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USD → GHS corridor
Send USD to Ghana — real rates, no hidden spread
Ghana's Cedi has seen significant FX volatility. SaruPay locks your rate at the moment you send, using live Stellar DEX pricing — not a bank's next-day rate sheet.
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
Via SaruPay Stellar corridor: under 1 hour. Standard SWIFT: 2–4 business days. MTN Mobile Money or Airtel: 30 minutes to 4 hours.
There is no platform minimum. Transfers as small as $10 are processed the same way as $10,000 transfers. The fee structure scales proportionally — small amounts aren't penalised with high fixed fees.
Yes. SaruPay uses GHST (Ghanaian Cedi stablecoin) via Stellar anchor partners operating under the Bank of Ghana's regulatory framework. All transactions are publicly verifiable on the Stellar ledger.
Yes. Choose the mobile money rail when creating the invoice. The recipient's MTN MoMo number receives the GHS equivalent directly.
Wise charges a 0.4–0.7% currency conversion fee plus a fixed transfer fee. SaruPay's Stellar rail typically lands at 0.15–0.5% total — and Ghana is not always covered by Wise at all. Check the live calculator above for the current comparison.