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About reply.cash | Stablecoin Payments via Mobile Money Networks

Use stablecoins to pay with local rails.

reply.cash enables anyone to use stablecoins to pay merchants, friends, and bills with local rails. Our mission is to make stablecoin payments as easy and universal as messaging, unlocking financial access and utility for billions. To meet people where they are already at.

Executive summary​

reply.cash enables seamless stablecoin transfers to mobile money accounts and banks without requiring recipients to have a crypto wallet. Recipients receive funds directly in their mobile money or bank accounts. The app is a progressive web app built on Solana with multichain capabilities via NEAR Intents and a user-first experience.

  • Send stablecoins with fees and gas costs automatically handled
  • View balances of stablecoins and other coins
  • Send to mobile money accounts (M-Pesa, Airtel Money, MTN Mobile Money) and banks
  • Multichain stablecoin payments via NEAR Intents (cross-chain routing)
  • Automatic conversion to local currencies (KES, NGN, GHS, UGX, etc.)

Slogans​

  • Spend crypto like cash, anywhere
  • Use stablecoins to pay with local rails
  • Send stablecoins to a phone number
  • No wallet required for recipients
  • Pay with mobile money without registering
  • Universal balance for all countries

What problems we solve​

  • Most users don't have crypto wallets and can't receive stablecoins
  • Traditional remittances are expensive and slow
  • Cross-border payments face high fees and long processing times
  • Wallet addresses are hard to share and remember
  • Billions use mobile money but lack access to global payment networks

The solution​

  • Send stablecoins directly to mobile money accounts and banks
  • Recipients receive funds in their local currency without needing a wallet
  • Automatic conversion from USDC/USDT to local currencies
  • Simple phone number or account number - no wallet addresses needed
  • Fast, low-cost transactions on Solana blockchain

Why use reply.cash as your local payments tool​

Privacy & Security Benefits:

  • Avoid mobile money registration tracking: Registering a mobile money number reveals your real-time location and personal information
    • In many African countries, telecom operators like MTN can track subscriber locations and share data with authorities and third parties
    • Companies use mobile money data to establish credit scores and track user behavior; in some cases, governments have used this data to monitor protests and activists (see Access Now's #KeepItOn report)
  • No registration required for recipients: Pay with mobile money without requiring recipients to register a number - funds arrive directly

Convenience & Speed:

  • No need to register everywhere you go: Keep a crypto balance and pay with local rails without registering mobile money numbers in every country
  • Instant payments: Use crypto for local real-time payment rails with instant settlement
  • Faster than traditional setup: Setting up a mobile money account typically takes 1-3 days and requires identity verification, which can be challenging for migrants or those without local documentation

Cost Savings:

  • Lower fees for foreign users: Foreign users often face fees of 3-8% for mobile money transactions, compared to 1-2% for local users. reply.cash provides a universal balance for instant cross-border remittances directly tied to mobile money rails at lower costs (typically under 2%)
  • Avoid cross-network fees: Cross-network mobile money transfers (e.g., M-Pesa to Airtel Money) can take 24-48 hours and incur 5-10% in combined transaction and FX fees; maintaining a crypto balance provides instant transfers at lower costs

Flexibility:

  • Use your favorite chains and assets: Pay people locally using any supported blockchain and asset
  • Universal balance: One crypto balance works across all supported countries and payment methods

For requirements and background, see requirements | reply.cash in the internal docs and the NEAR Intents documentation in the Backend section.

Vision & Mission​

reply.cash enables anyone to use stablecoins to pay with local rails, sending stablecoins directly to mobile money accounts and banks — no wallet required for recipients. Our mission is to make stablecoin payments as easy and universal as messaging, unlocking financial access and utility for billions.

Social​

  • X/Twitter: x.com/replydotcash
  • Discord: discord.gg/x8cnwh3g25 (support channel)
  • LinkedIn: https://www.linkedin.com/company/replydotcash

Supported networks and assets​

reply.cash is built on the Solana blockchain (primary) with USDC and USDT support. Additional chains are available through NEAR Intents technology for cross-chain transfers.

→ See complete details: Supported Chains & Assets

Supported payment methods​

reply.cash enables sending to mobile money accounts and banks in multiple countries:

  • 🇰🇪 Kenya: M-Pesa (Safaricom), Airtel Money, All Banks
  • 🇳🇬 Nigeria: All Banks (NUBAN)
  • 🇬🇭 Ghana: MTN Mobile Money, AirtelTigo Money, Telecel Cash
  • 🇺🇬 Uganda: MTN Mobile Money, Airtel Money
  • 🇲🇼 Malawi: Airtel Money, TNM Mpamba
  • 🇨🇩 DR Congo: Airtel Money, M-Pesa, Orange Money

→ See complete details: Supported Platforms