Cedar Stablecoin-Fiat Payment Rails

Cedar provides stablecoin-powered fiat on/off-ramp infrastructure designed for African businesses and global enterprises conducting high-volume cross-border transactions. The platform's dual-rail architecture combines stablecoins (USDC, USDT) and traditional fiat mechanisms to bypass the delays and costs of SWIFT and correspondent banking, enabling businesses to move money across 130+ countries at T+1–T+2 settlement speeds.

Product Overview

Cedar's payment rails are built around three integrated products — Hold, Send, and Receive — that together form a complete cross-border treasury and payment solution. Registered as an MSB with FinCEN (US) and FINTRAC (Canada), Cedar operates as a compliant infrastructure layer trusted by SMEs and large enterprises trading with Africa and emerging markets.

Key Features

• Cedar Hold (FX On-Ramp): Convert local African currencies (NGN, GHS, ZAR, KES) into USD at favourable rates via stablecoin rails; hold balances securely and pay global suppliers on your schedule — protecting margins from FX volatility and currency devaluation.
• Cross-Border Send: Disburse payments to suppliers and partners in 130+ countries and currencies, with single transactions up to $30,000,000 supported, transparent FX pricing, zero set-up fees, and real-time tracking.
• Cross-Border Receive: Collect international trade payments from buyers across 130+ source currencies, including all major African markets (Nigeria, South Africa, Kenya, Ghana, Ivory Coast, Tanzania); receive funds in USD, EUR, or GBP with T+1–T+2 settlement.
• T+1–T+2 settlement across 130+ countries, eliminating multi-day SWIFT delays.
• 24/7 security monitoring, MFA, and regular audits.
• Stablecoin-fiat dual-rail infrastructure for speed, reliability, and cost savings.

Use Cases

Cedar is purpose-built for businesses that import or export goods with African counterparties, regional distributors managing supplier payments across multiple currencies, and treasury teams seeking to protect USD holdings from local currency devaluation. Trusted partners include Luno, Yellow Card, Bridge, Bitnob, Triple-A, and Tazapay.