Quikz

What Quikz does

Quikz is a mobile-first remittance service that enables US-based customers to send money to recipients in the Philippines through a self-serve iOS/Android application and a parallel web platform at app.quikz.com. The service is operated as a strategic partnership between Cebuana Lhuillier, the Philippines' largest non-bank financial services provider owned by PJ Lhuillier Group of Companies (PJLGC), and Pangea Money Transfer, with Pangea USA, LLC serving as the licensed US money transmitter that provides regulatory and processing infrastructure. Quikz's core product enables transfers between $20 and $2,999 per transaction, capped at $6,000 per 30-day period, at a flat $3.95 fee with exchange rates displayed in real time before transaction confirmation.

The platform supports three payout rails in the Philippines: cash pickup at 4,000+ Cebuana Lhuillier branches and 1,000+ domestic partner locations, direct bank deposits at 70+ Philippine banks, and e-wallet transfers to GCash, Maya, Coins.ph, GrabPay, and Starpay. Each transaction generates a unique transfer code delivered via SMS to the recipient for pickup verification, with status updates pushed through SMS and Viber notifications. The technology stack is mobile-first and consumer-grade, leveraging standard payment processors (Vantiv for card transactions, Wells Fargo for ACH) and a partner bank (Green Dot Bank) for debit card functionality. The service is currently available in 40+ US states, with stated expansion plans to additional jurisdictions.

Quikz monetizes solely through transaction fees on a pay-as-you-go basis, with no subscription, account, or hidden fees. Go-to-market is product-led growth combined with community-led acquisition: new customers receive a promotional higher exchange rate on their first transfer, and a $25 dual-sided referral credit incentivizes viral expansion within the Filipino diaspora. The customer base is exclusively consumer retail—Overseas Filipino Workers (OFWs) and Filipino-American individuals sending personal remittances for family support—with no enterprise or SMB segment, and all revenue is derived from a single US-to-Philippines corridor.

Name

Quikz

Legal name

Pangea USA, LLC

Website

https://quikz.com

Company type

Private

Founded year

1988

Operating status

Operating

Short description

Quikz is a mobile-first remittance service that enables US-based Overseas Filipino Workers and Filipino diaspora customers to send money to the Philippines via cash pickup at 4,000+ Cebuana Lhuillier locations, 70+ bank deposits, or major e-wallet transfers, operated jointly by Pangea USA, LLC and Cebuana Lhuillier.

Ownership category

akta.pro rank

Product category

Cross-Border Remittance Services

akta.pro primary industry

Consumer P2P International Remittances (FSAGAKAA)

akta.pro secondary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

Keywords

• Cross-border remittance
• Mobile money transfer
• US to Philippines remittance
• Digital remittance services
• Person-to-person payments

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Operations, Marketing or Sales, Personnel, Infrastructure

Revenue model

1. Transaction Fees: Standard fee of $3.95 per money transfer transaction, regardless of the amount sent. No hidden fees; fee and exchange rate disclosed before transaction confirmation.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Quikz is a mobile-first remittance service that enables individuals in the US to send money to the Philippines in seconds via an iOS/Android app or web platform. Recipients can pick up cash at 4,000+ Cebuana Lhuillier locations across the Philippines, receive direct bank deposits to 70+ Philippine banks, or get funds credited to e-wallets such as GCash, Maya, Coins.ph, GrabPay, and Starpay. The service charges a flat $3.95 fee per transfer and is operated under Pangea USA, LLC, a licensed US money transmitter, in partnership with PJ Lhuillier Group of Companies (Cebuana Lhuillier).

Product overview

Quikz is a mobile-first remittance service operated as a partnership between Cebuana Lhuillier (a leading Philippine non-bank financial services provider) and Pangea Money Transfer (a US-based remittance provider). The core offering consists of the Cebuana Lhuillier Quikz mobile application (available on iOS and Android) and a complementary web platform. Users can send money from the US to the Philippines using three receiving methods: (1) cash pickup at over 4,000 Cebuana Lhuillier locations and 1,000+ domestic partner locations, (2) direct bank deposit to over 70 Philippine banks, and (3) e-wallet transfers to GCash, Maya, Coins.ph, GrabPay, and Starpay. The service charges a flat $3.95 fee per transfer with exchange rates displayed before confirmation.

Differentiator

Problem solved

Functional benefit

Products and services

• Cebuana Lhuillier Quikz Mobile App A mobile application (iOS and Android) that enables users in the US to send money remittances to the Philippines. Users can initiate transfers between $20 and $2,999 USD, with multiple receiving methods including cash pickup at Cebuana Lhuillier branches, direct bank deposit to 70+ Philippine banks, and e-wallet transfers to GCash, Maya, Coins.ph, GrabPay, and Starpay. Targeted at individual Filipino consumers in the US sending money to family in the Philippines.
• Cebuana Quikz Web Platform A web-based remittance platform accessible at app.quikz.com that provides the same money transfer functionality as the Quikz mobile app, allowing users in the US to send money to the Philippines directly from their browser without downloading an app. Targeted at individual users who prefer desktop or browser-based transfers.

Quantifiable outcome

• Transfers can be completed in seconds
• +3 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• PJ Lhuillier Group of Companies (PJLGC)coreStrategic or Co-development Partner · 1 January 1988Parent company of Cebuana Lhuillier, the Philippines' leading non-bank financial services provider. PJLGC formally established in 1988 and owns/operates businesses in financial services (pawning, remittance, microinsurance), retail, hotel/restaurant, IT, sports management, and real estate.
• Pangea Money Transfer (Pangea USA, LLC)coreStrategic or Co-development PartnerPartnership with Pangea Money Transfer to develop the Quikz mobile remittance solution. Pangea USA, LLC serves as the licensed money transmitter providing all money transmission services. Pangea handles processing of all money transmissions sent through the Quikz app.
• Green Dot BanksupportingTechnology or IntegrationPartnership with Green Dot Bank for Pangea Debit Card services. Green Dot Bank provides the infrastructure for debit card functionality within the Pangea/Quikz ecosystem.
• Vantiv and Wells FargosupportingTechnology or IntegrationThird-party payment processors used by Pangea to process debit card and ACH payments. Vantiv processes card payments while Wells Fargo handles ACH bank transfers.
• Cebuana LhuilliercoreStrategic or Co-development PartnerCebuana Lhuillier is the Philippines' leading and largest non-bank financial services provider specializing in pawning, remittance, and microinsurance. Provides the 4,000+ physical pickup locations across the Philippines where Quikz recipients can collect cash transfers.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Sendwave: Sendwave is a mobile-first remittance app (owned by Zepz) focused on diaspora corridors with mobile money and bank deposit payouts. Comparable mobile PLG motion targeting working-class migrants, with strong PH/Asia presence.
• Paysend: Paysend is a UK-headquartered digital remittance platform serving 70+ countries including Philippines with card-based transfers and bank/e-wallet rails. Comparable cross-border digital offering with similar target customers and pricing transparency.
• Wise: Wise (formerly TransferWise) is a digital cross-border payments platform offering US-to-Philippines transfers with mid-market FX and transparent fees. Competes with Quikz for price-sensitive OFW senders, especially those prioritizing FX margin over cash pickup convenience.
• Remitly: Remitly is a US-based digital-first remittance app serving the exact same US-to-Philippines corridor as Quikz, with comparable mobile UX, transparent pricing, and bank/e-wallet payout rails (including GCash). Direct head-to-head competitor for OFW senders; the most relevant peer.
• Xoom (PayPal): Xoom is PayPal's international remittance service covering US-to-Philippines with bank deposit, cash pickup, and home delivery. Direct competitor with strong brand recognition and integrated PayPal funding; targets the same OFW segment.
• WorldRemit: WorldRemit is a digital remittance platform with a strong Philippines corridor presence, offering mobile wallet (GCash), bank deposit, and cash pickup payouts. Closely comparable business model and target demographic to Quikz.

Emerging players

• LemFi: LemFi is an emerging digital remittance app focused on diaspora corridors (including Asia/Philippines) with mobile-first UX and competitive FX. Emerging peer targeting similar mobile-native OFW/diaspora segments with a leaner cost structure.

Broad incumbents

• MoneyGram: MoneyGram is a broad money transfer incumbent serving the US-Philippines corridor with cash pickup and digital deposit options. Larger portfolio but overlaps directly with Quikz's core offering for OFW senders and Cebuana-collectable cash pickup.
• Western Union: Western Union is the dominant incumbent money transfer operator globally with a massive Philippines agent network (including overlap with Cebuana Lhuillier). Competes on trust and agent density rather than digital UX, but remains the default cash-pickup choice for many OFWs Quikz targets.

Others

• GCash (Mynt / Globe Fintech Innovations): GCash is the Philippines' dominant e-wallet, integrated as a payout rail by Quikz. Also offers its own inbound remittance service via GCash Overseas, making it both a critical partner and a potential competitive threat at the recipient side of the corridor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cebuanaquikz
• Facebookfacebook.com/PangeaMoneyTransfer
• Instagraminstagram.com/gopangea

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Quikz