# reply.cash > Use stablecoins to pay with local rails reply.cash is a non-custodial payments project that lets users send stablecoins to mobile money and bank accounts. It serves recipients across multiple countries in Africa and Latin America who do not need a crypto wallet to receive funds. reply.cash is a non-custodial payments project that lets users convert stablecoins into local currency payouts on mobile money and banking networks. Senders connect a supported wallet holding stablecoins, enter a recipient's phone number, QR code, or bank account details, and the funds settle directly into the recipient's local account without the recipient needing a crypto wallet or registration. The project addresses the difficulty of moving stablecoin value into everyday local payment systems across regions where mobile money usage often exceeds traditional banking. It supports cross-chain top-ups across a range of blockchains and assets, with conversion to local currency handled automatically at the point of payment. Fees and gas costs are managed on behalf of the sender, and the platform also offers optional private transfer features for added transaction confidentiality. Its payment rails include mobile money networks, direct bank transfers, and QR based payment systems, spanning multiple countries across Africa and Latin America. The service is used by individuals sending remittances, paying merchants, or settling bills, as well as businesses seeking cross-border payment routes without requiring counterparties to hold digital wallets. - 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 is a peer-to-peer payment platform that lets users send stablecoins directly to mobile money accounts, bank accounts, and QR payment providers in emerging markets. Senders link a Solana wallet holding stablecoins, enter a recipient's phone number or bank details, and funds are automatically converted and settled on local rails without the recipient needing a crypto wallet. The platform supports cross-chain top-ups from multiple blockchains, consolidating value into a single balance for local payouts, and operates non-custodially throughout the transfer process. (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. 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