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Frequently Asked Questions

Get answers to the most common questions about reply.cash, the platform that lets you use stablecoins to pay with local rails - sending directly to mobile money accounts and banks.

Getting Started​

Why should I use reply.cash?​

reply.cash lets you spend crypto like cash, anywhere. Here are the key benefits:

Privacy & Security:

  • Avoid mobile money registration tracking - registering a mobile money number reveals your real-time location and personal information
  • No registration required for recipients - pay with mobile money without requiring recipients to register a number

Convenience:

  • 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 - mobile money accounts typically take 1-3 days to set up with identity verification

Cost Savings:

  • Lower fees - foreign users often face 3-8% fees for mobile money transactions; reply.cash typically charges under 2%
  • Avoid cross-network fees - cross-network transfers (e.g., M-Pesa to Airtel) can take 24-48 hours and incur 5-10% in fees; reply.cash 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

Learn more about the benefits →

Do I need a crypto wallet to receive payments?​

No. You do need a Solana wallet with USDC balance to send payments, but to receive payments this works on local rails. If you are receiving a cross-chain payment you need a wallet on the chain receiving the money.

Supported Assets and Platforms​

What kind of money can I send?​

USDT and USDC are supported assets on reply.cash. You can send local money with automatic conversion through local rails.

What platforms are currently supported?​

M-pesa in Kenya currently supported, with more platforms coming soon.

Which payment methods and countries do you support for mobile money rails?​

Kenya:

DR Congo:

Uganda:

Malawi:

Nigeria:

  • All Banks

Ghana:

  • MTN, AirtelTigo & Telecel

Which blockchains do you support?​

We currently support the Solana blockchain as primary, with 25+ chains supported through NEAR Intents for cross-chain topups and wallet-to-wallet transfers. reply.cash uses Solana (SPL tokens) for all mobile money and bank transfers. List of supported chains and their respective address types can be seen in the table below:

ChainAddress TypesSupport StatusExample Address
EVM Chains
(Arbitrum, Aurora, Base, Bera, BNB, Ethereum, Gnosis, Polygon, XLayer, Monad)		• EVM address (0x-prefixed, 42-char hex)✅ Supported0x85F17Cf997934a597031b2E18a9aB6ebD4B9f6a4
Cardano• Shelley Base
• Enterprise		⚠️ Partially supportedaddr1v8wfpcg4qfhmnzprzysj6j9c53u5j56j8rvhyjp08s53s6g07rfjm
Bitcoin• Legacy (1 prefix)
• P2SH (3 prefix)
• Bech32 (bc1)
• Taproot (bc1p)		✅ Supported1A1zP1eP5QGefi2DMPTfTL5SLmv7DivfNa (Legacy)
3FZbgi29cpjq2GjdwV8eyHuJJnkLtktZc5 (P2SH)
bc1qw508d6qejxtdg4y5r3zarvary0c5xw7kygt080 (Bech32)
bc1p5cyxnuxmeuwuvkwfem96llyr29s8l68p7z6zgt7zdkv3g7zv3qvqz6z8h7 (Taproot)
Doge• P2PKH/Legacy (starts with D)
• P2SH (starts with A or 9)		✅ SupportedD9nssC5jR1viPZhWwFvDkjYpJZYJVydN8k
Litecoin• Legacy (L prefix)
• P2SH (M prefix)
• Bech32 (ltc1q)
• Taproot (ltc1p)		✅ SupportedLZ3v1o8qK4b7sJ9mH2f5xQp8Pd1cR6TuVa (Legacy)
MDf8y1Kq9Tm5sR3aP7uW4cXn2Lb6vZjQhE (P2SH)
ltc1q9k3p7u5n0s4y8v2h3w6j5c9r2t0m4k7f5p0d2 (Bech32)
ltc1p4h7q9m3x5u2n8k6t4v9y3r5c2w7z0l3p5u8y6f0k2d (Taproot)
NEAR• Named (something.near)
• Implicit (64-char hex, SHA-256 of pubkey)		✅ Supportedalice.near, ed25519:...
Sui• Sui Address (32-char hex)✅ Supported0xcc64b79a3adf4d3c21ad25a97e3ecbe83e659e68964f62e6a1da8a037346a4ce
Stellar• 56-character base32 string✅ SupportedGBD7QFQVR4QWNEJSHP4VN7RAAUKXTMZ4EJ4EBMCR7CP3HMF7RXEASTD7
Solana• Base58-encoded Ed25519 public key (typically 44 chars)✅ SupportedBYPsjxa3YuZESQz1dKuBw1QSFCSpecsm8nCQhY5xbU1Z
TON• TON Addresses✅ SupportedEQAWzEKcdnykvXfUNouqdS62tvrp32bCxuKS6eQrS6ISgcLo
Tron• Base58Check-encoded (starts with T)✅ SupportedTQ1shhBFTN2TwaRXyH1oLyCz3Yvfbzgmbk
XRP• Classic (starts with r)
• Classic + Tag
• X-Address (starts with X)		✅ SupportedrDsbeomae4FXwgQTJp9Rs64Qg9vDiTCdBv
ZCash• Transparent (t1, t3)
• Unified (u1)		⚠️ Partially supportedt1ZCashExample..., t3ZCashExample..., u1ZCashExample...

