How fast is Fiatsend settlement?

Most successful payouts settle to mobile money or bank accounts in under 10 seconds, depending on corridor and rail health.

Do I need local bank accounts to pay out in Africa?

No. Fiatsend abstracts local banking integrations so you can pay out across Africa without standing up a new partner stack in every country.

Is the Fiatsend sandbox free?

Yes. Create a free sandbox account with no credit card required. Production onboarding is available when you are ready to go live.

Payout infrastructure for Africa

Power payouts across Africa in seconds.

Launch in days. Instant settlement. Mobile money & bank rails. Compliance included. Stablecoin-powered — no local banking integrations required.

Create Free Sandbox Book Demo

No credit card required
Sandbox in minutes
Production onboarding available

Settlement: <10s
Corridors: 3+
API uptime: 99.9%

console.fiatsend.com

Welcome back, Fiatsend

Here's what's happening with your account.

USDC Balance

$184,220

Available to send

GHS Balance

₵42,800

From payments & swaps

Success Rate

99.2%

1,284 completed

Transaction Volume

Last 7 days (completed transactions)

+24%

Jul 25262728293031

Live payout

500 USDC → ₵3,100

Settled in 8.2s

Trusted by builders

Built with partners that enterprises already trust.

Accelerators & grants

Vonage for Startups
Aya × Lisk Incubation
Google for Startups
Stellar Development Foundation

Infrastructure & compliance

Circle
Stellar
Tatum
Vonage

Partners & ecosystem

MTN MoMo
M-Pesa
Telecel
AirtelTigo

Businesses onboarded: 45+
Transactions processed: $6M+
African corridors: 3+
API uptime: 99.9%
Median API response: <150ms
Developer satisfaction: 4.9/5

The problem

African payouts are still painfully hard.

Teams waste quarters stitching local rails together — then still miss settlement SLAs. Fiatsend replaces that stack with one API.

Multiple integrations

Every country means another MoMo API, bank partner, and ops playbook.

High fees & FX leakage

Opaque corridors eat margin before funds even reach the recipient.

Slow settlement

Hours or days of waiting destroy UX for payroll, remittance, and marketplaces.

Failed payouts

Silent failures, retries, and support tickets — with no clear status trail.

Bank dependencies

Local accounts, float management, and entity setup stall every launch.

Compliance complexity

KYC, AML, and reporting stack on top of already fragile rails.

One API. Instant local payouts. Compliance included.

Stop building payment rails. Start shipping product — create a free sandbox and send your first payout today.

Create Free Sandbox

How it works

Three steps from API key to paid recipient.

No local entity. No bank integrations. No multi-month corridor projects.

Connect your API

Create a sandbox, grab keys, and hit our REST endpoints — or use an SDK. Live in hours, not quarters.

# Install & authenticate

npm i @fiatsend/sdk

const client = new Fiatsend({ apiKey })

Send USDC

Fund treasury once. Trigger payouts with amount, phone or account, and corridor — we handle FX and rails.

POST /v1/payouts

{ amount: "500", currency: "USDC" }

{ destination: "GH · MoMo" }

Recipient gets paid instantly

Local currency lands in mobile money or bank — typically under 10 seconds — with webhooks and a full audit trail.

Settled · 8.2s

₵3,100 delivered

Ghana · MTN MoMo

Create Free Sandbox Book Demo

No credit card required
Sandbox in minutes
Production onboarding available

Business outcomes

Outcomes your board cares about — not feature checklists.

Fiatsend is built so finance, product, and engineering all win: faster launch, lower cost, higher completion, cleaner compliance.

console.fiatsend.com

Welcome back, Fiatsend

Here's what's happening with your account.

USDC Balance

$184,220

Available to send

GHS Balance

₵42,800

From payments & swaps

Success Rate

99.2%

1,284 completed

Transaction Volume

Last 7 days (completed transactions)

+24%

Jul 25262728293031

Launch faster

Go from idea to live African payouts in days — not the months it takes to stand up local banking partners.

Cut engineering effort

One integration replaces a dozen corridor-specific APIs, retry queues, and reconciliation scripts.

Lower payout costs

Transparent FX and corridor pricing — keep more margin on every payroll, remittance, or marketplace payout.

Instant settlement

Recipients typically receive local currency in under 10 seconds — with status webhooks you can trust.

Higher success rates

Smart routing, retries, and clear failure reasons drive payout completion that local rails alone cannot match.

Scale globally

Add corridors without new entities. Expand payroll, marketplaces, and remittance products across Africa from one stack.

Built-in compliance

KYC, AML screening, and auditable trails ship with the product — so risk and finance stay ahead of growth.

Create Free Sandbox

Industry solutions

Built for the businesses moving money into Africa.

Exchanges, payroll, marketplaces, remittance, fintechs, AI, gaming, and creators — same rails, tailored outcomes.

Crypto exchanges

Problem

Users expect instant off-ramps to African mobile money and banks — without you owning every rail.

How Fiatsend helps

Offer USDC → local currency withdrawals in seconds via one Fiatsend integration.

Create sandbox →

Payroll platforms

Problem

Paying contractors and teams across Africa means fragmented providers and late salaries.

How Fiatsend helps

Batch payroll payouts with instant settlement, clear status, and built-in compliance.

Create sandbox →

Marketplaces

Problem

Seller payouts stall growth when settlement is slow or fails silently across borders.

How Fiatsend helps

Disburse earnings to sellers on MoMo or bank accounts the moment orders clear.

