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USD → KES corridor
Send USD to Kenya — see the real cost
SaruPay routes your USD directly to Kenyan Shillings via Stellar's USDC corridors. No hidden FX markup. Every fee shown upfront before you send.
Live cost comparison
Cost breakdown — per transfer
| Provider | Fee (USD) | You receive (KES) | 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's Stellar corridor, funds typically settle in under 1 hour. SWIFT transfers take 1–3 business days. Mobile money (M-Pesa) via mobile rail settles in 30 minutes to 4 hours.
There is no hard cap on the SaruPay platform. Transfers above $10,000 may require additional KYC verification under Kenya's financial regulations. Typical SME and diaspora transfers of $50–$5,000 clear instantly.
Yes. SaruPay uses the Stellar blockchain network and licensed anchor partners regulated under the Central Bank of Kenya's fintech sandbox framework. All transactions are recorded on the public Stellar ledger.
No. Kenyan recipients can receive via M-Pesa, Airtel Money, or a local bank account. You choose the delivery rail when creating the invoice.
SaruPay routes via the mobile money rail directly to the recipient's M-Pesa number. The sender enters the Safaricom number; the recipient gets an SMS notification and the KES equivalent lands in their M-Pesa wallet.