Kotani Pay
Liners checked this listing or its product relationship to a reasonable extent. Verification is not an endorsement or product test. How verification worksA Web3-to-fiat payments gateway that helps African-focused businesses enable stablecoin settlement, on/off ramps, STK push payouts, and wallet API integration.
Kotani Pay Product Overview
Is Kotani Pay Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Crypto-first merchants
- Payment platforms
What It Does Well
- Stablecoin cash in/out
- Stablecoin settlement
Things to Check
- Supported currencies
- Supported stablecoins
About Kotani Pay
Kotani Pay is a fintech gateway for Web3 and digital-asset businesses that need cash-in/cash-out between stablecoins and local African currencies, supporting partners that pay out to users via local payment channels.
Key capabilities include:
- Stablecoin settlement solutions that support stablecoin/fiat settlement for business liquidity needs
- Blockchain-powered APIs to connect a dApp, wallet, or blockchain network to local African payment rails, including options such as white-label API integrations
- On-ramp/off-ramp services for converting between digital assets and fiat through supported local channels
- An SMS-based blockchain wallet designed to provide blockchain wallet functionality without internet access, plus support for STK push flows where available
Available via API (developer documentation provided online).
Target users include B2B teams building in remittances, gig platforms, savings and lending products, insurance, social protection programs, and other blockchain-based services that require last-mile payouts across African markets.
Notable in the African market context, the platform supports more than 15 blockchains (including Polygon, Celo, Optimism, Stellar, Arbitrum, Avalanche, Cardano, Lisk, Viction, and Lightning Network) and states it is registered as a Financial Service Provider by South Africa’s FSCA (license 53594).
Kotani Pay Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataRecent Reviews for Kotani Pay
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Kotani Pay Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataKotani Pay has raised $2.7M across 6 recorded funding events. The latest was Venture (Round not Specified) in Oct 2025.
- Total Raised:
- $2.7M
- Latest Round:
- Venture (Round not Specified)
Kotani Pay Investors & Funding Rounds
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Kotani Pay Founders & Leadership Team
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Latest Kotani Pay News & Updates
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Frequently Asked Questions About Kotani Pay
Kotani Pay is a blockchain-based platform that connects Web3 users to local currencies across Africa. It enables users to convert between cryptocurrencies (like stablecoins) and local fiat currencies using feature phones without requiring internet connectivity, leveraging USSD technology. The platform uses an Automatic Market Maker algorithm with liquidity pools to facilitate these conversions at low costs.
Kotani Pay charges an interchange fee of approximately 1% of gross transaction volumes. Transaction fees are distributed to liquidity providers in the network based on their share of the pool.
Kotani Pay currently operates in Kenya, Ghana, Tanzania, and South Africa.
Kotani Pay is best suited for businesses needing affordable cross-border payment solutions, crypto platforms requiring fiat conversion, and underbanked individuals in Africa who want to access blockchain services via basic mobile phones without internet.
Send an email to hello@kotanipay.com for support.
Breet — Crypto & Stablecoins Payment API for African Businesses 
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