Send money.Prove care.

Transfer money to loved ones and ensure it is used for verified healthcare services.

Purpose driven transactions. Every transfer has a verified outcome.

Get Early Access How it works

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Healthcare confirmed

Care delivered to your recipient as intended

Verified outcome

What is a purpose driven transaction?

A transfer where funds are directed to a specific, verified use case such as healthcare, with confirmation once delivered.

How It Works

Verified Remittance in 3 Simple Steps

From Stockholm to Dhaka. Your money arrives with proof.

Send

Initiate a transfer via the Hamida mobile app or local agent. Funds are secured on EU-licensed, regulated rails.

Allocate

Select a verified healthcare purpose: medicine, hospital bill, or doctor visit. Funds are locked to the specific provider.

Confirm

The provider receives payment. You receive digital proof of care delivery, so diversion risk is eliminated.

The Problem

Healthcare is the Biggest Unmet Need in Remittance

280M migrants send $905B annually. 75% goes to healthcare and essentials. But senders have zero proof their money improves family welfare.

The blind spot in every corridor

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Sender

Stockholm

You wire funds. You get no proof:

Her meds: actually paid for?
His doctor: actually seen?
Should we get a second opinion?
Did she get the right dosage?

Black box

Transfer clears. Proof never arrives.

🇧🇩

Family

Bangladesh

Who you send for is still invisible to you:

Lives on the line, with no proof it reached care

Zero Outcome Visibility

Families send money hoping it reaches healthcare. No way to verify if mum got her medicine or dad saw the doctor.

Healthcare Financial Stress

43% of households face out-of-pocket medical costs. 15–20% of household income goes to healthcare in emerging markets.

No Market Solution

Incumbents move money but provide zero tracking. Telemedicine platforms can't move money across borders.

Trust Drives Economics

20–30% of healthcare remittances are diverted without verification systems. Trust unlocks retention.

Founder's mother and child, the inspiration behind Hamida

“For her, it was never just about money. It was about dignity, care, and responsibility.”

Rajib Talukder, Founder & CEO

Our Story

Built on real remittance experience

Hamida is built on direct experience in cross-border payments and how remittances are used in real life. Funds are often sent for essential needs such as healthcare, yet there is little visibility on how they are used.

Hamida introduces purpose driven transactions, allowing senders to direct funds toward verified healthcare services with confirmation of delivery.

Built on 19+ years of experience in cross-border payments across the Nordics, with deep expertise in agent networks and remittance operations.

Trust and compliance

Regulatory framework

Hamida FS AB is preparing to operate as an agent of IYU Europe, a payment institution authorized and regulated by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) in France. Payment services will be provided by IYU Europe under its regulatory framework.

For more on data handling, see our Privacy Policy.

Early access

Get Early Access

Share your name and email and we will be in touch about early access to Hamida.