You might be surprised to learn that the first money transfers were not done through banks, apps, or telegraphs, but through trust and word. This all began back in the 8th century, when humanity still traveled by horse and even paper money didn’t exist. It was during this period that a system called Hawala emerged – simple yet brilliant in concept:A person in one country would give money to an agent and ask them to deliver the same amount to their friend or family member in another country. The money itself didn’t actually move – the agents simply trusted each other and settled their balances later. And that’s how the history of international transfers began. There were no banks, no apps, but there was one core value: trust. And that trust was so strong that the Hawala system functioned for centuries, from India to North Africa. When Words Were Contracts Hawala agents didn’t store money in safes or sign papers, their contract was their word and integrity. Today, that might sound strange, but at the time, it was enough – money could freely move from person to person, without any banking system. Simply put, Hawala was the first “fintech” – one that didn’t need Wi-Fi. What Changed Almost 1300 Years Later? Since the 8th-century Hawala, humanity has gone through many stages: telegraphs, money transfers with high fees, long queues and cash-out issues. Eventually, we reached the point where sending money or performing card and bank transfers can be done with just a few taps in the InexPay app – right from home. You simply open the app, go through a quick registration and authorization and send international remittances via the InteliExpress system to 50+ countries or make bank and card transfers across Europe and Asia, with the best fees and conversion rates. From Word to License – The Evolution of Trust In the 8th century, trust meant a personal word. Today, trust means regulation, transparency and security standards that protect every user transaction. The word-based contract has been replaced by a license, but the idea remains the same – reliability. If once people handed money to an agent hoping they would keep their word, today that trust is regulated by the National Bank of Georgia, under whose supervision InexPay operates (payment service provider, license №0088-2904). This means every transfer is protected by law, your funds are kept in special nominal accounts in a bank, and the system fully complies with international financial standards.

Even though we live in a digital world, pawnshop loans have long remained a “traditional, physical” process — branch visits, paper receipts, queues, and a lot of wasted time. Now, you can repay your InteliExpress pawnshop loans directly from the InexPay app, with zero commission. That’s why we decided to make using InteliExpress pawnshop services even easier for our customers and introduced a new feature in the app. With it, you can manage your loans without leaving home — quickly, securely, and at no extra cost. Why connect your InteliExpress pawnshop loan with InexPay? Beyond being extremely simple — just a few clicks — the new feature gives you flexibility and full control: How does it work? For more details, click “View Details.” To proceed with a payment, click “Continue,” and a window will open where you can pay interest, penalties, or repay the loan in full. Simply choose the account you want to pay from and confirm the transaction. Now, you can manage all your InteliExpress pawnshop loans easily from one place. Regulation & License InexPay is officially registered and licensed by the National Bank of Georgia as a payment service provider (№0088-2904). All transactions are carried out in full compliance with NBG regulations, ensuring the security, reliability, and complete protection of customer interests. You can verify the license in the official registry: nbg.gov.ge/payment-system/providers And don’t forget — the InexPay app is available on both the App Store and Google Play.

If you’re living in Georgia and you’re not from here, you’ve probably asked yourself: How do I exchange currency easily?Where can I pay my bills without queues?How do I top up my balance or send money home? Whether you’re from India, France, Indonesia, UK, Ukraine or anywhere in between – handling money in a new country isn’t always easy. That’s exactly why InexPay was created. What is InexPay? InexPay is a Georgian financial app for people who live, work or study in Georgia but aren’t Georgian citizens. It helps you handle your daily financial tasks – quickly, affordably, and without paperwork. All you need is your smartphone. One important note: If you don’t have Georgian documents, you can complete the verification process at any InteliExpress branch. In fact, thousands of expats from countries like: Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, India, Indonesia, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Nepal, Netherlands, Norway, Pakistan, Philippines, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sri Lanka, Sweden, Switzerland, Turkey, Ukraine, United Kingdom, and Uzbekistan already trust InexPay every day. What Can You Do with It? With InexPay, you can: How to Top Up Your Account You can add money to your InexPay wallet in three simple ways: 1. Cash:Visit any InteliExpress branch across Georgia: View all branch locations → 2. Bank Transfer:Send money from your Georgian bank account – commission-free 3. Card Payment:Top up instantly with your Visa or Mastercard Why Expats Choose InexPay Simple, Reliable, Stress-Free Whether you’re in Georgia for work, study, or travel, InexPay makes your financial life easier. Download the InexPay app today and manage your money in one space. Get the app!

When sending money abroad, the most important factors for users are the transfer fee, processing speed, and simplicity of the process. InexPay offers transparent and exclusive rates for money transfers to Ukraine. All transfers can be completed fully online through the mobile app — quickly, securely and without hidden fees. There are several available methods for sending money to Ukraine. Let’s take a closer look: Card Transfer to Ukraine – 0.5% Fee Funds are transferred directly to the recipient’s Ukrainian card.The process is simple — all you need is the recipient’s card number. Bank Transfer to Ukraine – 0.5% Fee Funds are credited to the recipient’s bank account in the shortest time possible. The service is transparent, secure, and competitively priced. Cash Pickup in Ukraine – 0.7% Fee A convenient and affordable option across the country through partner banks including: PrivatBank, OschadBank, A-Bank, Accordbank, CominBank, Cominvestbank, Globus Bank, Industrial Bank, MIB, Motor Bank, UkrGasBank, UnexBank. For full details: https://inteliexpress.com/ka/georgiatoukraine/ Why Choose InexPay? InexPay is a simple and secure financial app that allows users to complete any type of transfer — card, bank, or cash pickup — entirely online and without leaving home. The service meets international security standards and ensures fast, reliable, and transparent transactions. Save More with InexPay Download the InexPay app and take advantage of the lowest rates for sending money to Ukraine.

Transferring money abroad or sending a cash remittance often comes with one big question — “What is the actual commission fee?” The exact fee is often hidden somewhere at the bottom of the page — or not mentioned at all. At InexPay, not only do we offer the best rates for any destination — whether for card transfers, bank transfers, or money remittances — but our service is also fully transparent. You’ll always know exactly how much the commission is, what exchange rate will be used, and how long the transaction will take. In this blog, we’ll walk you through our special rates for transfers to Armenia, Turkey, Uzbekistan, and Ukraine. Money Transfers to Armenia Money remittances in Armenia – 0.7% commission.Cash can be withdraw instantly from any of the following partner banks:Ardshinvestbank, AmioBank, Armeconom Bank, Artsakhbank, InecoBank, Ararat Bank, UniBank, IDBank, EvokaBank. More info: https://inteliexpress.com/armeniatogeorgia/ Money Transfers to Turkey Direct Bank Transfer – 0.8% commission.Send money to any bank in Turkey, whether to individuals or businesses. Fast processing and low fees. Money remittances in Turkey – 1% commission. Send money in the most convenient form. The recipient can collect funds instantly from the following partners: Send-R, UPT, Payporter BRQ LINK PGPARA, PTT. Money Transfers to Uzbekistan Card Transfer – 1% commission.Transfer funds directly to Humo and Uzcard — the most common cards in Uzbekistan. All you need is the card number. Money Transfers to Ukraine Card Transfer – 0.5% commissionThe lowest fee for sending money to Ukrainian cards. Bank Transfer – 0.5% commissionFunds are credited directly to the recipient’s bank account in the shortest time. Money remittances – 0.7% commissionGreat rates and instant availability across Ukraine via partner banks: PrivatBank, OschadBank, A-Bank, Accordbank, CominBank, Cominvestbank, Globus Bank, Industrial Bank, MIB, Motor Bank, UkrGasBank, UnexBank. More info: https://inteliexpress.com/ka/georgiatoukraine/ Download the InexPay app, complete a quick registration, and enjoy secure, fast and low-fee international transfers anytime, anywhere.