Stablecoin payments in Kenya
Pay suppliers, staff and partners in Kenya in shillings from a USDC or USDT balance, delivered to M-Pesa, Airtel Money and PesaLink. Or collect KES from customers and settle into stablecoins. Built for businesses, with the rate fixed before you confirm.
What businesses do in Kenya.
Pay suppliers in KES
Fund in USDC or USDT and settle invoices in Kenya to M-Pesa, Airtel Money and PesaLink.
Payroll in Kenya
Pay employees and contractors in shillings in one run from a single stablecoin balance.
Collect KES, settle in USDC
Accept local payments from customers in Kenya and hold the proceeds in USDC or USDT.
Embed ramps in your product
Fintechs and wallets offer KES on- and off-ramps to their own users through our API.
How it works.
Verify your business
Complete onboarding once to pay and collect across all 20 countries.
Fund in stablecoins
Send USDC or USDT, or use your existing ElementPay balance.
Pay out in KES
Choose M-Pesa, Airtel Money and PesaLink and confirm the locked KES amount.
Reconcile
Every payment returns a status and your own reference by webhook.
More on Kenya.
Questions.
How do businesses make stablecoin payments in Kenya?
Fund an ElementPay balance in USDC or USDT, create a payout in KES to M-Pesa, Airtel Money and PesaLink in Kenya, confirm the quoted amount, and we convert and deliver it.
Can we pay suppliers in Kenya with USDT?
Yes. Suppliers receive shillings on M-Pesa, Airtel Money and PesaLink; they do not need a crypto wallet.
Can we collect in KES and settle in stablecoins?
Yes. Customers pay in KES locally and the proceeds settle into USDC or USDT on your balance.
How fast are payouts in Kenya?
Most mobile money payouts are sent on local rails as soon as you confirm, with a status for every payment.
Is this for individuals?
No. ElementPay is built for businesses, and every account goes through business verification.