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KES → GHS corridor
Send KES to Ghana — real cost, Stellar speed
Kenya and Ghana are two of Africa’s largest mobile money markets. SaruPay routes KES through the Stellar DEX to GHS — delivering Cedis to MTN Mobile Money or a Ghanaian bank account in under an hour.
Live cost comparison
Cost breakdown — per transfer
| Provider | Fee (USD) | You receive (GHS) | Settlement |
|---|
You save $0
vs Flutterwave on this transfer.
Stellar settlement — every tx on the public ledger
Sub-1% FX on most corridors
Settles in under 1 hour via USDC
Transparent fee before you send — no hidden spread
Frequently asked questions
Your KES amount is priced against the live Stellar DEX KEST/USDC orderbook, then routed through the USDC/GHST path to deliver GHS. You see the final GHS delivery amount before confirming — the rate is locked for 15 minutes once the invoice is created.
SaruPay pulls the live Stellar DEX rate on every calculator interaction. The displayed rate is the actual cross rate — not a mid-market rate with a spread added on top. Because KES and GHS are both anchored to USD via Stellar, the route is direct and low-cost.
Settlement via Stellar typically completes in under 1 hour. Recipients with MTN Mobile Money receive GHS directly in their MoMo wallet. Bank transfers to Ghanaian accounts take 1–4 hours depending on the receiving bank.
Yes. Ghanaian recipients can receive via MTN Mobile Money or any Ghanaian bank account. Select the mobile money rail when creating the invoice and provide the recipient’s MTN MoMo number.
Stellar rail: 0.15% of the USD-equivalent value plus a $0.30 fixed fee. For a 50,000 KES transfer (~$350), that is approximately $0.80 total. Compare that to SWIFT ($15–$25 fixed + 0.8% FX fee) or typical bureau rates (2–4% FX spread).