In 2017, international remittance reached $500 billion according to a world bank report. This gave hope to the global community to search for technologies that will improve money transfer service i.e.; reliability, safety and brings ultimate positive impact on cross-border payments. Across globe peer-to-peer money transfers, cross border money transfers are also part of remittance, and one of the integral parts of societies of developing markets where funds matter a lot. But in 2020 due to COVID-19 pandemic Remittances to low and middle-income countries (LMICs) are projected to fall by 19.7 per cent to $445 billion, representing a loss of a crucial financing lifeline for many vulnerable households.

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