TEMPO is an electronic payment institution and the principle EU anchor for Stellar blockchain payments. Our service is built on a powerful idea – making a difference

TEMPO is built on excellence.  Our international team consists of diverse, highly talented, and motivated individuals with over 30 years of collective experience in the field of remittance, banking, and information technology.  TEMPO is a trusted partner for money transfer across the world, and you can even visit us in person at our offices in scenic Paris, France and booming Frankfurt, Germany.

At TEMPO, we act quickly to ensure that our pricing, foreign exchange rates, agent opportunities, and customer service remain highly competitive in regards to local markets. Using a hybrid of our expertise and the newest available technology, we have created the most convenient and reliable way for you to send money and digital assets to your family, friends and loved ones. 

CONVENIENT in money transfer, ACCESSIBLE to everyone

Hello! I’m Jeffrey and I’m a founder and President of TEMPO

One of our key objectives when TEMPO first began was to make money transfer truly convenient and borderless to meet the different needs and habits of diverse people, as well as to create options for millions previously left without access. We have noticed that people send money for various reasons, which range from important to extremely urgent. As a result, our service is built on foundations of reliability, comprehensive support, and personal assistance.   To further reduce costs, increase speed and reliability, we have partnered with the Stellar Foundation.  Today we are the main EU anchor connecting with Stellar to many other payout payers.   We are also one of the first EU companies to offer the EURT, Tempo's stable coin backed by on hand cash.  We always make sure to go the extra mile so that your friends and family receive your transfer as soon as possible. That is true convenience and reliability.

If you have any questions or suggestions, please don’t hesitate to contact us.


Hello! I’m Suren and I’m the co-founder of TEMPO.

At TEMPO, most of us are expats from various countries who have been supporting our families remotely for many years. This is why we understand that often you are sending more than money, you are sending support and education, you are sending an opportunity for personal growth and a better tomorrow for your loved ones. Decreasing money transfer fees by even a few percent saves billions of dollars each year, and has the potential to improve hundreds of thousands of lives. This is why we fight every single day to offer you the fairest rates overall, making sure that you save money with every single transfer!

Want to see how little you will have to spend when sending money with TEMPO? Click here to see our Rate Calculator.

Innovating at the FRONTIER

Hello! I’m Anthony I’m cofounder and CTO of TEMPO

You may be wondering, how TEMPO manages to provide a superior service in such a highly competitive space? The answer is simple: the engine driving the transformation of the existing money transfer business model into our superior one is best-in-class technology. For this reason it is important to highlight that we specialize not only in money transfer, but also information technology. We are continuously innovating and exploring new technological breakthroughs to make life easier for both clients and members. And as is expected of any truly pioneering enterprise, our objective is to make sure you get the benefits of tomorrow’s technologies, today.  That's why we have partnered with the Stellar Foundation and and are the main EU anchor for Stellar in Europe.  


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What people say

  • I have started providing money transfer services in Greven, a place where people had no access previously. No money transfer service providers wanted to work here, but when I sent a request to TEMPO, their answer was YES.

    The core of every successful business is innovation and marketing. As a TEMPO Money Transfer agent, I have both. Here is how I can best describe my experience with Tempo:

    Great customer support team + the best exchange rates + great commission for me.
    I think TEMPO is an upcoming star in this market.

    Tanvir Ahmed, N3 Solutions, Germany

  • As an agent, TEMPO offers the best service and a great commission. I can always reach the customer support team to assist me and my clients. They're always available. I have been working with 4 other money transfer enterprises and can say that TEMPO is the one with the most successful transfers.

    At the same time TEMPO gives the best exchange rates for each country and has a massive network of pay-out agents and is available in each country they are working with. I've never had any problems with payments in any country, because the team cares about every transaction, which is very rare in this business.

    Lyubomir Stoychev, Cash International, France

Wherever you are, sending money with TEMPO is always within reach

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Jeffrey M Phaneuf

Founder, President and Member of the Board of Directors

Before founding and taking an ownership role at TEMPO France, Mr Phaneuf was the President of TEMPO Financial Holdings Corporation, a Denver-based money remitter with operations in the Americas and Europe. Prior to TEMPO, Mr Phaneuf was the senior executive for RIA in Europe and had significant operational oversight for the entire region, leading the establishment of operations in several key European countries including establishing RIA France in 1999.
In addition, he developed and managed many of RIA’s key pay-out partnerships with banks and financial institutions throughout the world. Mr. Phaneuf earned an MBA from Thunderbird School of Global Management.

Suren Hayriyan

Co-founder, Member of the Board of Directors

Prior to joining TEMPO, Mr. Hayriyan was the President and CEO of Unistream Bank in Russia and the CIS, an industry-leading money transfer operator with a $5 billion turnover and a staff of 900 people throughout Russia, the UK, Greece, Germany, Cyprus, Israel, Turkey and India.
Mr Hayriyan has 17 years’ experience working in banking and top management positions. Under his supervision, Unistream grew from humble, local beginnings in 2001 to the global scale it has reached today and with the philosophy that time never stands still, he predicts a similar trajectory for TEMPO.
Mr Hayriyan contributed to establishing the CIS and Russia in the transparent money transfer market and was the Russian Finalist for the prestigious 2010 Ernst & Young Entrepreneur of the Year Award as well as Winner in the Finance category. Mr. Hayriyan has an executive degree from the University of Chicago Booth School of Business and a degree in Financial Mathematics from the Joint Vienna Institute in Vienna, Austria.

Anthony Barker

Co-founder and Chief Information Officer

Mr. Barker has over 16 years’ experience in financial technology management. Having formerly worked at IBM and BMO Nesbitt Burns, he is the Director of Capital Markets at the Banque Nationale Marchés Financiers and successfully manages systems for equities trading. He has an MBA from Thunderbird School of Global Management and a BA in Economics from Queen’s University, Canada.

Mr Barker is bilingual in English and French and is conversant in Mandarin. He is extremely excited by the potential impact of the blockchain on correspondent banking, and remittances and settlement in general.