Stablecoin Payments Rails That
Payments, invoicing & settlement in one stack
Invoice in USDC, move money across borders, and settle to mobile money when your counterparties need local cash — starting in Kenya, built for global B2B and fintech scale.
Stablecoin invoicing (USDC)
Create and send invoices in USDC with clear payment references. Bill international clients, reconcile faster than traditional FX, and pair invoices with APIs and webhooks for your finance stack.
Invoicing overview
Off-ramp USDC to mobile money
Cash out USDC to M-Pesa and supported local rails for payouts, payroll, and supplier settlement. Built for teams that need programmable off-ramps—not only a hosted widget.
Off-ramp API
Collections, payouts & reconciliation
Automate bulk collections and payouts with stablecoins, then sync status back to your ledger. Ideal for marketplaces, payroll, and cross-border B2B flows across Africa and diaspora corridors.
Africa B2B guide
Developer APIs & console
REST APIs, webhooks, and documentation for production integrations. Ship faster with patterns for idempotency, settlement tracking, and operational monitoring.
View API Docs
What's Possible With Our Rails
Locals who only know mobile money and USSD can still transact in stablecoins. ElementPay bridges the gap, making crypto usable in African contexts.
Agribusiness & Farmer Services
Pay farmers or buy crops instantly via USSD—no internet required.- Enable crop insurance payouts in stablecoins.
Payroll & Gig Economy Payouts
- Pay workers in stablecoins, withdrawable to local money.
- Eliminate delays and reduce payout costs.
Merchant Payments & E-commerce
- Accept stablecoins for online and in-store sales.
- Auto-convert to local currency seamlessly.
Gaming & Digital Economies
- Enable in-game purchases with stablecoins.
- Let players earn and cash out to local wallets.
The Impact We've Made
So Far
From payments to payouts, we help businesses across Africa streamline their financial operations with everyday transactions.
“ElementPay lets us collect in stablecoins, while customers pay in USSD. It bridges the gap between what our investors need and what locals can use.”
“With ElementPay, we accept stablecoin payments for tickets without confusing buyers. Customers pay through familiar flows, while we settle directly in stablecoins.”
Trusted by Innovative Businesses Across Africa
Forward-thinking companies use ElementPay’s rails to connect stablecoin payments with everyday users across Africa.
Countries We Operate In
Backed by Leading Partners
We are backed by leading partners to power payments for businesses across Africa with stablecoin infrastructure that enables instant, low-cost transactions for everyone.
Simple for Users, Powerful for Businesses
We partner with businesses to design custom USSD payment flows. Your customers can pay or get paid in stablecoins from any phone, with every transaction tracked on-chain and visible in your ElementPay console.
Automatic Wallet Creation
Every customer gets a crypto wallet instantly when they dial your USSD code, no app or crypto experience required. All transactions are recorded on-chain and visible in your ElementPay console.
Custom USSD Menus for Your Business
We design tailored USSD flows for each business, so your customers see only your services and payment options. Seamless integration with mobile money and banks.
Stablecoin Payments, No Internet Needed
Customers pay for your services using USSD. Funds are received instantly in stablecoins, and you can track every onchain transaction in real time on the ElementPay console.
Try ElementPay by dialing *665*313# to instantly create a wallet
