ElementPay provides stablecoin payment rails that work anywhere, for anyone allowing businesses to collect and disburse funds in stablecoins while end users transact through familiar channels such as USSD and mobile money.
ElementPay abstracts the complexity of crypto by automatically creating wallets for users, settling transactions onchain, and integrating directly with local payment systems including M-PESA. This enables customers to transact in stablecoins without internet access, without smartphones, and without any prior crypto knowledge.
For businesses, ElementPay provides robust REST APIs, webhooks, and an enterprise dashboard to support bulk collections, instant payouts, automated reconciliation, and real-time transaction monitoring. The platform also enables instant on- and off-ramping between local currencies and stablecoins, using real-time exchange rates with reduced slippage.
ElementPay supports a broad range of use cases including agribusiness payments, payroll and gig economy payouts, merchant and e-commerce transactions, and digital economies helping organizations reduce costs, eliminate payment delays, and settle globally while maintaining simple local user experiences.
Through custom-designed USSD payment flows, ElementPay bridges the gap between stablecoins and everyday users across Africa, making decentralized payments practical, scalable, and accessible at real-world scale.
ElementPay enables agribusinesses to pay farmers and collect funds using stablecoins while farmers transact through USSD and mobile money. Payments are settled onchain and integrated directly with local payment systems, allowing farmers to receive funds instantly without internet access, smartphones, or prior crypto knowledge. This reduces delays, lowers operational costs, and improves payment transparency across agricultural value chains.
ElementPay supports payroll and gig economy platforms by enabling instant stablecoin payouts to workers, with withdrawals available through mobile money and local banking channels. Businesses can execute bulk payouts, automate reconciliation, and track transactions in real time, reducing payout costs and eliminating delays for distributed teams.
ElementPay allows merchants and platforms to accept payments in stablecoins while customers pay using familiar USSD or mobile money flows. Funds are settled in stablecoins onchain and can be automatically converted to local currency, enabling merchants to access global payments while maintaining simple local payment experiences.
Digital platforms and marketplaces use ElementPay to collect funds and distribute earnings to sellers, partners, or service providers. The platform enables automated wallet creation, bulk payouts, and real-time settlement visibility, simplifying payment operations for platforms operating across multiple African markets.
ElementPay enables businesses to settle cross-border transactions using stablecoins while maintaining local payment rails for collections and payouts. Through integrated OTC desk services, businesses can execute large or custom trades directly with minimal slippage. Combined with mobile money and banking integrations, this reduces foreign exchange friction, settlement delays, and cross-border payment costs while providing flexibility for high-value transactions.
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