Remintify

Remintify is a university‑integrated payments platform that enables international students to pay tuition and living expenses using fiat‑pegged stablecoins, with self‑custodial wallets and real‑time, line‑item pricing. Students can see exactly what a payment will cost before they commit. It is preparing a controlled pilot on a testnet (no real funds) for students who join its waiting list, while it coordinates production onboarding with early university partners.

Paying for an international education remains stubbornly expensive and stressful. Large‑ticket tuition transfers magnify “small” percentage fees into hundreds of dollars lost on each payment. Legacy bank wires typically combine a flat wire fee with an FX mark‑up hidden inside the exchange rate; consumer fintechs like Revolut or Wise can help for smaller amounts, but their pricing often scales unfavourably on five‑figure transfers, and delivery can still take days. The net result is avoidable cost, uncertainty, and administrative load—precisely at the time students are trying to secure visas, housing, and course registration.

Remintify uses fiat‑pegged stablecoins and regulated on/off‑ramp partners to move payments quickly while preserving compliance at the edges. The platform is designed around three commitments:

1. Transparent, pre‑commit pricing. Before paying, students can see a clear breakdown of costs: on/off‑ramp fee, network fee (typically a fraction of a penny), and the expected university receipt in local currency. There are no hidden FX spreads; conversion assumptions are displayed.

2. Near‑instant settlement. Stablecoin transfers finalise in seconds. Where a university can accept stablecoins directly, funds can be posted nearly immediately.

3. Self‑custodial wallets. Students hold their own keys in their Keplr wallet and explicitly approve sensitive actions. Remintify orchestrates the flow and metadata, not the custody of funds.

When the founder, Avantika, was accepted into postgraduate Master’s programmes in the UK, her first tuition payment incurred over $800 in bank and FX fees. Fintech apps such as Revolut and Wise were not much better once the need to open a local account, FX spreads, fixed fees, and multi‑day settlement times were taken into account.

One payment. Hundreds lost. Zero transparency.

Conversations with classmates made the pattern clear: wires are delayed, exchange rates change mid‑process, banks request extra forms, and parents end up sending a little more “just in case”. Universities require receipts, yet students lack real‑time status or control. It is stressful—and expensive—every term.

In response, the team built Remintify: a student‑first way to move tuition and living funds that is faster, clearer, and costs a fraction of traditional methods. The website is live for prospective users who verify their student email addresses to join the controlled pilot testnet and interact with the platform ahead of production onboarding with university partners.

Student interest—validated via university‑email sign‑ups—already includes Carnegie Mellon, Columbia, MIT, Georgia Tech, and UC Berkeley, with outreach underway to UK institutions such as the University of Edinburgh.

Avantika Ghosh

Role: Founder, Engineer, and CEO of Remintify

Architected a 4-node Cosmos SDK testnet backend integrating a custom PoEM transaction ordering and a stablecoin module for student remittances, sustaining 100 transactions/sec peak throughput and sub-1sec block times.