MassPay, an API by Snapcard, gives people in emerging markets – who have never before been able to instantly send or receive international payments – access to money. Using blockchain technology and bitcoin, MassPay is able to digitally transfer funds, immediately and for free, without taking on any currency-risk. When recipients are ready to cash out, they can keep the payout in bitcoin or they can select from a variety of methods including global bank transfers, local eWallets and international checks.MassPay is impacting emerging markets, allowing separated family members to send money back home securely and right when they need it. Cashing out in bitcoin is free, and cashing out in a local currency is less than 0.25% of the total exchange. The API is also available at an enterprise-level and will disrupt the mobile gaming industry, online marketplaces, digital content and ad networks by enabling the same safe and real-time exchange for goods and services in local currencies by way of bitcoin.