Skip to main content

Onramping - Buy USDC with Fiat

Convert fiat currency (like Kenyan Shillings, USD, etc.) into USDC stablecoins directly from your mobile money account, credit card, or other payment methods. Top up your Solana wallet instantly without needing to use an exchange.

What is Onramping?​

Onramping is the process of converting traditional fiat currency (government-issued money like KES, USD, EUR) into cryptocurrency (USDC stablecoins) so you can use it on reply.cash and other crypto platforms.

Why use onramping?

  • ✅ Direct conversion - Convert fiat to USDC in one step
  • ✅ No exchange needed - Buy USDC directly in reply.cash
  • ✅ Instant top-up - USDC arrives in your wallet within minutes
  • ✅ Multiple payment methods - Use mobile money, cards, Apple Pay, and more
  • ✅ Send to any wallet - Specify any Solana wallet address

Available Onramp Methods​

We're continuously adding more onramp providers to make it easier to buy USDC from anywhere in the world.

💡 Quick Tip: All mobile money onramps feature automatic network detection - just enter your phone number and the system identifies your mobile money provider automatically!

🇰🇪 M-Pesa (Kenya)​

Buy USDC directly with your M-Pesa account using STK Push. No bank account or credit card needed.

Features:

  • ✅ Instant top-up (1-5 minutes)
  • ✅ Secure STK Push authentication
  • ✅ Send to any Solana wallet
  • ✅ No bank account required

→ Complete M-Pesa Onramp Guide - Step-by-step instructions with STK Push explanation

🇬🇭 Mobile Money (Ghana)​

Buy USDC with mobile money in Ghana. Automatic network detection for MTN Mobile Money, AirtelTigo Money, or Telecel Cash.

Features:

  • ✅ Instant top-up (1-5 minutes)
  • ✅ Automatic network detection based on phone number
  • ✅ Multiple networks supported (MTN, AirtelTigo, Telecel)
  • ✅ Send to any Solana wallet
  • ✅ No bank account required

→ Ghana Mobile Money Onramp Guide - Step-by-step instructions with network detection

🇺🇬 Mobile Money (Uganda)​

Buy USDC with mobile money in Uganda. Automatic network detection for MTN Mobile Money or Airtel Money.

Features:

  • ✅ Instant top-up (1-5 minutes)
  • ✅ Automatic network detection based on phone number
  • ✅ Multiple networks supported (MTN, Airtel)
  • ✅ Send to any Solana wallet
  • ✅ No bank account required

→ Uganda Mobile Money Onramp Guide - Step-by-step instructions with network detection

🇨🇩 Mobile Money (DR Congo)​

Buy USDC with mobile money in DR Congo. Automatic network detection for Airtel Money, Mpesa, or Orange Money.

Features:

  • ✅ Instant top-up (1-5 minutes)
  • ✅ Automatic network detection based on phone number
  • ✅ Multiple networks supported (Airtel, Mpesa, Orange)
  • ✅ Send to any Solana wallet
  • ✅ No bank account required

→ DR Congo Mobile Money Onramp Guide - Step-by-step instructions with network detection

🇲🇼 Mobile Money (Malawi)​

Buy USDC with mobile money in Malawi. Automatic network detection for Airtel Money or TNM Mpamba.

Features:

  • ✅ Instant top-up (1-5 minutes)
  • ✅ Automatic network detection based on phone number
  • ✅ Multiple networks supported (Airtel, TNM Mpamba)
  • ✅ Send to any Solana wallet
  • ✅ No bank account required

→ Malawi Mobile Money Onramp Guide - Step-by-step instructions with network detection

🍎 Apple Pay (Coming Soon)​

Buy USDC with Apple Pay for a seamless, secure payment experience.

Features:

  • ✅ One-tap payment
  • ✅ Face ID / Touch ID authentication
  • ✅ Available on iOS devices
  • ✅ Secure and fast

Apple Pay onramp is coming soon. Check back for updates.

💳 Credit/Debit Cards (Coming Soon)​

Buy USDC with your credit or debit card for instant top-ups.

Features:

  • ✅ Instant processing
  • ✅ Support for major card networks
  • ✅ Secure card processing
  • ✅ Available worldwide

Card payments are coming soon. We're adding support for Visa, Mastercard, and more.

🌍 More Providers Coming Soon​

We're actively working on adding more onramp methods:

  • Bank Transfers: Direct bank transfers for multiple countries
  • UPI: Unified Payments Interface for India
  • Other Payment Methods: Additional local payment rails

Check back regularly as we add new onramp methods. Follow our updates for announcements.

