---
title: "Kotani Pay: Stablecoin Payments Gateway"
description: "Cash in/out between stablecoins and African currencies via API. Supports STK push payouts, SMS wallet (no internet) and 15+ blockchains."
canonical_url: "https://liners.com/kotani-pay"
markdown_url: "https://liners.com/kotani-pay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/kotanipay/screenshot.png?v=1773325058981"
published_at: "2026-03-12T14:17:48.129Z"
updated_at: "2026-09-16T18:29:01.656Z"
---

# Kotani Pay: Stablecoin Payments Gateway

Cash in/out between stablecoins and African currencies via API. Supports STK push payouts, SMS wallet (no internet) and 15+ blockchains.

## Breadcrumbs

- [Crypto & Web3](/categories/crypto-web3)
- [Kotani Pay](/kotani-pay)

## Summary

Cash in and cash out between stablecoins and African currencies

A Web3-to-fiat payments gateway that helps African-focused businesses enable stablecoin settlement, on/off ramps, STK push payouts, and wallet API integration.

## Product details

| Field | Value |
| --- | --- |
| Website | https://kotanipay.com/ |
| Tagline | Cash in and cash out between stablecoins and African currencies |
| Primary country | Kenya |
| Platforms | API, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | Yes |

## About the product

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**).

## Features

- [Crypto & Web3](/categories/crypto-web3): Category
- [B2B](/tags/b2b): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Stablecoins](/tags/stablecoins): Product feature or technology
- [Ghana](/countries/ghana): Market
- [Kenya](/countries/kenya): Market
- [South Africa](/countries/south-africa): Market
- [Tanzania](/countries/tanzania): Market

## Related pages

- [Alternatives](/kotani-pay/alternatives)
- [Reviews](/kotani-pay/reviews)
- [Transparency](/kotani-pay/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/kotani-pay)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)