Each year, American Christians
donate $22.5 billion to missions,
and pay $1.35 billion to bankers.
It's lost to fees before it reaches the field — and that's only the first leak.
Why so much?
The $1.35 billion is only the fees you can see.
That figure is what the World Bank measures — the exchange-rate markup and wire charges on the way out. It leaves out almost everything else it costs a mission to move money.
Add it all up, and the true cost of moving money to the field runs far past $1.35 billion. It comes down to four leaks.
The four leaks
Four costs sit between
a gift and the field.
None are the price of doing good. All of them can close.
The markup you never see
A shown fee plus a hidden exchange-rate markup — the largest slice of what every transfer really costs.
The money crawls
Days to weeks in transit — funds you can't deploy, and staff hours spent chasing each wire.
Idle money earns nothing
Reserves parked at 0% between transfers — a market return you forgo every single month.
Built for businesses, not for you
Extra audit and compliance hours, because the tools were built for companies — not 990 filers.
“Each month, I drive 6 hours to Kampala to withdraw $20,000 in cash to pay our employees. We always felt unsafe — but what could we do?”
— David, Field Director · Uganda
Every leak has a fix. The technology already exists.
No new donors. No bigger team. Just money that moves smarter.
What it adds up to
Close the leaks.
Change the math.
Every leak closed, under one governance model built for 990 filers.
More of every dollar reaches the field.
Days, not weeks.
Idle money funds the mission.
Hours back for the work.
Close all four leaks — the markup, the delay, the idle return, the wasted hours — and put millions back where they were intended: the field.
Introducing SNDR
More of every gift, reaching the field.
Behind every transfer is a clinic waiting on supplies, a teacher waiting to be paid, a family being served. SNDR exists so that more of what your donors give actually arrives — not lost to banks and busywork. One accountable platform that moves money cheaper, sooner, and cleaner, so your mission goes further.
Today vs. SNDR
The same giving — far more of it reaching the field.
- Hundreds of millions in fees kept, not paid out
- Reserves earning instead of sitting idle
- Audit hours returned to your team
- More of every dollar reaching the field
Fees today ≈ 6% of $22.5B, per the World Bank's global average cross-border transfer cost (Remittance Prices Worldwide, 2024–25); banks average 6–11%. “With SNDR” assumes fees roughly halved — within SNDR's 40–55% target. Idle-return and audit-hour savings vary by organization. [Figures to be finalized with counsel.]
How each one closes
Four fixes,
possible today.
The same money, moving a smarter way.
Show the real price
The true rate, one clear fee, the hidden markup gone.
Settle locally
Skip the bank chain. Pay out through local payment networks — same or next day.
Put idle money to work
Reserves earn a transparent return, and stay fully liquid.
Report the way you're audited
Records built for a 990. The audit becomes a download.
“Every time I paid rent, it cost me 7.75% for the transfer. Taking cash from the ATM was even worse, 12.5%! It just ate into my budget.”
— Alexander, Program Manager · Peru
This is what we built SNDR to do.
See a personalized report on what it's costing you.
We'll map your routes, volumes, and reserves — and show you the number.
No cost · No commitment
