Kenya · M-Pesa
Send money to Kenya and pay out via M-Pesa. Fund from your local currency or with crypto, and your recipient receives KES, usually within minutes.
The rate and fee are shown before you confirm
How should they get it?
You send
500 USDTThey receive
KSh 64,704.00
Delivered to
M-Pesa wallet
Arrives
Usually within minutes
Indicative rate, updated 2026-08-05. Your final rate is confirmed before you send.
Ways to get paid
Every rail is offered at the same rate, so the choice is about what your recipient can actually use. Select one to see it in the quote above.
Same day or next business day
Not every recipient in Kenya keeps an active bank account, and the ones who do still have to travel to withdraw. Small transfers can also attract flat charges that make them uneconomic.
Pay directly into any Kenyan bank account in shillings. Best for larger amounts, where wallet limits would get in the way.
Usually within minutes
Most providers can only reach a bank account, or charge a premium to reach a wallet, so money that arrives still needs another trip before it can be spent.
Pay straight to a registered Safaricom M-Pesa number. It arrives as spendable shillings, usually in minutes, with no bank in the middle.
As soon as the network confirms
Recipients who hold stablecoins have to route through an exchange and cash out locally, adding a step and a spread they did not agree to.
Send USDT, USDC, BTC, ETH or SOL to any wallet or exchange address. No local rails involved and no cash-out required.
How it works
Sign up for free in minutes and verify your identity.
Add money from your local currency by bank transfer or card, or send crypto instead.
Select M-Pesa, enter your recipient's details, and confirm. The rate and fee are shown before you send.
Kenya runs on mobile money, but most international transfer services were built bank-first and treat wallets as an afterthought. Novacrust supports all three rails at the same rate, so you pick based on what your recipient actually uses rather than what the provider supports.
M-Pesa is how money moves day to day in Kenya, so we treat it as a first-class payout rail rather than a bolt-on. You enter a registered number, the KES lands in the wallet, and your recipient spends it without visiting a bank or an agent.
A bank transfer usually arrives the same day or the next business day, M-Pesa usually within minutes, and a crypto wallet payout as soon as the network confirms.
Fund from your local currency or with crypto, and your recipient receives KES on whichever rail works for them.
Send Money NowThe rate and fee are shown before you confirm
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