Ramad Pay

Ramad Pay enables real-time conversion of USDC to Kenyan Shillings, Ethiopian Birr and others. This process, known as a "Stablecoin Sandwich," begins and ends with fiat currency, with stablecoins handling the settlement in between.

About Ramad Pay

Ramad Pay is a U.S.-licensed Money Services Business (MSB) operating in 20 states—built for the immigrant, the entrepreneur, the aid worker, and anyone needing to move money across borders without the usual delays or drama.

With 20+ years of hard-earned experience in the remittance space, we specialize in fast, low-cost payments from North America to Africa and beyond. Whether it’s supporting family, paying vendors, or distributing NGO aid, we’ve built the rails for it—and we’re not talking about slow bank wires.

What We Do:

Cross-Border Remittance Send money instantly using our mobile app, agent network, or self-serve kiosks—no middlemen, no hidden fees.
Digital Wallets (Fiat + Stablecoin) Users can hold, send, and manage both fiat and digital currency securely—one wallet, multiple corridors.
Text2Pay (SMS Payments) No app? No problem. Our SMS-based payments let users send money with just a text message.
Kiosk Remittance Network Touchscreen kiosks in immigrant hotspots make sending money as easy as buying a coffee—seriously.

Behind the scenes, we’ve integrated powerful KYC/AML tools, real-time ID verification, and stablecoin rails to make it all smooth, compliant, and scalable.

Our mission? Make global payments fair, fast, and finally modern—for everyone.

Use Cases

U.S.-Based Immigrant Sending Funds to East Africa

Scenario: An Africa-American residing in Minneapolis, Minnesota, wants to send $300 to his mother in Mogadishu, Somalia, to cover monthly household expenses. Solution: Utilizing Ramad Pay's P2P remittance service, he can initiate a transfer through the Ramad Pay mobile app or by visiting a local agent. The funds are delivered directly to his mother's mobile wallet in Somalia, ensuring a swift and secure transaction. Benefits: - Speed: Rapid transfer times ensure timely support for family needs. - Convenience: Multiple channels (mobile app, agents) cater to user preferences. - Security: Compliance with U.S. regulations ensures safe transactions.

Small Business Owner Paying Suppliers in Kenya

Scenario: A small business owner in Columbus, Ohio, needs to pay a supplier in Nairobi, Kenya, for a shipment of handcrafted goods. Solution: Through Ramad Pay's digital payment services, the business owner can transfer funds directly to the supplier's mobile money account in Kenya, such as M-Pesa, facilitating a seamless B2B transaction.

Community Organization Disbursing Funds to Recipients in Uganda

Scenario: A non-profit based in St. Paul, Minnesota, aims to distribute educational grants to 50 students in rural Uganda. Solution: Leveraging Ramad Pay's bulk payment capabilities, the organization can disburse funds to the students' mobile wallets in a single transaction batch, ensuring timely and equitable distribution. Benefits: - Scalability: Ability to handle multiple transactions efficiently. - Transparency: Detailed records support accountability. - Reach: Mobile wallet integration ensures access even in remote areas.

Last updated on Aug 06, 2025

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Ramad Pay enables real-time conversion of USDC to Kenyan Shillings, Ethiopian Birr and others. This process, known as a "Stablecoin Sandwich," begins and ends with fiat currency, with stablecoins handling the settlement in between.

Use Cases

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