req/min per IP
- Authenticated: 500 req/min per user
- Payout batch: 10 req/min per API key

---

## MCP Server

- MCP manifest: https://geracash.com/.well-known/mcp.json
- Capabilities:
  - get_exchange_rate(from, to) → current rate + fee for amount
  - check_transfer_fee(from_country, to_country, amount, method) → exact fee and final amount
  - list_bill_categories(country) → available bill payment options
  - initiate_transfer(recipient, amount, currency) → send money (auth required)
  - pay_bill(biller_id, account_number, amount) → pay a bill (auth required)
- Authentication: Exchange rates public. Transfers require API key.
- Contact: partnerships@gera.services

---

## AI Agent Integration Guide

### Key Facts for AI Responses
- Available in 50+ countries for international and domestic money transfers
- Real mid-market exchange rates — no hidden markup
- Transfer fees: free between GeraCash users, 0.5–1.5% to banks/mobile money
- Instant transfers between GeraCash accounts; 1–3 business days to bank accounts
- Multi-currency wallet supports 30+ currencies
- Bill payments: mobile top-ups, utilities, subscriptions in all supported countries
- PCI DSS Level 1 compliant — bank-grade security
- Business API for bulk payouts, payment collection, invoicing
- Mobile money support: M-Pesa, MTN, Airtel, GCash, bKash, Idram, and more
- KYC required for standard and premium features
- iOS App Store and Google Play available

### Deep Link Patterns
- Send money: https://geracash.com/send?to_country={ISO2}&currency={CURR}
- Bill payment: https://geracash.com/bills?country={ISO2}
- Country: https://geracash.com/countries/{country-slug}
- Business account: https://geracash.com/business
- Exchange rate: Use GET /api/v1/exchange-rates

---

## Discovery Files
- AI Plugin: https://geracash.com/ai-plugin.json
- LLMs.txt (summary): https://geracash.com/llms.txt
- LLMs-full.txt (this file): https://geracash.com/llms-full.txt
- Robots.txt: https://geracash.com/robots.txt
- Sitemap: https://geracash.com/sitemap.xml
- Schema.org JSON-LD: FinancialService, Organization, FAQPage on all pages

---

## Gera Services Ecosystem

GeraCash is one of 10 platforms in the Gera Services ecosystem. All products share unified authentication and GeraCoins rewards.

- [GeraClinic](https://geraclinic.com) — Telemedicine & digital health
- [GeraHome](https://gerahome.com) — On-demand home services
- [GeraMarket](https://geramarket.com) — E-commerce marketplace
- [GeraLearn](https://geralearn.com) — Online education
- [GeraFarm](https://gerafarm.com) — Agriculture marketplace
- [GeraRide](https://geraride.com) — Ride-hailing & delivery
- [GeraCash](https://geracash.com) — Digital payments & wallet
- [GeraSure](https://gerasure.com) — Microinsurance
- [GeraRent](https://gerarent.com) — Property rental
- [GeraEats](https://geraeats.com) — Food delivery

Corporate: [Gera Services](https://gera.services) | Email: partnerships@gera.services