SaruPay routes your USD payments via SWIFT, Mobile Money (M-Pesa, Airtel), or USDC stablecoin — automatically selecting the best rate for Kenya, Nigeria, and Ghana.
SaruPay compares SWIFT, Mobile Money, and USDC rails in real time — so you always pay the least fees for your destination.
Every payment request checks live rates across all three rails. The routing engine picks the cheapest available path.
Business and individual KYC verification for Kenya, Nigeria, and Ghana. Transaction monitoring with configurable thresholds.
M-Pesa for Kenya, Airtel Money for Nigeria and Ghana — reach recipients directly on mobile wallets with instant settlement.
Send USDC that settles as KES, NGN, or GHS through the Stellar DEX. No bank account required on either end.
Create invoices in KES, NGN, or GHS. SaruPay converts to USD for your accounting and emails the payer a pay link.
Every routing decision logged with rail, fees, estimated settlement time, and compliance flags. Full audit trail.
Each rail has different speed, cost, and coverage characteristics. SaruPay picks the right one for your payment.
Traditional SWIFT for business payments and large transfers. Widest reach, higher fees.
Direct to mobile wallets in KE/NG/GH. Low fees, instant or same-day settlement for local recipients.
USDC routing through Stellar DEX anchors. Near-instant settlement, very low fees, 24/7 availability.
Currently serving USD, KES, NGN, and GHS across three African markets with real-time rail comparison.
Get a live rate comparison in seconds. No account required to check.
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