Value 1st and 2nd + years​

The valuation for the first year is around $350K taking into account $1MM+ in revenues for the year. For the 2nd years and ahead the value jumps to 4MM+ with revenues reaching +10MM. The potencial is much larger since smaller countries in Latam have banks that handle $500k to $1M in revenue per month.


Back in 1994 I was working at ADI Corp. as Chief Knowledge Officer, a multinational conglomerate that owned a few banks in Central America, amongst the 172 other companies they had scattered between NY down through Ecuador.  I remember a heated discussion weather or not to take advantage of this remittance business.  The top of the banking guild’s opinion was that the remittances was a transitory phenomenon with a dusk long overdue. The men that fled the civil war in Guatemala, El Salvador and Nicaragua, were not going to continue sending money for much longer. It had already been 10 years; they were getting old and started new families.  What about the whole families who left and were sending funds back to their mothers and fathers?  They were supposed to get old too, have children and grandchildren, therefore stopping the influx of money shortly. What about the children born in the USA? Well, they were not supposed to have any ties to their relatives in Latina America. The phenomenon of remittances was long to be overdue and why should the bankers invest in this new line of business.

They were all wrong! Remittances is a testament of the tight social web of Latin Americans.  It is kind of a tithe! Not only has the influx of money not stopped, it has grown to a USD 100 Billion industry! And growing!

Recently I had a talk with a warehouse manager. Manuel de Jesús Castillo born in 1981, this year 40 years old, expressed his frustration about being unable to get a better paying job. In January this year 2021 he requested me – as a favor – to be fired, in order to get his severance pay. He needed the money to pay the “coyotes” to get him to South Carolina where two brothers in law told him they could use a hand.  He left his wife and two children behind. His aspiration of giving his children the opportunity to go to college or university and a better quality of life was his driving force.  As I tried to talk him out of it, he insisted that with the end of the Trump Era he was going to get to South Carolina. All I could do is wish him well and I hope he is doing OK.


For six consecutive years, the University of Pennsylvania has ranked the Dialogue among the top US and foreign policy think tanks. In 2014, London’s Prospect Magazine named the Dialogue “US Think Tank of the Year” and in 2017 it was honored as the “One to Watch“.

As you may already be a member of RIO, the Remittance Industry Observatory, I do not need to point out all the numbers (I am sure you know them, do you?).

Remittances as percent of the GDP - 2019

For many countries it has become an indispensable cog of their GDP, although technically remittances are not part of the GDP.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

Remittances Market Bounced!

The market fell during the COVID, but in 2021 it has broken a new record.

The remittances, despite all odds, have bounced back to new record highs.  This is good for the remittance markets and recipient countries.

The players

The main players in the remittance business are:

  1. Western Union – 
  2. MoneyGram 
  3. Wise 
  4. Ria Money Transfer  – 
  5. Xoom – 
  6. Remitly – 
  7. WorldRemit – 
  8. Azimo – 
  9. Remessa Online – 


Yet the growing business and increasing pie size has opened up for new players. Are you taking advantage of this market growth?  These are few of the relevant new players:

Difficult to remember, write and speak

All of the above share the same problem, names that are difficult to remember, write and speak.  Remember Manuel de Jesús Castillo, when I asked him how he was going to send money to his family, he smiled and said: “I don’t know, I will Google remesas.”

Western Union is perhaps the biggest player followed by MoneyGram and RIA.  Western Union growth has stagnated and the rates are falling. Remitly has a better business model. Other players like Remessas Online originally targeting only Brazil is expanding aggressively. Xoom is based on the PayPal model, they already had a hammer, hence everything looks like a nail.

All share the same problem; the names do not mean “remesas” to the migrants. is easy to remember and packs all the meaning. This new age of migrant workers also share a common trait.  They have a smartphone or a computer and know how to use it.


“I don’t know, I will Google remesas.”, told me Manuel de Jesús Castillo when I asked him how he was going to send the money.  This got me thinking…

The potential of this domain has not been seized, it has had a winter sleep, parked and used to forward to an unrelated topic domain.

