Directory/reply.cash
reply.cash

reply.cash

Contact
Visit website
Resources
Category
  • Bridge Apps
  • Ecommerce
  • Fintechs
  • Payments
  • Remittances
Use Cases
  • B2B Payments
  • Cross-Chain Transfers
  • E-commerce Payments
  • Payment Settlement
  • Payouts and Payroll
Blockchains Supported
  • Aptos
  • Arbitrum
  • Base
  • Ethereum
  • NEAR
On/Off-Ramps
  • Yes
Platform
  • Web
Region
  • APAC
  • Europe
  • LATAM
  • Middle East and Africa
  • North America
Country
  • Benin
  • Botswana
  • Brazil
  • Burkina Faso
  • Cameroon

Use stablecoins to pay privately with local rails in the Global South.

reply.cash is a non-custodial consumer application that bridges the gap between cryptocurrency and local payment rails across 20+ countries in the Global South.

We enable users to privately pay using stablecoins through local payment methods without unnecessary registration.

Core Features

  • Local Payment Rail Integrations: Support for mobile money in Kenya, Uganda, and Ghana; direct bank transfers in Nigeria; PIX payments in Brazil; and similar rails across Africa and Latin America.
  • Cross-Chain Transfers: Send payments without needing gas tokens across 100+ assets on 20+ chains including Solana, Base, Arbitrum, Ethereum, Aptos, Sui, NEAR, Stellar, Polygon, Bitcoin, Dogecoin, and Monad.
  • Privacy-First Design: Built-in private transfers with options to send anonymously to Solana addresses or top up with shielded Zcash through cross-chain swaps.
  • Gas Abstraction: Users can transact with minimal fees (approximately $0.001) without worrying about holding native gas tokens.

Use Cases

Real-Time Payments

Use crypto and pay directly over M-PESA, MTN Money, and other local rails.

Cross-Chain Transfers

Send 100+ assets on 20+ chains - including Solana, Aptos, NEAR, Sui, Base, Arbitrum, Ethereum, Bitcoin, Doge, and more - without needing gas.

Private Payments

Anonymously send to Solana addresses or top up with shielded Zcash through cross-chain swaps.

B2B Payments

Pay merchants from crypto balances.

Payroll

Instantly pay international contractors via stablecoins, crypto, or directly through local rails.

This site contains content and information, including links to other sites and resources, that was prepared by third parties ("Third Party Content") who are not affiliated with Circle or any of its affiliates (collectively "Circle"). Circle makes no representations on the accuracy, suitability, or validity of Third Party Content. As such, Circle is neither responsible nor liable for any Third Party Content, including any errors, omissions, or delays, or for any actions taken in reliance upon any Thirds Party Content. Reference to any specific company, product, service, or website of any third party does not constitute an implied or express endorsement, recommendation, favoring or validation by Circle. All content provided is for educational and informational purposes only. Circle shall not be liable for any damage or loss relating to use of, or reliance upon, the Third Party Content.

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Digital assets are subject to a number of risks, including price volatility. Transacting in digital assets could result in significant losses and may not be suitable for some consumers. Digital asset markets and exchanges are not regulated with the same controls or customer protections available with other forms of financial products and are subject to an evolving regulatory environment. Digital assets do not typically have legal tender status and are not covered by deposit protection insurance. The past performance of a digital asset is not a guide to future performance, nor is it a reliable indicator of future results or performance. Additional disclosures can be found on the Legal and Privacy page.

Circle Internet Financial, LLC (NMLS ID# 1201441). Circle Internet Financial, LLC is licensed as a Money Transmitter by the New York State Department of Financial Institutions and to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. Texas customers click here for information about filing complaints. Maryland customers click here for information about filing complaints.

© 2024 Circle Internet Group, Inc

Some products and services made available on the Circle Developer Platform (collectively, “Web3 Services”) are offered by Circle Technology Services, LLC (“CTS”). Services do not include financial, investment, tax, legal, regulatory, accounting, business, or other advice. CTS is only a provider of software and related technology and is not engaged in any regulated money transmission activity in connection with the services it provides. For additional details, please click here to see the Circle Developer terms of service.