For more details, check out our Supported Chains & Assets page.

Do you support private transactions?​

Soon will be supporting private transfers through PrivacyCash via USDC, USDT, and SOL Pools.

How It Works​

How does the recipient receive the money?​

Payments are automatically settled on local rails. Recipients receive funds directly in their mobile money or bank account:

  • No wallet required - funds arrive in their existing mobile money or bank account
  • Automatic conversion - USDC is converted to local currency automatically
  • Receipt provided - Recipients receive SMS or app notification with transaction receipt
  • Instant access - Funds are available immediately for use

How do I add money/topup my account?​

You can swap into USDC on SOL using Jupiter for swaps directly into dApp, or directly transfer. Soon we are adding cross-chain topups through NEAR Intents, and fiat, card, apple pay topups through onramps.

Do I need gas / transaction fee to use this?​

You only need USDC in your wallet! reply.cash uses the Kora relayer to automatically pay SOL gas fees from your USDC balance. The relayer charges a 10% margin on the SOL transaction fee (typically < $0.01 total). No SOL needed - just ensure you have sufficient USDC balance. Learn more about gas fees →

What is the minimum and maximum spend for mobile money transactions?​

Transaction limits vary by country and currency. Please check the app for current limits based on your selected country and payment method.

Security and Safety​

Is it secure?​

reply.cash is non custodial and we integrate non custodial integrations for payments, topups, and privacy.

What happens if I send money to the wrong account?​

Before transaction completes:

  • If you catch the error immediately, contact support with the transaction hash
  • Some transactions may be cancellable if caught early
  • Check transaction status in your dashboard

After transaction completes:

  • Once the payment is settled on local rails, transactions cannot be reversed
  • Mobile money and bank transfers are final once completed
  • Always double-check phone numbers and account numbers before sending
  • Contact support immediately if you sent to the wrong number/account

What if my payment failed but USDC was deducted from my wallet?​

If USDC was deducted from your wallet but the local payment was not completed, you are eligible for a refund. Please see our Refund Policy for detailed instructions on how to request a refund. You'll need to contact support via tawk.to (integrated in app) or Discord with your transaction hash, payment country, and payment method.

Do I need KYC verification to use reply.cash?​

No KYC required for senders! To send payments via reply.cash, you only need:

  • A Solana wallet with USDC balance (no SOL needed - gas fees paid automatically via relayer)
  • No identity verification or KYC process
  • No personal documents needed

For recipients: Recipients don't need any verification - they receive funds directly to their mobile money or bank account, which is already verified by their mobile money provider or bank.