Just by using Google AddWords research, I found out that remesas is a word that is positioned as high as Western Union. Only Western Union pays five times more to bid for the top of the page. Remitly and other Western Union followers’ bids range from 10 to 17 times more achieving the same results, this is probably why Westen Union is stagnating in a growing market. Xoom is kind of in between in its bids but achieving – half – as many hits as their competitors.  Remessas Online is even targeting the Spanish speaking countries with advertising in Portuguese. Many of the players are fighting for a keyword market that is in the mid to high competition range vs low for “remesas”.

The keyword “remesas” in its winter sleep has been doing outstanding without any investment or effort. This content is the first time it will be crosslinked to different sites, it will rank even better with very little effort shortly.

Benefits of Using Multiple Domains for Your Business

Western Union might not be interested in the remittance business anymore, therefore falling in the marketshare and also on top of diminishing fees due to the competition. If this were the case, one use for might be to segment the market.  Just ask Manuel de Jesús Castillo, the word he knows is “remesas”. Spanish speaking people use the word remesas to refer to sending money back to their loved ones and relatives. This is a direct product, for a specific market! Think about the investment in maintenance of some of the brand names mentioned above, it is a huge financial drag. There is a lot of explaining.  This particular target group wants only one thing and one thing only. Send money in an uncomplicated way.

Also, you can use the Search Engine Optimization strategies to increase your hit rate by pointing to each other domains. It is well understood that if your domain name contains the name you are searching it ranks much higher automatically and with a lot less investment. You can funnel traffic to your site. Las posibilidades son muchas. Depende del grado competencial de su equipo de estrategia digital.

También, you can use it to protect your brand. Should I elaborate this further?

Grow your userbase or Brand Value

Any value is in the eye of the beholder!  SEDO.COM estimated a value based on similar domains. What is similar? Does it also have a USD 100 Billion growing market with still lucrative fees?  Their core valuation is using the differential between what is currently the bid value to position the keyword compared to other keywords or competitors. This is a good base value to have an idea but ignores other aspects.

The real potential is in the growth and increased userbase. You have to make your own calculations. Based on the Damodaran user valuation model, the value of a user is very dependent on your business model and market share.  Yet there is a common base for all user-based models. Although very small in today’s day and age, the remittance market size is between 10 million to 30 million users. The average remittance is between USD 400 and USD 200 per month, it varies between players. The total Hispanic population in the US surpassed 60 million in 2020 not counting the illegal aliens. The Latin American recent diaspora globally about 100 million souls large. How much is a 1% increase in user base for you worth in revenues? How much is your user maintenance cost? How much is your administrative drag per user? This is the beauty of online businesses.

Calculating the value of the domain depends on the buyer. If you take WesternUnion fees and their market share – and they want to grow this market – it becomes an indecent sum, but it seems they are no longer pursuing this market. An opportunity for the rest? If you take RIA or Remitly business model who is aggressively buying into the market, the amount is not as big.  For XOOM since their focus is not very clear it is difficult to tell, and it has a lot more brand drag than others. It seems that Remessas Online is aggressively trying to grow into the Spanish speaking countries, or it is wasting a lot of money in bad targeted advertising with Portuguese Ads for a Spanish speaking target group. What is your market share of the monthly userbase? What is your growth potential owning this domain? The remittance market has ben a very noble one, allowing for a lot of mistakes in how to approach the userbase. As it becomes bigger, growth rates will decrease, and the market will become more competitive. Are you ready?

But you know all this, right?  If you assume that you might grow you userbase 1% by owning How much is it worth to you at perpetuity?

Brand Finance uses another model to put a value to something like  A brand is not a name, a company, a logo, a product, a person, an ad campaign.  A Brand is a promise! A promise that creates expectations, interaction, satisfaction and loyalty. What a perfect word “remesas”! The meaning is intrinsic!

A strong brand has benefits to critical dynamics of any organization. Getting credit for what we are already doing. Making marketing investments work more cost-effectively. Helping control the image of the organization. Developing strong preference over competitors. Making the bright future of the organization clear to all audiences. Helping create value for the organization. Building the right perception among new prospects. Driving more qualified leads. Guarding against downturns. Setting an expectation for new products and services. Attracting talent to the organization. Creating positive word-of-mouth.