Already Have Crypto?​

If you already have cryptocurrency, you don't need to use onramping. Instead, you can:

Option 1: Swap Tokens to USDC​

If you have other tokens (SOL, USDT, etc.) in your Solana wallet, you can swap them directly to USDC using Jupiter swaps.

→ Swapping Tokens Guide - Swap any Solana token to USDC instantly

Quick Method:

  • Go to your home page in reply.cash
  • Click on any token balance
  • Select "Swap" to open Jupiter swap widget
  • Swap to USDC instantly

Option 2: Cross-Chain Topups​

If you have USDC or USDT on other blockchains (Ethereum, Polygon, Base, etc.), transfer them to Solana using NEAR Intents.

→ Cross-Chain Topup Guide - Transfer from 25+ chains to Solana

Supported Chains:

  • Ethereum, Polygon, Arbitrum, Base, Avalanche, and 20+ more

How Onramping Works​

General Process​

  1. Select Payment Method

    • Choose your preferred onramp method (M-Pesa, Apple Pay, Card, etc.)
    • Available methods depend on your country

  2. Enter Amount

    • Enter the amount in your local currency (KES, USD, etc.)
    • See the exact USDC amount you'll receive

  3. Provide Payment Details

    • Enter required payment information
    • For M-Pesa: Phone number
    • For Cards: Card details
    • For Apple Pay: Use Face ID/Touch ID

  4. Authorize Payment

    • Confirm the transaction
    • Authorize using your payment method's security (PIN, biometrics, etc.)

  5. Receive USDC

    • USDC arrives in your Solana wallet (or specified wallet)
    • Typically within 1-5 minutes
    • Check your wallet balance to verify

Destination Wallets​

Default: USDC goes to your connected Solana wallet

External Wallet: You can specify any Solana wallet address:

  • Send to someone else's wallet
  • Send to multiple wallets
  • Send to business wallets
  • Gift USDC to others

⚠️ Important: Always verify wallet addresses - transactions cannot be reversed.

Transaction Limits & Fees​

Limits​

Transaction limits vary by:

  • Payment method (M-Pesa, mobile money, card, etc.)
  • Country regulations
  • Account verification level (KYC tier)

Quick Reference by Country:

CountryMinimumMaximum per TransactionDaily Limit
🇰🇪 Kenya (M-Pesa)KES 100KES 150,000KES 70,000 - 500,000
🇬🇭 GhanaGHS 5GHS 5,000GHS 1,000 - 10,000
🇺🇬 UgandaUGX 500UGX 5,000,000UGX 1,000,000 - 10,000,000
🇨🇩 DR CongoCDF 2,800CDF 280,000CDF 280,000 - 2,800,000
🇲🇼 MalawiMWK 100MWK 5,000,000MWK 5,000,000 - 50,000,000

Limits vary by account tier. See specific onramp guides for detailed limits.

Fees​

Payment Provider Fees:

  • Each payment method has its own fees (M-Pesa, mobile money, card processing, etc.)
  • Fees are shown before you confirm
  • Typically 0.5% - 2% of transaction amount (varies by method)

Exchange Rate:

  • Based on current market rates (fiat to USDC)
  • Rate is shown before confirmation
  • Small spread may apply (typically < 1%)

reply.cash Fees:

  • No additional platform fees during initial growth phase
  • Transparent pricing shown upfront
  • All fees displayed before you confirm

Example Cost Breakdown:

  • Buying KES 1,000 worth of USDC
  • M-Pesa fee: ~KES 27
  • Exchange rate spread: ~KES 5-10
  • Total cost: ~KES 32-37
  • USDC received: ~$6.30-6.35 (at current rates)

Security Best Practices​

Protect Your Payment Method​

  • ✅ Never share PINs or passwords - reply.cash will never ask for these
  • ✅ Verify merchant name - Should show "reply.cash" or similar
  • ✅ Check amount before confirming - Verify the amount matches
  • ✅ Use official reply.cash app only - Avoid phishing sites
  • ✅ Keep payment apps secure - Use screen lock and biometrics

Protect Your Wallet​

  • ✅ Verify wallet addresses - Always double-check before sending
  • ✅ Test with small amounts first - If using external wallets
  • ✅ Keep wallet private keys secure - Never share your seed phrase
  • ✅ Check transaction confirmations - Verify USDC arrived correctly

