Loadit×MoneyGramPartnership Brief · Confidential
The simplest way to turn cash into any crypto — on your rails.
Loadit is the AI money app for the cash economy. MoneyGram Ramps is the licensed cash-in rail. Together we give 350,000+ counters a modern, non-custodial front-end: cash in, any crypto out, in one tap — with MoneyGram as the regulated money-transmitter and Loadit as the intelligence that routes the rest.
How it works
1
Pay cash at MoneyGram
The user shows a Loadit code at any of 350,000+ MoneyGram locations and hands over cash. MoneyGram verifies identity at the counter.
2
Cash → USDC on Stellar
MoneyGram Ramps converts the cash to USDC on Stellar — the licensed, regulated leg. Loadit never touches it.
3
HQ swaps to the chosen asset
Loadit's AI, HQ, bridges and swaps the USDC into whatever the user picked — Bitcoin, Solana, Ethereum — via a licensed liquidity provider.
4
Lands in the user's wallet
The asset is delivered to a wallet the user controls. They never hold Stellar USDC or need a Stellar wallet.
Cash → MoneyGram → USDC on Stellar→ HQ swaps → BTC / SOL / ETH→ user's wallet
Why Loadit is the right wallet partner
Non-custodial by construction
Loadit orchestrates; it never holds funds. That's structurally aligned with how Ramps works — MoneyGram stays the money-transmitter of record.
HQ removes the crypto learning curve
Users don't pick chains, bridges, or wallets to fund. They say what they want; HQ routes cash → USDC → asset in one flow.
Live product, real users
The iOS app is shipping with HQ, the Load flow, and live provider quotes. This is a front-end ready to send you volume, not a concept.
Transparent 0.75% fee
One flat, visible fee — cheaper than banks, cards, and crypto ATMs. Simple pricing that spreads by word of mouth in cash-first communities.
Pricing — transparent, end to end
MoneyGram Ramps fee (USDC)
$15 – $99$2
$100 – $999$2 + 1%
$1,000 – $2,500$10 + 0.5%
Plus Loadit's 0.75% ($1 minimum) and a visible 0.25% on the HQ swap leg — the only fees we add. No spread, no markup on the asset.
What the user pays, all-in
Cash inMoneyGramLoaditAll-in
$100$3.00$1.254.3%
$250$4.50$2.512.8%
$500$7.00$5.002.4%
2–4% all-in vs 10–20% at crypto ATMs and ~4.5%+ on card on-ramps — the cheapest way to turn cash into crypto.
Projected volume — what it's worth to both of us
StageActive usersCash volumeMoneyGram earnsLoadit earns (~1%)
Pilot1,000$300K / mo$7K / mo$3K / mo
Growth10,000$3M / mo$70K / mo$30K / mo
Scale100,000$40M / mo$800K / mo$400K / mo
At scale1M$400M / mo$8M / mo$4M / mo
Category leader10M$4B / mo$80M / mo$40M / mo
The ceiling100M$40B / mo$800M / mo$400M / mo
Assumes 2 loads per active user per month at a $150–200 average, priced on the Ramps tiers above; Loadit's take is 0.75% ($1 min) plus 0.25% on the HQ swap leg (~1% blended). Every dollar of Loadit volume pays MoneyGram about 2× what it pays Loadit — our growth is your revenue. At 10M+ users the rows are illustrative ceilings, not forecasts: 100M users is the scale of the global cash economy itself — roughly double MoneyGram's entire current annual customer base, reachable only together. Cash-out (off-ramp, 174 countries) and larger corridors are upside on top.