Not everything is automatically achieved by, but 9 out of the 12 statements in the above paragraph which defines brand value. According to Millward Brown, the brand itself accounts for more than 30% of the stock market value of the companies in the U.S. S&P 500. “REMESAS.COM” is not a magic bullet, nor will it catapult anyone through the roof, but it will definitely position the company to gain market share. is a direct way to convey a message to the segment of the target group of the Hispanic remittance market.  If we use this Brand Finance model, the value might be higher.

Everyone must make their own numbers. One suggestion, also try to figure out the numbers of your competitors for the bidding. It is probably not for Western Union because it is not interested in the remittance business anymore – or so they say, like the fox and the grapes – the aggressive players have the potential to do the best of 


Cross linked Keywords

remesas, western union cuba, fincimex, aisremesascuba, remesa significado, zoom remesas, remesas definicion, fincimex remesas, remesas que es, significado de remesa, casadecambiozoom, xoom envio de dinero, remesas familiares, remesas banrural, western union cuba hoy, remesas dominicanas, cubamax remesas, ria enviar dinero, las remesas, tipos de remesas, remesas bhd, remesas ca, envio de dinero western union, western union cuba 2020, enviar dinero por moneygram, remitly servicio al cliente, western unión cuba, remesas internacionales, xoom enviar dinero, cuballama remesas, remitly es seguro, remesas de dinero, remitly telefono, envio de remesas, remesas western union, remesa en ingles, dolex envio de dinero, definicion de remesas, la remesa, remesas cusca, remesas banxico, remesas banco industrial, moneygram enviar dinero, enviar dinero a república dominicana por caribe express, ria envío de dinero, fincimex remesas cimex cu, banpais remesas, ria remesas, remesas banpro, remesas banreservas, concepto de remesas, remesas bancarias, enviar dinero por xoom, remesa familiar, tigo money remesas, kyodai remesas, telefono de remitly, western union envio dinero, envío de dinero por elektra western union, remitly envio de dinero, enviar dinero a republica dominicana por caribe express, remesas banco agricola, remesas super selectos, remitly es confiable, remitly envios, xoom remesas, remesas al exterior, servicio al cliente remitly, remesas western union en súper selectos, remesas tigo money, remesas lafise, bhd remesas, ria envio de dinero cerca de mi, para enviar dinero por western union que se necesita, remesas bi, remesas 2019, enviar dinero por caribe express online, envio de dinero moneygram, enviar dinero ria, ria envios de dinero cerca de mi, remesas atlantida, remesas que son, remesas moneygram, cuballama envios de dinero, envio de dinero xoom, envios remitly, super selectos remesas, cuballama envio de dinero, remesas popular, moneygram super selectos, intercom remesas, remesas concepto, moneygram banco popular, remesas banpais, remesas kyodai, western union super selectos, remesas delivery, remesas de estados unidos a mexico, telefono de ria envios de dinero, remesas 2020, envios de dinero ria cerca de mi, remitly atencion al cliente, remesas online, western union cuba teléfono, aisremesa, día internacional de las remesas familiares, zoom remesas familiares, intermex compartamos banco, remesas de 13 dígitos, banco atlantida remesas, banpais western union, remesadora ria, telefono remitly, servicio al cliente de remitly, envios de dinero remitly, remesas fedecaces remesas fedecaces, remesas banco atlantida, remesas bac nicaragua, remitly comentarios, remesas express, envio de dinero por ria, moneygram banco agricola, en el primer mes de este año las remesas principalmente procedentes de estados unidos, remesas economia, dolex remesas, banreservas remesas, remitly contacto, remesas banreservas telefono, xoom para enviar dinero, remesas de estados unidos a cuba, ria para enviar dinero, tigo money western union, remitly envio, envio de dinero por moneygram, llamar a remitly, banco bhd remesas, cuballama envio de remesas, remitly republica dominicana, western union banpais, atencion al cliente remitly, remesas zoom western union, banco agricola remesas, banco fincimex, remitly enviar dinero, remesas bantrab, remesas bancoppel, wells fargo remesas, empresas de remesas, envio de dinero por xoom, oceancard remesas, caribe express remesas, western union banco industrial, remesas credomatic, uniteller remesas, remesas banrural telefono, remesadoras de