# Kotani Pay > Your reliable cash in and cash out partner Kotani Pay is a payments company providing fiat to stablecoin on-ramp and off-ramp services in Africa. It lets blockchain protocols, dApps, and fintechs integrate local payment channels via API and USSD. Kotani Pay is a payments company that provides fiat to stablecoin on-ramp and off-ramp infrastructure connecting Web3 users to local payment channels across Africa. It serves blockchain protocols, dApps, and fintech companies that need to settle digital assets into local currencies, and individuals seeking to cash in and cash out of stablecoins through familiar payment methods. The platform addresses the gap between blockchain based value transfer and the cash based payment channels most commonly used across the continent. Businesses integrate through a developer API to plug stablecoin settlement into their applications, while a USSD channel allows users without internet access to convert stablecoins to mobile money directly from a basic phone. The company is regulated as a financial service provider. Core offerings include a stablecoin settlement solution for one time fiat to stablecoin conversion, an API for payment channel integration, and USSD based access for cash out without a data connection. It is used by blockchain projects distributing digital payments, remittance and aid programs, and mobile money users across multiple African countries. - Type: Company - Sector: Payments - Status: Active - Founded: 2020-05-01 - Profile: https://thegrid.id/profiles/kotani_pay ## Products - [On/Off Ramp](https://thegrid.id/profiles/kotani_pay): On/Off Ramp is a bidirectional conversion service that lets users and businesses move funds between stablecoins and local African currencies. It supports cash-in and cash-out flows through mobile money channels, including STK push prompts, alongside bank transfer options. Blockchain protocols, decentralized applications, and fintechs use the service to onboard users and settle stablecoin transactions into local currency and back. (On/Off Ramp, Live, Main Product) - [Kotani Pay API](https://thegrid.id/profiles/kotani_pay): Kotani Pay API is a white-label REST API that connects blockchain applications to local African payment channels. It provides businesses with tools to integrate stablecoin on-ramp and off-ramp functionality directly into their own products, supporting mobile money networks across multiple African markets. Developers configure onboarding, KYC and KYB checks, and transaction flows to build customized payment experiences on top of the underlying infrastructure. (Payments Infrastructure & Orchestration, Live) - [SMS/USSD Wallet](https://thegrid.id/profiles/kotani_pay): SMS/USSD Wallet is a non-custodial blockchain wallet accessible through SMS and USSD codes, requiring no internet connection or smartphone. It lets users send, receive, and transact with digital assets while converting balances to and from mobile money, with PIN-based account protection and SMS notifications for withdrawals. The service serves users in areas with limited connectivity who need blockchain access through basic mobile phones. (Wallet, Live) - [Stablecoin Settlement Solution](https://thegrid.id/profiles/kotani_pay): Stablecoin Settlement Solution is a cross-border settlement service that lets businesses convert between fiat currencies and stablecoins to move funds across jurisdictions. Clients submit an order, receive daily rates through an automated dashboard, and confirm the transaction before receiving stablecoin or fiat at their preferred destination. The service targets businesses that need faster cross-border settlement than traditional bank transfers, which can take several days. (On/Off Ramp, Live) ## Links - [Main](https://kotanipay.com) - [Documentation](https://docs.kotanipay.com) - [Blog](https://kotanipay.com/blogs) - [Privacy policy](https://docs.kotanipay.com/docs/privacy-policy) - [Terms of Service](https://docs.kotanipay.com/docs/terms-and-conditions) - [LinkedIn](https://www.linkedin.com/company/kotanipay) - [Twitter / X](https://x.com/kotanipay) - [Facebook](https://www.facebook.com/kotanipay) - [Telegram](https://t.me/+Gmn5yjd5U9U0MmE0) - [Instagram](https://www.instagram.com/kotanipay) - [Medium](https://kotanipay.medium.com) - [GitHub](https://github.com/Kotani-Pay) ## 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. 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