Elementpay

ElementPay is a stablecoin payment infrastructure platform for African businesses that need to collect payments and send payouts through USSD and mobile money flows, including for customers without internet access.

Key capabilities include:

• USSD stablecoin payments (no internet required): customers can pay from any phone, with automatic wallet creation when they dial a business USSD code.
• Mobile money integration: connects stablecoin payments to familiar local channels (including M-Pesa), so end users can transact using known payment rails.
• Enterprise collections and payouts: provides REST APIs, webhooks, and SDKs (as referenced on the site) to automate collections, bulk payouts, and reconciliation for use cases like payroll and vendor payments.
• On-chain visibility and settlement: tracks transactions on-chain with real-time status visible in the ElementPay console, and supports cross-border settlement.

Available on Web (API Console, documentation, and a D-App dashboard) and via API.

Target users are B2B2C teams such as solar energy providers, event platforms, agribusiness services, and gaming or digital economy platforms serving customers who primarily use USSD and mobile money.

In African markets where smartphones and data access vary widely, the product is notable for bridging USSD and mobile money with stablecoin settlement, helping businesses reach offline users while keeping settlement and tracking on-chain.