banco atlantida, aplicación remitly, remesas bi telefono, banpro remesas, caribe express envio de dinero a republica dominicana, bancoppel remesas, remesas republica dominicana, web remesa, banco industrial remesas, western union banco agricola, remesa on line, remesas de 11 digitos, enviar dinero por remitly, remesas bcp, remesas quickex, remesas dominicanas bhd, remesas en republica dominicana, remesas 365, remesas elektra, remesas coppel, remesas despensa familiar, xoom envios de dinero internacionales, remesas fedecredito, intermex envios de dinero cerca de mi, enviar dinero caribe express, remesas fincimex, western union banco atlantida, enviar dinero remitly, sat remesas, zoom remesas twitter, remesas soriana, western union enviar dinero a estados unidos, remesas bac, remitly servicio al cliente en español, bts envios de dinero, despensa familiar remesas, remitly primer envio, remitly telefono en español, remesas dominicanas sa, remesas documentarias, remesas en super selectos, remitly servicio al cliente usa, elektra remesas, tu remesa, remitly tarifas, banco agricola moneygram, banco union remesas, vzlaremesas, remesas walmart, zoom envio de remesas, cuballama envio dinero, banco mundial remesas, remesa simple y documentaria, banco bhd león remesas teléfono, remesas por tigo money, remesadoras ficohsa, super selectos moneygram, western union cuba 2019, remesas gyt, enviar remesas, remitly ayuda, cuballama enviar dinero, remesas de western union, remesas ria súper selectos, bts remesas, remesas bts bancoppel, definicion remesas, remesas banco industrial telefono, empresa remesa, intermex compartamos, remesas de trabajadores, remesas santander, financiera fincimex, despensa de don juan remesas, las remesas familiares, bi remesas, ejemplos de remesas, remesas sat, italcambio remesas, remesas bts, empresa fincimex, remesas definicion economia, envíos de dinero western union, remesas a venezuela desde estados unidos, moneygram envios de dinero, remesascuba, remesa negociada, tigo money remesas internacionales, remesas familiares definicion, empresas remesadoras, servicio de remesas, remesa banco estado, remesas de 10 digitos, remesas inegi, remesas de estados unidos a mexico 2019, requisito para enviar dinero por western union, remesas exito, remesas banco cuscatlan, remesas de estados unidos a mexico 2020, remesas express banpro, remitly caribe express, coppel remesas, walmart remesas, envios de dinero por wells fargo, remesas bhd telefono, banco cuscatlan remesas, remesas banco promerica, registrarse en western union zoom, banpais moneygram, banco popular remesas, enviar dinero con ria money transfer, remesas nacionales, telefono remesas banco industrial, remesas por western union, enviar dinero por ria desde españa, lafise remesas, remitly promocion, bantrab remesas, moneygram remesas, es seguro enviar dinero por remitly, remesas la vinotinto, oficina fincimex habana, remitly recargas, envio de dinero por caribe express, remesas y divisas, aisremesascuba opiniones, bcr remesas, remesas economicas, remesas pdf, remesas banco occidente, transnetwork remesas, intermex remesas, la red de la gente remesas, remesas hites, brastel remesas, bhd leon remesas, cuballama envíos de dinero, enviar dinero en ria, soriana remesas, bankia remesas, remesas dlc, remesas western union tigo money, remesas del extranjero, por western union solo se envia dinero, remesas banco industrial cajeros, remesas a republica dominicana, significado de remesas en economia, enviar dinero moneygram online, fedecredito remesas, ria envia caribe express, remesas quisqueyana, western union en super selectos, ultima noticia de western union, remesas fedecaces, el significado de remesa, remesas de estados unidos a guatemala, italcambio moneygram, las remesas en republica dominicana, remesas appriza, remesas estados unidos, remesas que es significado, remesas de moneygram, remesadoras en estados unidos, horarios de barri envios de dinero, remesadora ria envia, remesas selectos, remesa de recibos, tigo money remesas honduras, remesas 2018, banco promerica remesas, moneygram banco agrícola, sancion a fincimex, remesas vimenca telefono, remitly estados unidos, telefono remesas banrural, remesas en república dominicana 2019, remitly que tan seguro es, small world remesas, tipos de remesas bancarias, aisremesascuba telefono, remesas bhd leon, remitly exito, contacto remitly, envio de remesas a republica dominicana, moneygram para enviar dinero, ria envios santo domingo, costo de envio de dinero por