Tbili · LIKE A KING INC.

How to send money from the US to Georgia and 15 other countries with the rate and fee shown up front

A pre-launch money app for sending dollars from the US abroad, with one flat fee and the licensed partner named on every receipt.

You send $500 home. The app shows a rate. A day later, the person on the other end receives less than you expected, and when you go back through the receipt, the difference is split between a fee and a rate you cannot compare to anything. Nobody lied, exactly. The number that mattered was never on the screen before you paid.

Tbili is built on one sentence: the rate is the rate, the fee is on screen, the licensed partner is named. We are at the pre-launch stage, so this article is as much about how it will work as about what exists today.

What is Tbili?

Tbili is a money app by LIKE A KING INC., a small New York software studio. You send money from the US, and the main corridor is Georgia, the country: the recipient can receive Georgian lari (GEL), US dollars or euros. It also supports sending to Ukraine, Armenia, Azerbaijan, Moldova, Kazakhstan, Kyrgyzstan, Uzbekistan, Mexico, Guatemala, Honduras, El Salvador, the Dominican Republic, Colombia, Peru and Brazil. Delivery depends on the country and can be a bank deposit, a debit card or cash pickup. There are also business plans for paying contractors abroad.

What problem does it solve?

People who send money to family and contractors abroad compare options by guesswork. Fees and exchange margins are often bundled. Tbili's answer is to show the live mid-market rate and one flat fee before you pay, so you can see the whole cost and decide.

How does it work?

• The rate. Tbili shows the live mid-market rate.
• The fee. One flat fee: $1.99 plus 0.4%. By that formula, a $500 transfer carries $1.99 plus $2.00, or $3.99. You see it on screen before you pay.
• Cancellation. You can cancel within 30 minutes and get a full refund.
• Who holds the money. Tbili is software and never holds money. A licensed money transmitter partner moves and holds the funds, and that partner is named on every receipt.
• Compliance. US sanctions screening runs on every transfer.
• Delivery. Bank deposit, debit card or cash pickup, depending on the country.

Who is it for?

Individuals in the US sending money to family or friends in the countries above, and businesses paying contractors abroad.

How much does it cost?

For people, the flat fee is $1.99 plus 0.4% per transfer, with the live mid-market rate shown.

For businesses, with a 14-day trial, in USD:

• Starter: $29 a month, 5 contractors.
• Team: $79 a month, 25 contractors.
• Business: $199 a month, unlimited contractors and API access.

Nothing is charged today. Tbili is pre-launch.

How is it different from the obvious alternatives?

Banks and wire transfers are familiar and widely accepted, and they can carry fixed fees and exchange margins that are hard to compare. Established remittance apps have large networks, many payout locations and long track records, and Tbili does not match them on scale today. Our difference is presentation and focus: one fee, the mid-market rate and the partner's name on the receipt. Cash and informal methods are quick and personal, though they leave no receipt trail you can use later. The right choice depends on your corridor and your priorities.

What it can't do yet

• It is pre-launch. The waitlist is open. Transfers queue, and nothing is charged until the licensed partner is live. Partner conversations are under way, and we are not naming partners yet.
• Payout methods depend on each country, so not every option exists everywhere.
• We are not publishing delivery times because we have no verified figures.

What's next?

Planned features are request-a-payment links, recurring transfers, rate alerts, Spanish, a Tbili debit card with Apple Pay and Google Pay, and tap-to-get-paid on your phone. These are plans, with no dates.

The business behind it

Money sent from the US to family and contractors abroad is a large, recurring flow, and people feel the cost every time. Tbili's revenue model has three parts: the per-transfer fee, a share of the partner's FX margin, and business subscriptions ($29, $79 and $199 a month). The structure is intentional. Because Tbili is software and the licensed partner moves and holds the funds, we can focus on product and transparency rather than on holding balances. Distribution starts with the waitlist and the corridors we are launching first. We are pre-launch: there is no revenue, user count or transfer volume to report, and we are not claiming any. The thing we believe is defensible is trust built by showing everything: the rate, the fee and the partner's name, every time.

FAQ

Is Tbili live?

No. It is pre-launch with a waitlist. Transfers queue and nothing is charged until the licensed partner is live.

Does Tbili hold my money?

No. A licensed money transmitter partner moves and holds the funds and is named on every receipt.

What does it cost to send money?

One flat fee of $1.99 plus 0.4%, with the live mid-market rate shown before you pay.

Can I cancel a transfer?

Yes, within 30 minutes, with a full refund.

Which countries can I send to?

Georgia (receive in lari, US dollars or euros), Ukraine, Armenia, Azerbaijan, Moldova, Kazakhstan, Kyrgyzstan, Uzbekistan, Mexico, Guatemala, Honduras, El Salvador, the Dominican Republic, Colombia, Peru and Brazil.

Is there a plan for businesses?

Yes: Starter $29 a month (5 contractors), Team $79 (25), Business $199 (unlimited, with API access), with a 14-day trial.

Try it: https://tbilipay.com (join the waitlist)

Written with AI assistance and reviewed by the LIKE A KING INC. team. LIKE A KING INC. is a software studio in New York.