The stablecoin payments API for Africa
Collect, pay out and settle in USDC and USDT through one API. Your customers and recipients get local currency on M-Pesa, MTN MoMo, Airtel Money or their bank. Built for fintechs, platforms, payroll providers and merchants.
What businesses build on it.
Stablecoin payouts
Fund in USDC or USDT and pay suppliers, staff or users in local currency to mobile money and banks in 20 African countries.
Stablecoin collections
Collect in naira, shillings or cedis through local rails and settle into USDC or USDT on your balance.
Payment gateway and checkout
Accept stablecoins from customers at checkout and reconcile each payment against an order or invoice.
Wallet integration
Add on- and off-ramps to your own wallet or mobile app so users can move between stablecoins and mobile money.
How it works.
Create an order
One API call with the amount, currency and destination. Use the same objects in every market.
Lock the quote
We return the rate and fee upfront. Once confirmed, the local amount is fixed.
Fund in stablecoins
Send USDC or USDT on supported chains, or draw from your ElementPay balance.
Track by webhook
Receive events for created, routed, settled and failed, each with a reference you can reconcile.
Stablecoin routes.
Questions.
What is a stablecoin payments API?
It is a single integration that lets your software send, receive and convert dollar stablecoins such as USDC and USDT, and pay out or collect in local currency.
Which stablecoins and countries do you support?
USDC and USDT, with payouts to mobile money and bank accounts in 20 African countries including Nigeria, Kenya, Ghana, Uganda, Tanzania, South Africa, Senegal and Cameroon.
How fast are payouts?
Most mobile money payouts are sent on local rails as soon as you confirm, with a status for every payment.
Is there a sandbox?
Yes. Approved businesses get sandbox keys to test orders, quotes and webhooks before going live.
Can we reconcile stablecoin payments with invoices?
Yes. Every order carries your own reference and every webhook returns it, so each payment can be matched to an invoice or ledger entry.
Who is it for?
Businesses: fintechs, platforms, payroll providers, PSPs, remittance companies and merchants. Every account goes through business verification.