moneygram, remesa bancaria en ingles, uniteller envios de dinero, enviar dinero a estados unidos por western union, opiniones sobre remitly, remesas desde estados unidos, remesas xoom, agencias moneygram san salvador, datos para enviar dinero por moneygram, envios de dinero western union cerca de mi, remesas de banrural, remesas agricola, teléfono de ria envíos de dinero, enviar dinero a estados unidos western union, bac credomatic remesas, remesa familiar definicion, opiniones de remitly, remesas en republica dominicana 2019, si me envian dinero por western union, que datos necesito para enviar dinero por moneygram, remesas marcel, banco bhd leon remesas, moneygram banpais, remesas oxxo, oxxo remesas, pagina oficial de fincimex, remesa sepa, tarifas por envio de dinero western union, web de aisremesascuba, remesas banco agricola el salvador, moneygram banco occidente, remesadoras de banco ficohsa, si te envian dinero por western union, moneygram banco cuscatlan, moneygram enviar dinero en linea, caribe express envio de dinero santo domingo, remesas bac credomatic, remesas familiares que es, remesas cuballama, remesas por zoom, remesas simples, enviar dinero por western union a estados unidos, remesas caja de credito, xoom intermex, caribe express envío de dinero a república dominicana, compartamos banco intermex, remesas de divisas, es seguro remitly, moneygram banco, remesas caja popular mexicana, remesas ejemplos, western union banco atlántida, zoom remesas internacionales, remitly llamar, western union envío dinero, moneygram que banco es, remesas banco agrario, remesas extranjeras, remitly es confiable para enviar dinero, mi remitly, remesas scotiabank, banrural remesas western union, dolex envio de dinero cerca de mi, remesas banco g&t, remesas de estados unidos a venezuela, remesas significado economia, banco occidente remesas, remesas intermex, remesa directa, paypal remesas, remesas en coppel, remesas corven, remesas en linea, noticia de western union, western union despensa familiar, tigo money remesas western union, western union envio de dinero al extranjero, bhd remesas telefono, remesa de 8 digitos, remitly nuevos clientes, telefonos de remitly, western union banco cuscatlan, fincimex sanciones, remesas de estados unidos, remesas en despensa familiar, enviar dinero a otro pais por western union, enviar dinero en moneygram, remesas electronicas, remesas today, remesas a cuba de estados unidos, remesas del banco agricola, dia de las remesas familiares, banco estado remesas, remesas ria santo domingo, remesas dominicanas santo domingo, remesas dominicanas telefono, remesas farmacias guadalajara, enviar dinero por western union oxxo, envio de dinero western, remesas al extranjero, cloud transfer remesas, remesas industrial, global remesas, enviar dinero por ría, enviar dinero con remitly, envios de dinero caribe express, remesas internacionales tigo money, univision remesas, aisremesascuba review, tigo money y western union, remesadoras de fedecredito, remesas cambur, es remitly confiable, remesas en soriana, remesas migratorias, tasas remitly, envio de remesas western union, western union envíos de dinero, comision por envio de dinero moneygram, remitly servicio al cliente telefono, remesas farmacias economicas, ria remesas dominicanas, remesas bantrab app, ría envía cerca de mi ubicación, scotiabank remesas, bansefi envios de dinero, remesas familiares concepto, envio de dinero por western union a estados unidos, puedo enviar dinero a estados unidos por western union, remesas banco, sitio web de aisremesascuba, es confiable remitly para enviar dinero, transferencia remitly, tropipay remesas, viamericas remesas, banco promerica moneygram, remesa de transferencias, quisqueyana remesas, remesas banco industrial por telefono, remitly república dominicana, moneygram que necesito para enviar dinero, la ria envio de dinero, red chapina remesas, remesas en elektra, definicion de remesas en economia, envio remitly, envios de dinero por western union de estados unidos a mexico, enviar remesas a estados unidos, envios de dinero por remitly, es seguro mandar dinero por remitly, fincimex pagina web, remesas elektra guatemala, remesas tricolor, envio de dinero internacional western union, remitly estafa, banco central remesas, moneygram envio de dinero de mexico a estados unidos, oficina fincimex, remesas en banco atlantida, enviar dinero de mexico a estados unidos por western union, que datos se necesitan para enviar dinero por moneygram, remesas mundiales, remitly telefonos