Costs and Limits​

How much does it cost to use reply.cash?​

For Recipients: Receiving funds is completely free - no fees, no wallet required, funds arrive directly in mobile money or bank account

For Senders:

  • The reply.cash service itself is free to use
  • You only pay blockchain transaction fees (gas fees) paid automatically from your USDC balance via Kora relayer
  • Gas fees are very low (< $0.01 per transaction, including 10% relayer margin)
  • No SOL needed - all fees paid from USDC balance
  • No hidden fees or platform charges

Are there any limits on how much I can send?​

Transaction limits vary by country and payment method. Please check the app for current limits based on your selected country and payment method.

How long does it take for recipients to receive funds?​

Processing times:

  • Mobile money payments: Typically 1-5 minutes after transaction confirmation
  • Bank transfers: May take 1-3 business days depending on country and bank
  • Automatic deposit: Funds arrive directly in recipient's account - no claiming needed
  • Receipt provided: Recipients receive SMS or app notification with receipt
  • No expiration: Funds are deposited immediately - no claiming period or expiration

Technical Questions​

Which Solana wallets can I connect with​

Wallets (Phantom, Solflare, Backpack, Jupiter, Any Wallet Standard compatible wallet) that support the new Solana Connector Kit.

How do transaction confirmations work?​

Transaction Process:

  1. Initiation - You confirm send transaction
  2. Blockchain processing - Transaction submitted to Solana
  3. Confirmation - Usually completes in 1-2 seconds on Solana
  4. Settlement - Payment automatically settled on local rails
  5. Receipt - Recipient receives receipt for proof

Tracking:

  • All transactions have unique transaction hashes
  • View status in reply.cash dashboard
  • Check on Solana block explorer for verification

What happens during network congestion?​

Solana Network Benefits:

  • Very low congestion due to efficient consensus
  • Consistent ~1-2 second transaction times
  • Minimal fee fluctuation during high usage

If delays occur:

  • Transactions queue automatically
  • No failed transactions due to gas estimation
  • Real-time status updates in dashboard
  • Customer support for extended delays

Troubleshooting​

I can't connect my wallet​

Common solutions:

  1. Clear browser cache and cookies
  2. Disable ad blockers temporarily
  3. Try incognito/private browsing mode
  4. Update your wallet to latest version
  5. Check wallet connection to Solana mainnet
  6. Try different browser (Chrome, Firefox, Safari)
  7. Ensure your wallet supports Solana Connector Kit

The recipient didn't receive payment​

Check these items:

  1. Verify the payment method is supported in recipient's country
  2. Check transaction status in dashboard
  3. Verify recipient's mobile money account is active
  4. Platform may have delays - wait 5-10 minutes
  5. Contact support with transaction hash

Transaction is taking too long​

Expected timeframes:

  • Solana transactions: 1-2 seconds normally
  • Cross-chain via NEAR Intents: 2-5 minutes
  • Local rails settlement: 1-5 minutes for mobile money, 1-3 business days for bank transfers

If longer delays:

  • Check transaction hash on block explorer
  • Verify network status
  • Contact support with transaction details

Getting Help​

Where can I get support?​

Community Support:

Documentation:

How do I report bugs or request features?​

Bug Reports:

  • Discord community with detailed description
  • Include transaction hashes and error messages
  • Screenshots help identify UI issues

Feature Requests:

  • Community voting via Discord
  • Twitter mentions for public requests
  • GitHub issues for technical suggestions

Is there a mobile app?​

reply.cash is currently a Progressive Web App (PWA) that works excellently on mobile devices:

  • Mobile-optimized interface
  • Add to home screen for app-like experience
  • Works offline for basic functions
  • Push notifications support (coming soon)

Native mobile apps are planned for future development based on user demand.

Still have questions? Join our Discord community or check out our other documentation pages for more detailed information.