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KES → NGN corridor
Send KES to Nigeria — skip the inflated cross rate
Most providers convert KES → USD → NGN with a double FX spread at each step. SaruPay's Stellar routing prices the full path in a single DEX swap — you see the final NGN amount before confirming.
Live cost comparison
Cost breakdown — per transfer
| Provider | Fee (USD) | You receive (NGN) | 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
SaruPay converts your KES amount to USD equivalent using the live Stellar DEX rate, then routes through the USDC → NGNT Stellar path to deliver NGN. The entire route is priced atomically — you see the final amount upfront.
Yes. Bank correspondent routes between Kenya and Nigeria are some of the slowest in Africa — often 3–7 business days with opaque FX conversion. SaruPay settles in under 1 hour via Stellar.
SaruPay charges 0.15% of the USD-equivalent value plus a $0.30 fixed fee on the Stellar rail. Enter your amount in the calculator above to see the exact fee in KES and expected NGN delivered.
Rates are live at the time of invoice creation. Once the invoice is created, the quoted NGN amount is locked for 15 minutes — enough time for the payer to complete the transfer.
For transfers under $10,000 equivalent, standard KYC (name + phone) is sufficient. Larger transfers require ID verification under both Central Bank of Kenya and CBN remittance guidelines.