Send, save & get paidacross Africa
One wallet for personal transfers, savings, and getting paid. No bank account needed.
Free to join. Sign in
Send across Africa
Mobile money top-up
Most transfers in ~5s
Non-custodial wallet
~5s
Typical settlement
Speed
0
Hidden fees
Fees
100%
You control keys
Control
How it works
Three steps. That's it.
Whether you send to family, grow savings, invoice clients, or run a shop, the flow stays the same.
Get started freeOpen your account
Sign up with email in under a minute. Your keys stay on your device.
Add money
Top up with mobile money. Local currency converts to USDC or XLM in your wallet.
Send, save, or get paid
Transfer across borders, hold dollar assets, invoice clients, or cash out to mobile money. All from one app.
Why Stepay
Built for how Africa moves money
Personal transfers, savings, freelancer payouts, and business payments in one wallet on Stellar.
Send across Africa
Pay anyone by phone number, whether family, friends, or suppliers in another country. Transfers typically settle in seconds, not days.
Hold dollar assets
Hold USDC and XLM in one wallet. Top up with mobile money, swap when you want exposure, and stay in control of your keys.
Accept payments
Shops, schools, and online sellers share a payment link or QR code. Customers pay you in seconds, with no card terminal needed.
Built for freelancers
Send an invoice link to clients anywhere. They pay you on Stepay; you hold dollars or cash out to mobile money when you need to.
One wallet, every use case
Deposit, send, swap, request money, and withdraw. Personal savings, side hustles, and business cash flow in one place.
Safe at every step
Non-custodial by design. We never hold your funds. Only you can move your money.
FAQ
Questions before you sign up
No. Top up with mobile money from your phone and start sending or accepting payments in minutes.
Yes. Send to anyone on Stepay by phone number. Cross-border transfers typically settle in seconds on the Stellar network.
Yes. Hold USDC and XLM in your wallet and swap between them anytime. You control your keys at all times.
Yes. Share a payment link or QR so customers and clients pay you directly. Great for shops, side projects, and remote work.
USDC and XLM. Assets you can send, swap, or cash out to mobile money.
No. Your wallet keys stay on your device. Stepay cannot move your funds without you.
Join Stepay today
Send across Africa, hold dollars, or start accepting payments. Free to join and ready in minutes.