How Do I Send Money with a Peanut Link?

A Peanut Link is a link or QR code that contains money. Create one from your balance, share it with anyone via message, email, or print, and the recipient claims it — no app required on their end. Creating a Link and claiming it into Peanut have no charge, and Links do not expire. Bank conversion and cross-network claims follow the displayed route cost and minimum.

Create and Share a Peanut Link

  1. 1

    Open the app and tap Send

    Select Create Link to start building your payment link.

  2. 2

    Enter the amount

    The amount is charged from your Peanut balance. Enter the amount. The recipient’s external claim route may have a displayed minimum.

  3. 3

    Confirm and generate

    Peanut generates a unique link and QR code. Both work the same way — the link is for sharing digitally, the QR is for in-person.

  4. 4

    Share the link or QR

    Send via any channel — text message, email, WhatsApp, social media, or print the QR code. The recipient does not need a Peanut account.

How the Recipient Claims

With a Peanut account: The recipient opens the link, logs in, and claims the funds directly to their balance. The transfer is instant.

Without a Peanut account: The recipient opens the link, selects "Claim to bank account," and enters their bank details:

  • SEPA — enters IBAN, receives EUR. Arrives in under 20 minutes for 90% of transfers.
  • ACH — enters routing + account number, receives USD. Arrives in 1-3 business days.

No app, no account, and no verification required for the recipient (as long as you, the creator, are verified).

Verification Rules

One side of the transaction must be verified — either you or the recipient. If you are verified, the recipient can claim without any verification, even to their bank. If you are not verified, the recipient must be verified to claim.

Reclaiming Funds

You can reclaim unclaimed funds at any time. If the recipient has not claimed the link yet, open the link from your account and select Reclaim. The funds return to your Peanut balance instantly.

Info
Peanut Links are all-or-nothing — one person claims the full amount. If you need to collect money from multiple people, use a Peanut Request instead.

FAQ

Do Peanut Links expire?

No. Links never expire and can be claimed at any time.

Can the recipient claim to Pix or Mercado Pago?

Not directly. The recipient should claim to their Peanut account first, then use their balance to pay via Pix or Mercado Pago. To pay someone in Brazil without a Link, send to their Pix key: Send → Bank → Brazil.

Is there a fee to send or claim?

Creating a Link and an in-app claim have no charge. Bank conversion and cross-network claims follow the displayed quote, minimum, and delivery cost.

What if I sent the link to the wrong person?

Reclaim the funds before they claim the link. Open the link from your account and select Reclaim. A claimed Link is final. Contact support with the details, but recovery is case-specific and is not guaranteed.

Can I send to someone in another country?

A recipient can claim into Peanut where the service is available. Eligible bank claims use the routes shown in the claim flow; route availability depends on the account and destination.

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