Payment infrastructure for Africa's digital economy
Convert stablecoins to mobile money in seconds. Instant settlement across local mobile money networks. Built for platforms that move money at scale.
How it works
Three API calls between your platform and real money in a mobile wallet.
Platform sends payout
Your platform calls our API with recipient details and amount. We handle the rest.
Fiatsend converts & routes
Stablecoins are converted to GHS at locked rates and routed to the right mobile network.
Contractor receives funds
Arrives in the recipient's mobile wallet in seconds. Webhook confirms delivery.
Built for platforms that move money
Whether you're paying contractors, sellers, or end users — one API handles it all.
Payroll & EOR
Add mobile money as a withdrawal method for African contractors. Instant payouts, verifiable delivery.
Marketplaces
Pay sellers directly to their mobile wallets. No bank account required, no delays.
Fintechs & Neobanks
Instant stablecoin off-ramps to mobile money. Give your users real spending power in Ghana.
const fiatsend = require('@fiatsend/sdk');
const withdrawal = await fiatsend.withdrawals.create({
amount: '500.00',
currency: 'USDC',
recipient_phone: '+233241234567',
mobile_network: 'MTN'
});
console.log(withdrawal.status); // "completed"Ship in an afternoon
A clean REST API, comprehensive webhooks, and a full sandbox environment. Everything you need to go from zero to live payouts.
Why Fiatsend
Purpose-built for stablecoin-to-mobile-money. Not retrofitted, not a workaround.
| Fiatsend | Traditional Rails | Crypto Off-Ramps | |
|---|---|---|---|
| Settlement | < 10 seconds | 2–5 days | Minutes–hours |
| Fees | ~0.5% avg (varies by corridor) | $5–15+ | 1.5–3% |
| Mobile money | Direct | Not supported | Not supported |
| Verification | On-chain | No | Partial |
| Integration | REST + Webhooks | SWIFT | Varies |
Enterprise-grade security
Built to meet the compliance and security standards your team requires.
Tiered KYC
Progressive identity verification scaled to transaction volume. Compliant with local regulations from day one.
On-Chain Audit Trail
Every transaction is recorded on-chain. Full transparency for compliance teams, auditors, and regulators.
Encrypted at Rest
All sensitive data encrypted with AES-256. API keys, recipient details, and transaction records fully protected.
Compliance & licensing
Built for teams that need clear controls - not just fast payouts. Specific licenses and registrations depend on corridor and product; we are happy to walk through what applies to your use case.
AML & sanctions controls
Customer due diligence, transaction monitoring, and sanctions screening aligned with how regulated payment services operate.
Licensing & local rails
We work through licensed partners and approved payout rails in each corridor. Coverage and requirements vary by country - see corridors for details.
Audit-ready records
References, confirmations, and traceable payout status to support finance and compliance reviews.
For diligence questionnaires or regulator-facing documentation, contact our compliance team.
Trusted by teams building in Africa
“Fiatsend cut our Ghana payout time from 3 days to under 10 seconds. The reliability at scale has been outstanding.”
Kwame A.
Operations Lead
“The API is clean, webhooks reliable, sandbox made integration painless. We were live in production within a week.”
David O.
Senior Engineer
“Only provider with proper audit trails for mobile money off-ramps. Our compliance team signed off in record time.”
Fatima I.
Compliance Manager
Ready to move money in Africa?
Get your API keys and start building. Go from sandbox to live payouts in days, not months.