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Send money from China to Kenya
For businesses paying suppliers, staff and partners. Fund in CNY by transfer into your CNY account, then pay out in KES to M-Pesa, Airtel Money, PesaLink and Bank in Kenya. No correspondent banks, open at weekends.
Updated October 2026
Fund your ElementPay balance in CNY by transfer into your CNY account, then pay out in KES to M-Pesa in Kenya. Most payouts are sent on local rails, with the rate shown upfront.
The route.
Your CNY balancetransferM-PesaRecipient in KenyaHow to send money from China to Kenya.
- 01Fund in CNYTop up by transfer into your CNY account, or use an existing USDC balance.
- 02Add the recipientPhone number in +254 format for mobile money, or bank details.
- 03Lock and sendThe KES amount and fee are fixed before you confirm. Payouts go out on M-Pesa as soon as you confirm, with a status for every payment.
Compared with a bank wire.
| BANK WIRE | ELEMENTPAY | |
|---|---|---|
| Delivery | 2–5 business days | Depends on the local rail |
| Weekends | Closed | Open |
| Fees | Deducted by intermediaries | Shown before you send |
| Delivers to mobile money | No | M-Pesa and Airtel Money |
| Stablecoin funding | No | USDC and USDT |
Common questions.
What is the fastest way to send money from China to Kenya?
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Fund your ElementPay balance in CNY by transfer into your CNY account, then pay out in KES to M-Pesa in Kenya. Most payouts are sent on local rails, with the rate shown upfront.
How much KES will the recipient get?
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As an indication, 1 CNY is about 18.15 KES (October 2026). Your exact rate and fee are shown before you confirm, and the KES amount is fixed once you approve.
Which payout methods can I use in Kenya?
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M-Pesa, Airtel Money, PesaLink and Bank.
Is it open at weekends?
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You can create payouts to Kenya at any time. Delivery timing depends on the local rail, and every payment shows its status.
Can I fund with stablecoins instead of CNY?
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Yes. You can fund any payout to Kenya from a USDC or USDT balance instead of CNY.
More routes.
