First
Connect your wallet
Use WalletConnect, MetaMask, Trust Wallet, or Coinbase Wallet. You send from that wallet. We never ask for a seed phrase.
Making stablecoins spendable
Send stablecoins from your wallet. We pay the recipient in local currency on mobile money. Rate and fee are shown before you confirm.
USDT and USDC on Base Sepolia. USDC on Polygon Amoy. Mainnet next!
Get the iOS and Android app as it rolls out.
Pay previewLive rate
You send
USDT / USDC-
from your wallet
Enter what the recipient should get. Rate locks when you confirm on the next screen.
Rwanda
Kenya
Uganda
Tanzania
Nigeria
Ghana
Ivory Coast
Senegal
Cameroon
DR Congo
Congo
Gabon
Benin
Burkina Faso
Sierra Leone
Mozambique
Malawi
Zambia
Rwanda
Kenya
Uganda
Tanzania
Nigeria
Ghana
Ivory Coast
Senegal
Cameroon
DR Congo
Congo
Gabon
Benin
Burkina Faso
Sierra Leone
Mozambique
Malawi
Zambia
Rwanda
Kenya
Uganda
Tanzania
Nigeria
Ghana
Ivory Coast
Senegal
Cameroon
DR Congo
Congo
Gabon
Benin
Burkina Faso
Sierra Leone
Mozambique
Malawi
Zambia
Rwanda
Kenya
Uganda
Tanzania
Nigeria
Ghana
Ivory Coast
Senegal
Cameroon
DR Congo
Congo
Gabon
Benin
Burkina Faso
Sierra Leone
Mozambique
Malawi
Zambia
How it works
Three steps
Wallet send, then mobile money payout in the recipient's country. No exchange account required.
- 1
First
Connect your wallet
Use WalletConnect, MetaMask, Trust Wallet, or Coinbase Wallet. You send from that wallet. We never ask for a seed phrase.
- 2
Next
Send the quoted stablecoin
Enter the recipient's mobile money number and country. Check the rate and fee, then send the exact USDT or USDC amount shown.
- 3
Finally
Recipient gets local currency
We pay out to their mobile money wallet. Watch the payment until it completes or fails.
Features
What you get
A quoted payout, a wallet send, and local currency on the recipient's mobile money account.
Your wallet
Connect the wallet you already use. USDT or USDC leaves it only when you confirm the send.
Transparent fees
See the exchange rate, service fee, and net payout before you confirm. No hidden spreads.
Status on every payment
Follow the deposit, then the mobile money payout, until it completes or fails.
Receipts
Open a payment later and download a receipt for your records.
Treasury settlement
Incoming USDT and USDC are matched on their own treasuries. Access is limited and payouts are logged.
African corridors
Pay out to mobile money in supported countries. Live networks and currencies are listed when you pay, on web and in the app.
Who it's for
For people who earn in USDT or USDC
Pay someone on mobile money in a supported African country. They do not need a crypto wallet.
Freelancers
Get paid in USDT or USDC and spend locally on rent, data, and daily costs.
Remote workers
Turn a stablecoin salary into the currency you actually use for bills and family.
Family support
Send to a relative's mobile money number. They receive local currency, not a crypto app.
Visitors
Keep USDT or USDC for the trip and pay people on the networks they already use.
Traders
Move USDT or USDC off an exchange into spendable mobile money without a local bank account.
No local bank
If the recipient has a mobile money wallet, you can pay them in their country when that corridor is open.
Trust and security
How we settle
You send USDT or USDC from your wallet. We match that token on treasury and pay out on mobile money. Access is limited. Payouts are logged.
Encrypted storage
Sensitive fields are encrypted in transit and at rest.
Limited admin access
Ops tools are behind a signed admin session, not public.
Audit log
Admin actions and payout state changes are recorded.
Review queue
Mismatched deposits go to manual review. They are not paid silently.
FAQ
Questions
Short answers about sending USDT or USDC and paying out on mobile money.
USDT and USDC. Both are live on Base Sepolia. Polygon Amoy currently takes USDC (USDT there is not wired yet). You send from your own wallet. Other coins and chains are not available yet.
Neither. You keep USDT or USDC in your wallet until you pay. When you confirm, that amount goes to the NikoPay treasury for that token and we pay out local currency on mobile money. We do not hold a balance for you between payments.
Supported countries and mobile money providers are listed when you pay, on web and in the app. You pick the country, then the network (for example MTN or Airtel). Corridors follow what the rail has open.
After the USDT or USDC deposit confirms on-chain, most payouts complete in minutes. If a network is delayed, the transfer can sit in a queue. The payment page shows the current status.
A service fee is taken from the quoted amount. The rate, fee, and net payout are shown before you send. What you confirm is what we settle, not a client-supplied price.
It is sent to the NikoPay treasury for that chain. We do not ask for your seed phrase. Only send the exact amount shown. Rounding can delay matching.
Yes, if that corridor is open. Choose the recipient's country and mobile money network, then send. New corridors appear when the rail enables them.
Yes. The iOS and Android app is rolling out. You can pay in the browser today. Both use the same flow: send USDT or USDC, recipient gets local currency on mobile money.
Updates
Get notes by email
Payments are available on the web. The mobile app is rolling out. Leave an email for corridor notes and when store listings open.
Questions? info@nikopay.to or +250 787 259 588