Crypto On-Ramp / Off-Ramp & Stablecoin Settlement

Kotani Pay provides B2B on-ramp and off-ramp infrastructure enabling businesses to convert seamlessly between cryptocurrencies, stablecoins, and local African fiat currencies. The platform bridges blockchain-based digital assets with Africa's local payment rails — including mobile money networks such as M-Pesa — through a single, enterprise-grade integration point.

On-Ramp & Off-Ramp

The core conversion service supports both directions: on-ramping local fiat currencies into digital assets (USDC, USDT, cUSD, USDGLO, DAI) and off-ramping digital assets back into local currencies delivered directly to mobile money wallets. Automated STK Push payments enable frictionless, mobile-initiated transactions without manual intervention. Supported currencies include KES (Kenyan Shilling), GHC (Ghanaian Cedi), XAF (Central African Franc), and USD alongside major stablecoins.

Stablecoin Settlement Infrastructure

For businesses facing dollar liquidity challenges in Africa, Kotani Pay's stablecoin settlement layer provides access to deep liquidity pools for cUSD, USDT, USDC, USDGLO, and DAI. Transaction costs are up to 4x cheaper than traditional payment systems, with settlement completing in under one minute. The platform supports 15+ blockchain networks including Arbitrum, Avalanche, Binance Smart Chain, Cardano, Celo, Cosmos, Optimism, Polygon, and Stellar.

Blockchain-Powered API

A white-label, modular, enterprise-grade API provides a single integration point connecting DApp wallets and blockchain networks to Africa's local payment channels. Businesses can customise the full user flow — from onboarding and KYC/KYB/AML verification through to fiat and digital asset access — across all supported African payment channels. Use cases include DeFi credit access, gig worker payouts in stablecoins, digital savings on-ramp/off-ramp, wallet cash-out, exchange off-ramp to mobile money, and cross-border remittance.

SMS-Based Off-Ramp Access

Kotani Pay extends off-ramp access to users without internet connectivity via an SMS-based interface. Users can cash out digital assets to their mobile money wallet entirely over SMS using a non-custodial blockchain wallet secured by a 4-digit PIN, with instant SMS notifications on withdrawal. This capability makes on/off-ramp infrastructure accessible to Africa's unbanked and underbanked populations, including gig economy workers, UBI recipients, and ReFi beneficiaries in rural areas.