E-Sarif ExchangeOpen app

USDT → M-Pesa in minutes

Crypto in.
M-Pesa out.

The fastest way to turn stablecoins into Kenyan Shillings. Live rates, transparent limits, and payouts straight to your M-Pesa — no middlemen, no guesswork.

Get a live quote →See how it works
  • M-Pesa payouts
  • Live USDT/KES rates
  • Solana + Tron
  • Limits shown upfront

Live quote

1 USDT = 129.50 KES

Exchange quote

USDT
Continue in app →

Rate refreshes live · Fees and limits shown before you confirm

How it works

From wallet to wallet
in four moves.

  1. 01

    Enter your amount

    Type the USDT you're sending or the KES you need. The quote updates as you type.

  2. 02

    Pick a network

    Solana for speed, Tron for ubiquity. Fees and limits are shown before anything moves.

  3. 03

    Send your crypto

    Transfer to the address shown in the app. We track confirmation on-chain in real time.

  4. 04

    KES lands in M-Pesa

    The payout hits your phone in minutes — with the exact amount you were quoted.

Full walkthrough →
2:14▮▮▮ 5G
MMPESAnow

SGK4X2 Confirmed. You have received Ksh12,950.00 from E-SARIF EXCHANGE.

M-PESA balanceKsh 47,205

Supported rails

Built on the rails Kenya already uses.

USDT and USDC on Solana and Tron, settled to KES through M-Pesa. Low network fees, fast finality, and the payout method every Kenyan already trusts.

USDTUSDT
USDCUSDC
Solana
Tron
M-PESA payouts

For businesses

Selling online?
Take M-Pesa and USDT.

E-Sarif Checkout is the merchant side of the same rails. Add an M-Pesa prompt and stablecoin payments to your store, price in shillings, and settle in USDT or straight back to M-Pesa. Plugins for the platforms below, plus a REST API, hosted checkout and payment links.

Explore E-Sarif Checkout →

Orders mark themselves paid

A signed webhook tells your store the money landed, so stock, emails and reports behave like they do with a card gateway.

Refunds from your own admin

Full or partial, returned over M-Pesa B2C or on-chain, without emailing anyone.

Test mode before live money

Test keys simulate a payment in seconds so you can build the whole flow safely.

Settle in USDT or KES

Price in shillings and keep dollars, or keep shillings. It is a setting, not a rebuild.

Why E-Sarif

No surprises. That's the product.

01 / RATE

The rate you see is the rate you get

Quotes are locked before you send. No spread games, no surprise deductions at payout.

02 / SPEED

Minutes, not banking days

On-chain confirmation to M-Pesa payout is measured in minutes, any day of the week.

03 / CLARITY

Limits and fees, upfront

Every fee and every limit is on screen before you confirm. Read it, then decide.

FAQ

Questions, answered straight.

Read all FAQs →
How do I convert USDT to KES with E-Sarif?+

Enter your amount, choose a supported network, review the quote, then continue to the E-Sarif app to complete the transaction.

Can I receive funds through M-Pesa?+

Yes. E-Sarif is built for crypto-to-mobile-money flows, with direct M-Pesa payouts for Kenyan users.

Why does the USDT to KES rate change?+

Rates move with market liquidity and exchange pricing. Your quote is shown before you confirm.

Your shillings are
one quote away.

See the exact rate and payout before you send a single token.

Open E-Sarif app →