# Chainpaye > Pay, Send and Receive Money locally & globally Chainpaye is a WhatsApp-based cross-border payment platform. It lets users in Africa and the diaspora send, receive, and convert currencies and stablecoins, and cash out to local bank accounts. Chainpaye is a cross-border payments company that operates through WhatsApp, serving individuals and businesses across Africa and the diaspora. Users send and receive multiple fiat currencies, convert stablecoins to local currency, and withdraw funds directly to local bank accounts or mobile money, all managed through a conversational chat interface rather than a standalone app. The platform addresses the friction of moving money across African borders and off-ramping digital assets into everyday currency. It settles stablecoin transactions to local bank accounts within roughly a minute, using blockchain networks for the underlying transfer while presenting the experience as a simple chat flow with identity verification and PIN protection. Core offerings include peer-to-peer transfers, currency conversion across several African and global currencies, shareable payment links, and a crypto off-ramp for converting stablecoins into fiat. It is used by families sending remittances, freelancers and creators collecting payments, and businesses seeking payment collection tools, with the underlying technology built by its affiliated development team. - Type: Company - Sector: Payments - Status: Active - Founded: 2026-01-01 - Profile: https://thegrid.id/profiles/chainpaye ## Products - [Chainpaye](https://thegrid.id/profiles/chainpaye): Chainpaye is a WhatsApp-based payments platform for cross-border transfers and stablecoin off-ramps aimed at individuals and families moving money across Africa and abroad. Users issue chat commands to send, receive, and convert multiple fiat currencies, generate payment links, and off-ramp stablecoins directly to a bank account or mobile money. Settlement routes through stablecoins across multiple blockchains, with crypto-to-bank conversions completing in under a minute. The platform also offers a tiered spending card that lets users pay with stablecoin balances at physical and online merchants. (Social Payments, Live, Main Product) - [Chainpaye for Business](https://thegrid.id/profiles/chainpaye): Chainpaye for Business is a merchant payment API that lets platforms and businesses accept cross-border stablecoin payments through an embeddable payment widget. Merchants integrate the widget into their website, platform, or mobile app to receive customer payments from anywhere and settle instantly into local currencies. The product also provides a large-volume over-the-counter stablecoin purchase service for institutional buyers. (Merchant Payment Gateway, Live) ## Links - [Main](https://chainpaye.com) - [Privacy policy](https://windy-pocket-e02.notion.site/chainpaye-privacy-policy-2efda843c27c805bb749fdec52e22308) - [Telegram](https://t.me/chainpaye) - [GitHub](https://github.com/CapitaDApps/Chainpaye) - [TikTok](https://www.tiktok.com/@chainpaye_) - [Twitter / X](https://x.com/usechainpaye) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. 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