Welcome to reply.cash Docs | Send Stablecoins via Mobile Money
Use stablecoins to pay with local rails — no wallet required.
Core Value Proposition
"Spend crypto like cash, anywhere."
reply.cash bridges the gap between stablecoin holdings and real-world spending by integrating directly with local payment rails—mobile money, UPI, bank transfers, and QR codes. No wallet requirements for recipients, no complex onboarding, just instant conversion from stablecoins to local currency on local rails.
- Save on fees - Lower transaction costs compared to traditional remittances
- Use any crypto to pay local rails - Support for multiple chains and assets
- Use crypto for local real-time payment rails - Instant settlement on mobile money networks
- No need to register everywhere - Keep a crypto balance and pay with local rails without registering mobile money numbers in every country
- Pay with mobile money without registering a number - Recipients don't need to register, funds arrive directly
- Use your favorite chains and assets - Pay people locally using any supported blockchain and asset
reply.cash lets you send USDT/USDC to mobile money accounts and banks. Recipients receive funds directly in their mobile money or bank accounts without needing a crypto wallet.
- So simple, anyone can use it
- Select a country and payment method (M-Pesa, Airtel Money, MTN, or bank)
- Enter phone number or account details and amount
- Payments settle automatically on local rails
Start here
- Getting Started → Create or connect a wallet
- Sending → Send to mobile money and banks
- Receiving → Receive funds and view history
- FAQ → Common questions answered
Main features
- Send stablecoins with fees and gas costs handled automatically
- Automatic currency conversion to local currencies
- Multichain via NEAR Intents; hyperlocalized assets
- Direct settlement to mobile money and bank accounts
For brand, UI, and deployment requirements, see the internal requirements document.
How it works (at a glance)
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Select a country and payment method (M-Pesa, Airtel Money, MTN, or bank)
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Enter phone number or account details and amount
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Payment settles automatically on local rails
Send to Your Country
Quick links to send payments via mobile money and banks:
| Country | Payment Methods | Guide |
|---|---|---|
| 🇰🇪 Kenya | Safaricom M-Pesa, Airtel Money, All Banks | Send to Kenya → |
| 🇳🇬 Nigeria | All Banks | Send to Nigeria → |
| 🇲🇼 Malawi | Airtel Money, TNM Mpamba | Send to Malawi → |
| 🇺🇬 Uganda | MTN Mobile Money, Airtel Money | Send to Uganda → |
| 🇬🇭 Ghana | MTN Mobile Money, AirtelTigo, Telecel | Send to Ghana → |
| 🇨🇩 DR Congo | Airtel Money, Mpesa, Orange Money | Send to DR Congo → |
See all supported countries: Supported Platforms