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Supported Platforms

reply.cash enables sending stablecoins through local payment rails, including mobile money networks (MNOs) and banking systems. Payments are automatically settled on local rails, and recipients receive funds directly in their mobile money accounts or bank accounts.

Why use reply.cash? Spend crypto like cash, anywhere. No need to register mobile money numbers everywhere you go - keep a crypto balance and pay with local rails instantly. Save on fees (typically under 2% vs 3-8% for traditional remittances), use any supported chain and asset, and enjoy privacy benefits without revealing your location through mobile money registration. Learn more about the benefits →

Mobile Money Networks & Banking Platforms​

The following table shows all supported countries, their mobile money operators (MNOs), and transaction limits:

CountryMNOsLower LimitHigher LimitUser Guide
🇰🇪 KenyaSafaricom & Airtel + All banksKES 20KES 250,000📖 Guide
🇳🇬 NigeriaAll BanksNGN 100NGN 1,000,000📖 Guide
🇲🇼 MalawiAirtel & TNM MpambaMWK 100MWK 5,000,000📖 Guide
🇺🇬 UgandaMTN & AirtelUGX 500UGX 5,000,000📖 Guide
🇬🇭 GhanaMTN, AirtelTigo & TelecelGHS 5GHS 5,000📖 Guide
🇨🇩 DR CongoAirtel Money, Mpesa & Orange MoneyCDF 2,800CDF 280,000📖 Guide

How It Works​

Payment Flow​

  1. Sender initiates payment via reply.cash app
  2. Select recipient's country and payment method (MNO or bank)
  3. Enter recipient's phone number or account details
  4. USDC is automatically converted to local currency at current exchange rates
  5. Payment is settled on local rails (mobile money or banking network)
  6. Recipient receives funds directly in their account
  7. Receipt is generated for proof of payment

Automatic Currency Conversion​

  • Your USDC balance is automatically converted to the recipient's local currency
  • Exchange rates are updated in real-time
  • Conversion happens seamlessly during the transaction
  • No manual currency conversion needed

Transaction Limits​

Each country has specific minimum and maximum transaction limits:

  • Lower limits ensure transactions meet minimum requirements for local payment systems
  • Higher limits comply with local regulations and payment network capabilities
  • Limits are enforced automatically to ensure compliance

Platform-Specific Guides​

For detailed instructions on sending to each country, see our platform-specific guides:

Security & Compliance​

Identity Verification​

  • Recipients are verified through their mobile money or bank account registration
  • Phone numbers are validated against registered accounts
  • Bank accounts are verified through banking network protocols

Transaction Security​

  • All transactions are processed through secure payment gateways
  • End-to-end encryption for sensitive financial data
  • Compliance with local financial regulations
  • Fraud detection and prevention measures

Privacy Protection​

  • Minimal data collection required
  • Secure handling of financial information
  • Compliance with local data protection laws
  • No storage of sensitive account details

Getting Started​

For Senders​

  1. Connect your Solana wallet with USDC balance
  2. Navigate to "Send" in the app
  3. Select "Local Payment Rails" or "Mobile Money"
  4. Choose recipient's country from the list
  5. Select payment method (MNO or bank)
  6. Enter recipient's phone number or account details
  7. Enter amount (automatically converted to local currency)
  8. Review and confirm the transaction

For Recipients​

Benefits for recipients:

  • ✅ No wallet required - Funds arrive directly in your mobile money or bank account
  • ✅ No registration needed - No need to register with reply.cash
  • ✅ Free to receive - No fees for receiving payments
  • ✅ Instant access - Funds are available immediately for use
  • ✅ Privacy - Avoid mobile money registration tracking

How to receive:

  1. Receive payment notification via SMS or app notification
  2. Check your mobile money account or bank account
  3. Funds are automatically deposited - no action needed
  4. Save the receipt for your records

Supported Payment Methods by Country​

Kenya 🇰🇪​

  • Safaricom M-Pesa: Most popular mobile money service in Kenya
  • Airtel Money: Alternative mobile money provider
  • All Banks: Direct bank transfers to any Kenyan bank account

Nigeria 🇳🇬​

  • All Banks: Direct transfers to any Nigerian bank account via bank transfer network

Malawi 🇲🇼​

  • Airtel Money: Mobile money service
  • TNM Mpamba: TNM's mobile money platform

Uganda 🇺🇬​

  • MTN Mobile Money: Leading mobile money service
  • Airtel Money: Alternative mobile money provider

Ghana 🇬🇭​

  • MTN Mobile Money: Most popular mobile money service
  • AirtelTigo Money: Combined Airtel and Tigo mobile money
  • Telecel Cash: Telecel's mobile money service

DR Congo 🇨🇩​

  • Airtel Money: Mobile money service
  • Mpesa: Mobile money platform
  • Orange Money: Orange's mobile money service

Frequently Asked Questions​

How long do payments take to settle?​

Mobile Money Payments:

  • Typically 1-5 minutes after transaction confirmation
  • May take up to 10-15 minutes during peak times or network congestion
  • Instant for most transactions

Bank Transfers:

  • Typically 1-3 business days depending on country and bank
  • Some banks may process faster (same-day or next-day)
  • Processing times vary by bank and country regulations

Settlement times may vary slightly based on the local payment network and bank processing schedules.

Do recipients need a reply.cash account?​

No. Recipients receive funds directly in their mobile money or bank accounts. They don't need to create a reply.cash account or download the app.

What happens if I enter the wrong phone number?​

Always double-check the phone number before confirming. Once a payment is processed, it cannot be reversed. If you send to the wrong number, you'll need to contact the recipient directly.

Are there any fees for recipients?​

No. Recipients receive the full amount you send. All fees are covered by the sender or absorbed by reply.cash during the initial growth phase.

Can I send to multiple recipients at once?​

Currently, you need to send individual transactions for each recipient. Bulk sending features are coming soon.

For information about supported blockchain networks and assets, see our Supported Chains & Assets page.