# reply.cash

> Use stablecoins to privately send to local payment rails

reply.cash lets users send stablecoins to mobile money accounts and bank accounts across Africa without recipients needing a crypto wallet.

reply.cash lets users convert stablecoins into local currency payments on mobile money and banking networks across Nigeria, Kenya, and Uganda. Senders connect a Solana wallet with USDC or USDT, enter a recipient's phone number or bank details, and funds settle directly to the recipient's mobile money account. The platform supports cross-chain topup from multiple blockchains and operates as a non-custodial service.

- Type: Project
- Sector: Payments
- Status: Active
- Founded: 2026-02-01
- Profile: https://thegrid.id/profiles/reply_cash

## Products

- [reply.cash](https://thegrid.id/profiles/reply_cash): reply.cash connects crypto and local money systems across the Global South. Users can send or convert stablecoins and other digital assets into local currency payments via mobile money, bank transfers, or QR code payments, no crypto wallet needed for recipients. Senders simply link a Solana wallet with USDC or USDT, enter a recipient’s phone number or bank details, and funds settle instantly to their local account. The platform supports cross-chain top-ups, private transfers, and operates entirely non‑custodially for secure, borderless payments across emerging markets. (Peer to Peer & Remittance, Live, Main Product)

## Links

- [Main](https://www.reply.cash)
- [Terms of Service](https://www.reply.cash/terms)
- [Documentation](https://docs.reply.cash)
- [Whitepaper](https://reply.cash/whitepaper)
- [Media Kit/branding](https://reply.cash/brand)
- [Privacy policy](https://reply.cash/privacy)
- [Twitter / X](https://x.com/replydotcash)
- [LinkedIn](https://www.linkedin.com/company/replydotcash)
- [Discord](https://discord.com/invite/x8cnwh3g25)
- [Facebook](https://www.facebook.com/replydotcash)
- [TikTok](https://www.tiktok.com/@replydotcash)

## Relationships

- [POTLOCK](https://thegrid.id/profiles/potlock): Parent organization

## 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