Create sandbox →

Remittance

Problem

Corridor partners are expensive, slow, and hard to operate at consistent quality.

How Fiatsend helps

Stablecoin-funded remittance with instant last-mile delivery and transparent pricing.

Create sandbox →

Fintechs

Problem

Building Africa payout coverage in-house drains roadmap and burns compliance budget.

How Fiatsend helps

Embed Fiatsend as your payout layer and ship new corridors without new bank deals.

Create sandbox →

AI companies

Problem

Global AI workforces and labelers need reliable African payouts — crypto wallets alone are not enough.

How Fiatsend helps

Pay contributors in local currency at scale with API automation and audit trails.

Create sandbox →

Gaming

Problem

Player cashouts and creator rewards fail when local rails are bolted on as an afterthought.

How Fiatsend helps

Instant in-game and partner payouts to mobile money — keep players and partners paid.

Create sandbox →

Creator economy

Problem

Creators across Africa wait days for platform earnings while competitors offer same-day cash.

How Fiatsend helps

Push creator earnings to MoMo or bank instantly — turn payouts into a retention feature.

Create sandbox →

Create Free Sandbox

Product

See the console your ops and engineering teams will live in.

Dashboard, transactions, API keys, analytics, webhooks, wallets, and payouts — dark, modern, and built for high-volume operators.

console.fiatsend.com

Welcome back, Fiatsend

Here's what's happening with your account.

USDC Balance

$184,220

Available to send

GHS Balance

₵42,800

From payments & swaps

Success Rate

99.2%

1,284 completed

Transaction Volume

Last 7 days (completed transactions)

+24%

Jul 25262728293031

Recent Transactions

Last 10 transactions

po_8f2a91$500.00MTN MoMoSettled

po_91bc44$320.00M-PesaSettled

po_a01d77$1,200.00BankSettled

console.fiatsend.com

Welcome back, Fiatsend

Here's what's happening with your account.

USDC Balance

$184,220

Available to send

GHS Balance

₵42,800

From payments & swaps

Success Rate

99.2%

1,284 completed

Transaction Volume

Last 7 days (completed transactions)

+24%

Jul 25262728293031

Recent Transactions

Last 10 transactions

po_8f2a91$500.00MTN MoMoSettled

po_91bc44$320.00M-PesaSettled

po_a01d77$1,200.00BankSettled

Demo data above — your sandbox fills with live volume once payouts start flowing.

Create Free Sandbox Book Demo

No credit card required
Sandbox in minutes
Production onboarding available

Developer experience

Integration that feels like Stripe — for African payouts.

Clear docs, sandbox keys, webhook events, and a quickstart that gets your team to a successful test payout before the standup ends.

REST API
Predictable JSON endpoints
SDKs
Node, Python & more
Webhooks
Real-time payout events
Postman
Collection ready to import
Quickstart
First payout in minutes
GitHub
Examples & changelogs

Create Free Sandbox Browse docs →

quickstart.sh

curl https://api.fiatsend.com/v1/payouts \
  -H "Authorization: Bearer sk_test_…" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": "500.00",
    "currency": "USDC",
    "destination": {
      "country": "GH",
      "type": "mobile_money",
      "phone": "+233…"
    }
  }'

→ payout.settled in 8.2sView on GitHub

Customer stories

Results teams actually measure.

Placeholders based on typical Fiatsend outcomes — replace with published case studies as they land. The story is the same: sandbox first, then scale.

3 weeksto production

“We replaced three local payout vendors with Fiatsend. Sandbox to first live corridor took under a month — engineering barely noticed.”

Ama K.

Head of Product, payroll SaaS

40% lower payout ops cost

99.1%success rate

“Failed MoMo payouts were our #1 support ticket. With Fiatsend webhooks and retries, completion rates finally look like a real fintech.”

Daniel O.

CTO, remittance startup

Support tickets down 60%

<10smedian settle

“Our marketplace sellers in Ghana and Kenya get paid the same day now. Instant settlement became a sales feature, not an ops headache.”

Priya S.

Founder, B2B marketplace

Seller NPS +22 points

Ready to write your own case study?

Start in sandbox. Prove the corridor. Then talk production onboarding.

Create Free Sandbox

Security & compliance

Enterprise-grade controls for money movement.

Security is not a footer badge — it is how every payout is authorized, monitored, and evidenced.

KYC & identity

Recipient and business identity checks designed for African corridors — without blocking legitimate volume.

AML screening

Transaction monitoring and sanctions screening built into the payout path, with clear review workflows.

Encryption

TLS in transit, encrypted secrets at rest, and least-privilege API keys for sandbox and production.

Stablecoin custody

Treasury flows designed for USDC settlement with clear balances, segregation, and reconciliation.

Auditability

Immutable event history, webhook delivery logs, and exportable trails for finance and compliance.

Continuous monitoring

Uptime, anomaly detection, and ops alerting so incidents surface before customers do.

SOC 2 (in progress)KYC / AMLEncrypted at restRole-based accessWebhook signing

Create Free Sandbox

FAQ

Questions businesses ask before they sign up.

Still unsure? Create a sandbox — most answers become obvious after your first test payout.

Most successful payouts settle to mobile money or bank accounts in under 10 seconds. Exact timing depends on corridor and rail health — every payout exposes a full timeline in Console and via webhooks.

Create Free Sandbox

Start building today.

Create a free sandbox, send a test payout, and see African settlement in seconds — before you book a sales call.

Create Free Sandbox Talk to Sales

No credit card required
Sandbox in minutes
Production onboarding available