On-chain FX for cross-border payouts,zero liquidity.
Pesasa is an on-chain FX aggregator for businesses that move money into Africa. Your clients send stablecoins, we route the conversion on-chain, and local currency lands in M-Pesa and UGX — without you pre-funding a single float account.
Liquidity is the bottleneck
Paying out in local currency usually means locking up capital in float accounts across every corridor. We remove that requirement.
The traditional way
- ✕ Pre-fund local float in every corridor
- ✕ Idle capital that can't be redeployed
- ✕ Multiple intermediaries and layered FX margins
- ✕ Slow settlement and limited visibility
Zero-liquidity routing
- ✓ Clients send stablecoins; conversion is routed on-chain
- ✓ No float to pre-fund or rebalance
- ✓ Aggregated routing seeks the best available rate
- ✓ Transparent, verifiable settlement on-chain
Four steps, no float
Plug Pesasa into your cross-border product and let your clients pay in stablecoins.
Connect
Create an account, generate API keys and connect your business to Pesasa's infrastructure. No float accounts.
Client pays
Your client sends stablecoins from their wallet on Stellar.
We route
Our aggregator finds the best on-chain path and executes the FX conversion.
Local payout
Funds land in M-Pesa or UGX for the recipient.
Built for cross-border businesses
Infrastructure for the teams moving money between stablecoins and African mobile money.
Zero Liquidity
Skip pre-funding. Capital stays with you, not locked in corridor float.
Best-Route FX
We aggregate on-chain liquidity sources and route each conversion for competitive rates.
Mobile Money Native
Payouts designed for M-Pesa and UGX, where your recipients already are.
On-Chain Transparency
Every conversion is verifiable on-chain from the client's send to settlement.
Simple Integration
One integration for routing, conversion and local payout. Less to build and maintain.
Security First
Non-custodial routing principles and hardened infrastructure from day one.
Who we're building for
If your customers pay in stablecoins and your recipients need local currency, this is for you.
Remittance & payout companies
Offer stablecoin-funded transfers to East Africa without managing local float.
Marketplaces & platforms
Pay out sellers, freelancers and creators in M-Pesa or UGX from stablecoin balances.
Fintechs & wallets
Add an off-ramp to local currency for your users through a single integration.
Connect with API keys. Monitor everything.
Businesses plug into Pesasa's infrastructure with API keys, then use the dashboard to watch routing, conversions and payouts in one place.
Stellar first. Base next.
We're starting with Stellar for fast, low-cost stablecoin payments, then expanding to Base.
Our launch network. Low fees and fast settlement make it ideal for stablecoin payouts into M-Pesa and UGX.
Next on the roadmap, giving clients on Base the same zero-liquidity payout experience.
Be first to move money with zero liquidity.
We're onboarding a small group of cross-border businesses ahead of launch. Join the waitlist and tell us about your corridor.
- Priority access to the Stellar launch
- Help shape the product with direct founder access
- Be first in line for Base support
Tell us about your business and the corridors you need. It takes about a minute.
Open the waitlist formOpens a Google Form in a new tab. No spam. We'll only email you about Pesasa early access.
Common questions
Quick answers about what we're building.
What does "zero liquidity" mean?
You don't need to pre-fund or maintain local-currency float to pay out. Conversion is routed on-chain at the time of each payment.
Which networks and payout methods are supported?
We're building on Stellar first, with Base planned next. For now we're focused on Uganda (UGX) and Kenya (M-Pesa), with more countries to follow.
Is this live yet?
Not yet. We're in development and onboarding early-access businesses from the waitlist ahead of launch.
What happens to the existing Pesasa app?
Sign-in is paused for now while we prepare the new platform. We'll announce here when it's back.