RemitWatch — The Macro Zoom Pipeline

London → Nairobi

Amina is a nurse.
She sends money home.

She sends £500. Eight coins enter the pipeline. Four possible places they can leak before Nairobi. Scroll to follow the money.

Leak 01 · Transfer fee

The fee you can see.

Shown before you press Send. TransferGo charges £7.15. SendFree shows £0 — but keep scrolling.

Visible — shown upfront

Leak 02 · FX margin

The fee hiding in the rate.

Real rate: 175.375 KES. Provider gives: 173.700 KES. That hidden gap costs Amina £4.78. Invisible on screen.

Hidden — buried in rate

Leak 03 · Correspondent fee

Charged between banks.

Banks routing the transfer charge each other a toll. Neither Amina nor her mother sees it. Silently reduces the amount.

Hidden — between banks

Leak 04 · Receiving fee

Charged on arrival.

Some providers deduct a cut when the money is collected in Nairobi. Happens after Amina pressed Send. She never saw it coming.

Sometimes hidden

Nairobi · Arrived

Here's what actually arrived.

≈ £479 reaches mother. £21 lost across four leaks. The UN says max £15. Commercial banks charge 3× more.