Which countries can I pay out to?

Ghana, Kenya and Nigeria are live today, across mobile money and bank rails. Tell us where else you need to pay and we will share our roadmap.

How much does it cost?

The sandbox is free. In production you pay a transparent fee per payout, averaging around 0.5% on many routes, plus a clear FX rate. High-volume teams can get custom pricing.

Do I need a local bank account or entity?

No. Fiatsend handles the local banking and mobile money connections, so you can pay out without setting up a partner stack in every country.

Build and test with sandbox keys, complete business verification with our team, fund your balance and switch to live keys. Most teams go live in days.

Pay anyone in Africa in seconds.

Q: How fast do payouts arrive?

Most payouts settle to mobile money or bank accounts in under 10 seconds. Timing can vary with the corridor and the health of local rails, and every payout shows a full timeline in the dashboard and via webhooks.

Fiatsend is the payout platform for businesses moving money into Africa. Fund in stablecoins, pay out to mobile money and bank accounts, and track every transfer from one API or dashboard.

Free sandbox, no card required. Moving volume already? Talk to sales

New payout

Delivered

You send

500.00

USDC

They receive

3,100.00

GHS · MTN MoMo

✓Payout created
✓Converted to GHS
✓Delivered to +233 •• 4821

Settled in

8.2 seconds

Recent payouts

Wanjiku K.
M-Pesa
KSh 41,250
6.4s
Tunde A.
Bank transfer
₦ 482,000
9.1s
Kofi B.
Telecel Cash
₵ 1,240
7.7s

Backed by and built with leaders in digital money

Everything you need to move money into Africa.

One platform replaces the patchwork of local banks, mobile money operators and FX desks.

Payouts API

Send money to mobile wallets and bank accounts with one API call. Single or batch payouts, with webhooks on every status change.

Explore the API →

Stablecoin settlement

Fund once in USDC and pay out in cedis, shillings or naira at a transparent rate. No local bank accounts needed.

See how pricing works →

Mobile money & bank rails

Reach MTN MoMo, M-Pesa, Telecel Cash, AirtelTigo and local banks through a single connection we maintain for you.

View corridors →

Dashboard & reporting

Track every payout in real time with a full audit trail, so ops and finance can reconcile without chasing support tickets.

Try the dashboard →

Trusted by 45+ businesses paying people across Africa.

Businesses onboarded: 45+
Payouts processed: $6M+
Median settlement: <10s
API uptime: 99.9%

Built for businesses that pay people in Africa.

Pick your business to see how teams like yours use Fiatsend.

Crypto exchanges

Give users instant cash-outs to mobile money.

Let customers withdraw USDC straight to their MoMo wallet or bank account, without you negotiating rails in every country.

Get started free Talk to sales

USDC to local currency in one call
Delivered in seconds, not days
Status webhooks for every withdrawal

Live in days, not quarters.

No local entity, no bank partnerships, no multi-month integration project.

Create your free account

Fund in USDC

Top up your balance with stablecoins. We handle conversion to local currency at a clear rate.

Send payouts

Pay recipients by phone number or bank account from the dashboard or API. Most land in under 10 seconds.

POST /v1/payouts

// Pay a mobile money wallet in Ghana
await client.payouts.create({
  amount: '500.00',
  currency: 'USDC',
  destination: {
    country: 'GH',
    type: 'mobile_money',
    phone: '+233241234821',
  },
});

// → status: 'settled' in 8.2s

Read the docs Developer overview →

Your money, handled with care.

Security and compliance are part of the product, so your risk and finance teams can say yes faster.

KYC & AML built in

KYC and AML screening are part of onboarding and every payout flow, not an add-on.

Encrypted and signed

Data encrypted in transit and at rest. Signed webhooks so you can verify every event.

Full audit trail

Every payout has a timestamped timeline, ready for reconciliation and your auditors.

Real people on support

Talk to our payments team in Accra when you need help, not a ticket queue.

Fiatsend is a payment technology company, not a bank.

Questions, answered.

Can't find what you need? Talk to our team or browse the full FAQ.

Most payouts settle to mobile money or bank accounts in under 10 seconds. Timing can vary with the corridor and the health of local rails, and every payout shows a full timeline in the dashboard and via webhooks.

Let's get your first payout out the door.

Tell us a little about your business and a payments specialist will reply within one business day.

Pricing for your corridors and volume
A walkthrough of the dashboard and API
Help planning your move to production

Prefer to start building right away?

Create a free sandbox and send a test payout today.

Get started free →