# Kotani Pay

> Your Reliable Cash in and Cash out Partner

Kotani Pay enables fiat to stablecoin conversions through local African payment channels with USSD access for SMS phone users.

Kotani Pay helps blockchain protocols and dApps integrate with African local payment channels by providing stablecoin on-ramp and off-ramp services. Users can convert stablecoins to local currencies, access blockchain services via SMS without internet, and complete transactions through mobile money. The platform serves businesses with cross-border payment solutions and enables financial inclusion across Africa.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2020-01-01
- Profile: https://thegrid.id/profiles/kotani_pay

## Products

- [Kotani Pay](https://thegrid.id/profiles/kotani_pay): Kotani Pay is an on/off-ramp platform that connects Web3 applications to local payment channels across Africa. It enables bidirectional conversion between stablecoins and local African currencies via mobile money, bank transfers, and USSD wallets. Developer integrations include a REST API, SDK, and embeddable widget. (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 enables developers to integrate stablecoin on-ramp and off-ramp functionality into their applications. It connects blockchain applications to local African payment channels including mobile money networks across multiple markets, supporting KYC and KYB onboarding with customizable transaction flows. (Payments Infrastructure & Orchestration, 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)

## 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. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

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
- a project's presence in The Grid's data does not imply endorsement.


- [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