# ElementPay

> Stablecoin payments rails that work

ElementPay lets businesses and consumers in Africa convert between stablecoins and mobile money through APIs and a consumer app.

ElementPay provides stablecoin payment infrastructure for African markets, enabling bidirectional conversion between ERC-20 tokens and local currencies via M-Pesa. Businesses can integrate REST APIs for bulk payouts, collections, and cross-border settlements across multiple EVM-compatible blockchains. A consumer-facing app allows individual users to send crypto to mobile money accounts or purchase stablecoins with Kenyan Shillings.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2024-10-01
- Profile: https://thegrid.id/profiles/elementpay

## Products

- [Element Pay API](https://thegrid.id/profiles/elementpay): Element Pay API is a REST interface for bidirectional fiat-crypto conversion, supporting on-ramp orders where M-Pesa payments trigger ERC-20 token delivery to EVM wallet addresses, and off-ramp orders that withdraw tokens and settle fiat payouts to mobile money numbers, till numbers, or paybill accounts. The system locks exchange rates at order creation, validates ERC-20 allowances for off-ramp transactions, and delivers webhook notifications for order state transitions across sandbox and production environments. (On/Off Ramp, Live, Main Product)
- [ElementPay](https://thegrid.id/profiles/elementpay): ElementPay is a consumer web application for converting cryptocurrency to mobile money and making payments in Kenya. Users send crypto to M-Pesa numbers, pay bills via Paybill or Till numbers, or buy crypto with KES through connected wallets. The app supports micropayments and instant settlement to mobile money accounts across supported EVM networks. (On/Off Ramp, Live)

## Links

- [Main](https://www.elementpay.net)
- [Terms of Service](https://www.elementpay.net/terms-conditions)
- [Privacy policy](https://www.elementpay.net/privacy-policy)
- [Twitter / X](https://x.com/element_pay)
- [GitHub](https://github.com/elementpayHQ)

## Legal

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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