As we step into 2026, I’ve been reflecting on what 2025 has meant not just for Zepz, but for the millions of people who trust us with something deeply personal: supporting the people they love across borders.
2025 was a year of focused execution in service of those customers. Across both WorldRemit and Sendwave, we strengthened the foundations of our platform and invested in what matters most to customers: safety, trust, reliability and a simpler experience from start to finish. We improved speed and resilience across our systems and made progress in how we use artificial intelligence to make better decisions and help customers get support faster when they need it.
That same discipline shaped how we ran the business. Over the past few years, we’ve reduced complexity and built a more resilient cost base while also lowering annual operating expenses by almost 50%. These changes matter because they give us the stability and flexibility to keep investing with confidence. That foundation is translating into accelerated profitable momentum. We have achieved over 20 percent volume growth for the year and have exited Q4 2025 with 25 percent revenue growth.
– Mark Lenhard – CEO
But we’re just getting started. One of the most significant milestones of the year was the launch of the Sendwave Wallet. For many people living and working across borders, managing money is still defined by uncertainty. Local currencies can be volatile, access to reliable financial services uneven, and everyday needs often met through workarounds rather than tools designed for real financial lives. The Sendwave Wallet is designed to change that. It gives customers a secure digital-dollar account where they can hold value safely, send and receive money instantly with others, and increasingly use their balance in everyday life. The Wallet is now live across more than 100 countries, with peer-to-peer money movement at its core and new capabilities continuing to roll out.
Crucially, this is no longer just about sending money. Through new borderless cards and payment capabilities, built in partnership with trusted global payments and stablecoin providers, customers will be able to spend their digital-dollar balance where they live and work, on everyday needs, at local merchants, not only move it across borders. That represents a real shift: from remittances as a one-off transaction to money that works as part of everyday life. Alongside this, we continued to strengthen the underlying infrastructure that powers our products across Zepz. We’re encouraged by the partners and institutions who chose to build with us in 2025 and who share our focus on trust, compliance and long-term impact. These relationships allow us to keep investing in better pricing, reliability and new services for customers.
Looking ahead to 2026, our direction is clear. We will continue strengthening our platform, improving the experience across both brands, and deepening the capabilities of the Sendwave Wallet so it becomes even more useful in everyday life. We will keep turning digital dollars into practical value across more moments and more markets, always guided by the real needs of our customers.
I’m proud of the progress we made in 2025 and grateful to our colleagues, partners and the communities we serve for placing their trust in us. We enter 2026 with clarity, momentum and a deep sense of responsibility for what we are building together.