# Sarafa

> Simplifying money, unlocking opportunities

Sarafa is a fintech company operating a stablecoin payment platform for Africa and the Middle East. It helps individuals, businesses, and agents send, receive, and convert money using stablecoins and multi-currency accounts.

Sarafa is a fintech company that operates a stablecoin payment platform serving individuals, businesses, and agents across Africa and the Middle East. It allows users to hold multiple currencies, convert between local currencies and stablecoins pegged to the US dollar, and move money across borders through mobile money, bank transfers, and cash pickup. The platform targets underserved markets where currency devaluation and limited banking access make everyday transactions difficult.

The service addresses the difficulty of accessing stable value and reliable transfer channels in high inflation economies. Users top up a fiat wallet, buy stablecoins, and send or convert funds, with local agents and merchants supporting cash withdrawal where banking infrastructure is limited. Coverage spans multiple countries across East Africa, the Gulf, and beyond, with services varying by market.

Sarafa offers virtual cards, payment links, and a programmable payments API alongside separate consumer, agent, and merchant applications. Agents and merchants use dedicated apps to facilitate cash pickup and disbursement, while businesses can integrate payment collection through the API. The platform is used by individuals sending remittances, freelancers receiving international payments, and businesses managing cross-border transactions.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2023-01-01
- Profile: https://thegrid.id/profiles/sarafa

## Products

- [Sarafa](https://thegrid.id/profiles/sarafa): Sarafa is a stablecoin-powered neobank providing multi-currency account management, cross-border remittances, and fiat-to-stablecoin conversion. The platform integrates with mobile money networks and cash agents for deposits and withdrawals and supports virtual and physical payment cards, personalized payment links via PayTag, and invoice generation. An agent interface enables community-level financial services including airtime sales, utility bill payments, and local currency exchange, while a merchant-facing surface handles in-store and online payment acceptance. (Neobank, Live, Main Product)
- [Sarafa Merchant](https://thegrid.id/profiles/sarafa): Sarafa Merchant is a web-based payment acceptance platform for businesses, enabling in-store and online collection via scannable QR codes and merchant-specific payment identifiers. The system processes multi-currency transactions and settles funds in the merchant's preferred currency. Merchants manage payment activity and configure their storefront through a dedicated web portal. (Merchant Payment Gateway, Live)
- [Sarafa API](https://thegrid.id/profiles/sarafa): Sarafa API is a RESTful interface enabling developers and businesses to integrate Sarafa's cross-border payment capabilities including stablecoin transfers, mobile money, and multi-currency settlement into their own platforms. It supports wallet management, fund collection, and disbursement operations. Endpoints return JSON-formatted responses for all supported operations. (Payments Infrastructure & Orchestration, Live)
- [Sarafa PayTag](https://thegrid.id/profiles/sarafa): Sarafa PayTag enables users to receive payments via a unique @username link and shareable QR codes, designed for freelancers, small businesses, and events to collect payments instantly without sharing bank details. (Payment Links & Request Tools, Live)

## Links

- [Main](https://sarafa.ss)
- [Blog](https://sarafa.ss/blog)
- [Privacy policy](https://sarafa.ss/privacy)
- [Terms of Service](https://sarafa.ss/tos)
- [Twitter / X](https://x.com/sarafaapp)

## Legal

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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
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- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
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- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

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- [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
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- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
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- [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