Subscription Remittance · India Launch 2027

What you send
is what they
receive.

EnRoot delivers the true mid-market rate to your family in India. Zero markup, zero SWIFT fees, zero guesswork. One flat annual subscription.

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No spam · Early access · India launch 2027

Live Rate Comparison Reuters Mid-Market
You send
AED 5,000
Western Union ₹1,26,550
You lose ₹6,185 in fees & markup
Wise ₹1,30,920
You lose ₹1,815 in fees
EnRoot ✦ ₹1,32,735
True mid-market · zero markup
Source: Reuters · AED 1 = ₹25.87 Updated just now
$21.6B
UAE → India annually
71.6%
Still on traditional rails
₹0
FX markup with EnRoot
24hr
Settlement via UPI
No SWIFT
Direct RDA settlement
The Problem

Every transfer,
you're losing money
you can't see.

Exchange houses and banks apply their own FX rate before your money reaches India. It's not a fee. It's a markup embedded in the rate itself. On ₹1.5 lakh per month, that's ₹52,000 lost every year.

Most NRIs don't switch because they don't trust the alternatives. Not because the alternatives don't exist, but because no one has earned their trust.

Annual Loss · AED 5,000/month sender
₹74,220
Lost to markup and fees across all incumbents · per year
  • Western Union: FX markup (2.5%) −₹48,240
  • Western Union: Transfer fee −₹5,980
  • Bank wire: SWIFT fees −₹18,000
  • Wise: 0.8% per transfer −₹21,780
How It Works

Four steps. No detours.

Money travels direct from your account to your family's UPI in India. No SWIFT. No correspondent banks. No markup.

01
Rate Lock

See the live Reuters mid-market rate. Confirm your transfer. The exact INR your family receives is locked (immutably) before you pay.

Reuters API
02
AED Collected

Your AED goes directly to our DIFC-licensed entity. No exchange house. No third-party markup. We receive the funds and apply the locked rate.

DIFC ITL
03
RDA Settlement

A data instruction (not SWIFT) travels to our AD Category I bank partner in India. Fully FEMA compliant. RBI reported. Zero correspondent bank fees.

RDA Rails
04
UPI Credit

Exact INR credited to your family's UPI ID within 24–48 hours. Both of you notified simultaneously. eFIRC generated automatically.

Instant UPI
Why EnRoot
⟷
True Mid-Market Rate

Reuters rate at exact booking timestamp. No hidden markup. No spread. What the rate shows is what recipient gets.

◎
Subscription, Not Per Transfer

One flat annual fee. Send as often as you want. Every transfer is equally free. No incentive for us to take a cut.

⌘
Community Trust Network

Hyperlocal Points of Contact across Kerala and Punjab. Your family can reach a real person in their district. Not a chatbot.

"The exchange house knows exactly
what they're taking.
Now you will too.

With EnRoot, it's zero."

Built by Indian founders who watched fees silently erase money sent home. Designed specifically for the NRI community. Trusted through community.

DIFC Licensed RDA Settled FEMA Compliant RBI Reported UPI Delivered Zero Markup
The Trust Layer

Trust travels
through people.

No app earns trust in a WhatsApp group. Real trust comes from the person your family already knows: the retired bank manager in Malappuram, the local business owner in Thrissur, the mosque committee member in Kozhikode.

Every EnRoot subscriber's family has a local Point of Contact. a real person in their district they can call if anything feels uncertain. Not a helpline. Not a ticket. A person.

Malappuram
District POC
Retired Bank Officer · 14 years SBI
Thrissur
District POC
Local Business Owner · Community leader
Kozhikode
District POC
Mosque Committee · Trust figure
Ernakulam
District POC
NRI Welfare Association
Pricing

One fee. No surprises.

Pay once a year. Send as much as you want. Zero per-transfer charges. Zero markup. Ever.

Standard
₹16,999
per year · billed annually
Monthly limit: Up to ₹3 Lakhs / transfer
  • True mid-market rate, zero markup
  • Unlimited transfers within limit
  • 24–48 hour UPI settlement
  • Real-time tracking for sender and recipient
  • eFIRC auto-generated
  • Kerala POC network access
  • Malayalam customer support
Ultra
₹34,999
per year · billed annually
Monthly limit: Unlimited transfers
  • Everything in Standard
  • Unlimited transfer amounts
  • Priority settlement queue
  • Dedicated account support
  • Business and personal transfers
  • Multi-recipient management
  • Early access to new corridors

Waitlist members lock in founding member pricing · Limited spots available

Your family deserves
every rupee you send.

Join the waitlist. Be among the first 500 subscribers. Get founding member pricing and direct access to the team.

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No payment required now · India launch 2027 · 100% free to join waitlist