Troubleshooting​

Payment Failed​

Solutions:

  • ✅ Check you have sufficient balance (amount + fees)
  • ✅ Verify payment method is active and not suspended
  • ✅ Ensure you're within transaction limits
  • ✅ Try again after a few minutes
  • ✅ Contact support with transaction details

USDC Not Received​

Solutions:

  • ✅ Wait 5-10 minutes - processing can take time
  • ✅ Check the correct wallet address was used
  • ✅ Verify wallet is connected and synced
  • ✅ Check transaction status on Solana Explorer
  • ✅ Refresh your wallet balance
  • ✅ Contact support with payment confirmation and wallet address

Wrong Wallet Address​

Solutions:

  • ⚠️ Transactions cannot be reversed - Solana transactions are irreversible
  • ✅ If you know the recipient, contact them directly
  • ✅ For future transactions, always double-check addresses
  • ✅ Consider using QR codes to avoid manual entry errors

Quick Start Guide​

New to onramping? Follow these simple steps:

  1. Set up wallet → Get a Solana wallet
  2. Choose your country → Select from available onramp methods above
  3. Buy USDC → Use mobile money or other payment methods
  4. Start sending → Send money to mobile money and banks

Popular Onramp Methods:

Frequently Asked Questions​

How long does it take to receive USDC?​

USDC typically arrives within 1-5 minutes after payment confirmation. Processing times may vary based on payment method and network congestion.

By Payment Method:

  • Mobile Money: 1-5 minutes (fastest)
  • M-Pesa STK Push: 1-5 minutes
  • Credit/Debit Cards: 1-3 minutes (when available)
  • Bank Transfers: 1-3 business days (when available)

Can I buy USDC for someone else?​

Yes! You can specify any Solana wallet address when buying USDC. Enter the recipient's wallet address, and USDC will be sent directly to them.

What if I already have crypto?​

If you already have cryptocurrency:

  • Swap tokens to USDC using Jupiter swaps
  • Cross-chain topup from other chains using NEAR Intents
  • Direct transfer USDC to your Solana wallet

Can I cancel a purchase?​

Once payment is confirmed, the transaction cannot be cancelled. However, if you haven't authorized the payment yet (e.g., haven't entered PIN), you can simply ignore the prompt and it will expire.

What exchange rate is used?​

The exchange rate is based on current market rates (fiat to USDC) at the time of your transaction. The exact rate is shown before you confirm the purchase.

Are there minimum or maximum amounts?​

Limits vary by payment method and country. See specific onramp guides (e.g., M-Pesa) for detailed limits.

When will more onramp methods be available?​

We're continuously adding new onramp providers. Follow our updates or check back regularly for new methods.

Can I use onramping to send money to others?​

Yes! When buying USDC, you can specify any Solana wallet address. This means you can:

  • Buy USDC and send it directly to someone else's wallet
  • Gift USDC to friends and family
  • Top up business wallets
  • Send to multiple different wallets

What's the difference between onramping and sending money?​

Onramping = Converting fiat (local currency) to USDC crypto Sending Money = Converting USDC crypto to fiat (local currency) and sending to mobile money/banks

Think of it as:

  • Onramping: Fiat → Crypto (buying USDC)
  • Sending: Crypto → Fiat (spending USDC)

Is onramping safe?​

Yes! reply.cash uses:

  • ✅ Secure payment processing (STK Push, encrypted connections)
  • ✅ No storage of payment credentials
  • ✅ Transparent pricing (all fees shown upfront)
  • ✅ Blockchain verification (all transactions on-chain)
  • ✅ Industry-standard security practices

What if I don't have a mobile money account?​

You can still use reply.cash if you have:

Country-Specific Onramp Guides​

Get detailed instructions for your country:

Onboarding Guides by Country​

Complete setup guides for each country:

See Also​

💡 Pro Tips​

  • Start small: Test with a small amount first to familiarize yourself with the process
  • Check rates: Exchange rates fluctuate - check before confirming
  • Save receipts: Keep transaction confirmations for your records
  • Network detection: Phone number auto-detection works best with international format (+country code)
  • Wallet backup: Always backup your wallet recovery phrase before making large purchases
  • Multiple methods: Try different payment methods to find what works best for you

Buy USDC with fiat currency. Multiple payment methods, instant top-ups, automatic network detection, and more providers coming soon. Convert mobile money to crypto instantly.