# Chainpaye

> Building payment rails for a borderless Africa

Chainpaye is a WhatsApp-based payment platform that lets users send, receive, and convert multiple currencies and stablecoins across borders.

Chainpaye is a cross-border payment platform that operates through WhatsApp, serving individuals and businesses in Africa and the diaspora. Users can send and receive fiat currencies, convert stablecoins to local currency, and withdraw funds directly to local bank accounts. The platform supports stablecoins on multiple networks for settlement, enabling crypto-to-bank transfers.

- 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. Users manage multi-currency wallets via WhatsApp chat commands to send, receive, and convert funds, or generate payment links for receiving payments internationally. Settlements route through stablecoins on multiple networks with stablecoin-to-bank conversions completing in under 50 seconds. (Social Payments, Live, Main Product)
- [Chainpaye for Business](https://thegrid.id/profiles/chainpaye): Chainpaye for Business is a payment API that enables platforms and businesses to accept cross-border stablecoin payments through the ChainpayeWidget SDK. After API credential setup, merchants receive customer payments from anywhere globally and settle in local currencies including NGN, GHS, KES, ZAR, and USD. A large-volume OTC stablecoin purchase service is also available for institutional transactions. (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)
- [Instagram](https://www.instagram.com/chainpaye?igsh=djQxM2x4eTRmMGx0&utm_source=qr)
- [Twitter / X](https://x.com/chainpaye?s=21)
- [TikTok](https://www.tiktok.com/@chainpaye_)

## Legal

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The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP