The Future of
Digital Payments
Realtime is a financial technology company that believes core banking services should be helpful, easy, and instant. We profit with our members, not from them.
Instant Transfers
Send and receive money in real time, 24/7
Global Reach
Transfer to anywhere in the world seamlessly
Secure & Trusted
Bank-grade security protecting your money
Who We Are
Realtime® is a financial technology company that believes core banking services should be helpful, easy, and instant. We work with payments institutions to offer products and services that better meet the needs of everyday people.
We want to profit with our members, not from them.
No Monthly Fees
Realtime doesn't rely on monthly service fees and minimum balance requirements.
- Zero maintenance fees
- No hidden charges
Always Safe
Our business was built with important safeguards at the center.
- Bank-grade security
- Protected deposits
Member-First
We offer a member-first banking experience for everyone.
- Spend & save wisely
- Build wealth easily
What Makes Us Different
Disrupting the banking status quo.
Cleiton Chabango
Founder & CEO
In 2025, Realtime founder Cleiton Chabango set out to tackle a fundamental problem he saw in the traditional banking system: it simply wasn't working for everyday people in a global and digital world.
He decided to create a new consumer financial services model—one whose products were designed to work for everyday people, not against them.
"The future of banking is instant, global, and accessible to everyone."
The Problem
The slowness of international payments generates a series of negative impacts for both businesses and individuals.
Cash Flow Problems
Delays compromise liquidity, making it difficult to pay suppliers, salaries, and investments.
Additional Costs
Extra fees, currency conversion losses, and administrative burdens add unexpected costs.
Loss of Trust
Distrust in doing business with companies that take too long to receive or process payments.
The Solution
Every day, global citizens face financial challenges. Too many financial service companies exploit these challenges. Realtime set out to do the opposite.
Transfer money anywhere in the world
In real time • Using your mobile phone or computer
Our Business Model
While old banking platforms rely on punitive fees, Realtime's business model is based primarily on interchange fees—the fees merchants pay to accept card payments.
Traditional Banks
Outdated model
-
Monthly service fees
-
Minimum balance requirements
Realtime
Modern fintech
-
No monthly fees
-
No minimum balance
The Solution
Every day, global citizens face financial challenges. Too many financial service companies exploit these challenges. Realtime set out to do the opposite.
Transfer money anywhere in the world
In real time • Using your mobile phone or computer
Our Business Model
While old banking platforms rely on punitive fees, Realtime's business model is based primarily on interchange fees—the fees merchants pay to accept card payments.
Traditional Banks
Outdated model
-
Monthly service fees
-
Minimum balance requirements
Realtime
Modern fintech
-
No monthly fees
-
No minimum balance
Ready to experience real-time banking?
Join thousands of global citizens who are already enjoying instant, fee-free international transfers with Realtime.
Realtime is a financial technology company, not a bank.