Fiatsend
Scale payouts across Africa.
One API call. Funds in the recipient's wallet in under 10 seconds — they cash out or hold as they choose.
No commitment. Live in 7 days.
Platform sends
500 USDC
Recipient receives
₵3,100
Ghana MoMo
The wait
3 days
Typical time to pay a contractor through traditional rails.
The cost
$5–15
Flat fee per transfer — before FX spread eats into the payout.
The gap
17%
Of Ghanaian adults already use crypto — most platforms still can't reach them locally.
How it works
Request in. Confirmed delivery out. Three steps.
Step 01
Your platform sends a payout
Phone number, amount, and stablecoin — one API call.
Step 02
Fiatsend converts and settles
Rate lock, FX, AML, and wallet delivery — under 10 seconds.
Step 03
Recipient gets paid
They choose how to use the funds — instantly.
Recipient options
Step 01
Your platform sends a payout
Phone number, amount, stablecoin source — one API call.
Step 02
Fiatsend converts and settles
Rate lock, FX, AML, and wallet delivery — under 10 seconds.
Step 03
Recipient gets paid
They choose how to use the funds — instantly.
- Auto-settle to MoMo or bank
- Hold and cash out later
- New users: deep-link KYC
For recipients
Built for senders. Designed for recipients.
Payouts never get lost — even if the recipient is new.
Auto-settlement
Cash out to MoMo or bank the moment funds arrive.
Hold in wallet
Keep funds and cash out when the timing is right.
New recipient onboarding
No account yet? A secure deep link guides signup and KYC.
Who it's for
One API for contractors, sellers, and end users.
Payroll & EOR platforms
Pay African contractors in local currency — funds land in seconds.
Crypto exchanges & wallets
Compliant off-ramp so users can cash out to local currency at volume.
Marketplaces & gig platforms
Pay drivers and sellers the moment the job is done. No lost payouts.
Authenticate
Grab an API key from the console.
Create a payout
Send amount, currency, and phone number.
Get paid out
Webhook confirms delivery — usually under 10s.
For developers
Ship in an afternoon
REST API, webhooks, and a full sandbox. Go from zero to live payouts without a long integration project.
What a payout call does
POST /v1/payouts → convert + settle → delivered
Full SDK examples, OpenAPI, and Postman live in the docs.
Why Fiatsend
Faster than banks. More compliant than DIY crypto. Built for platforms that disburse at scale.
| Fiatsend | Traditional | Crypto off-ramps | |
|---|---|---|---|
| Settlement | < 10 seconds | 2–5 days | Minutes–hours |
| Fees | ~0.5% average | $5–15+ | 1.5–3% |
| Local delivery | Direct to wallet | Not supported | Not supported |
| New recipients | Deep-link KYC | Needs bank account | Needs a wallet |
| AML / compliance | Built in | On you | Varies |
Security & compliance, built in
Enterprise controls without the separate checklist — KYC, AML, encryption, and licensed rails in one stack.
Tiered KYC
Identity checks that scale with volume.
On-chain audit trail
Every payout is verifiable end to end.
AML & sanctions
Screening built into every transfer.
Licensed local rails
Settlements through approved corridor partners.
Encrypted data
AES-256 protection for keys and records.
Audit-ready records
Traceable status for finance and compliance.
Need diligence docs? Contact compliance
Trusted by teams building in Africa
“Ghana payouts went from 3 days to under 10 seconds. Reliability at scale has been outstanding.”
Ruben I.
Operations Lead, Datahaul
“Clean API, reliable webhooks, painless sandbox. We were live within a week.”
David O.
Senior Engineer, Redfox
“Proper audit trails for mobile money off-ramps. Compliance signed off in record time.”
Fatima I.
Compliance Manager, Payops
From API key to live payouts in 7 days.
Book a 30-minute demo — we'll walk through the integration and get you into sandbox the same day.