Business infrastructure · Built for African payment flows
Give customers a way to move between crypto and local money. Connect African bank accounts, mobile money and stablecoins through embeddable widgets or business APIs.
Explore developer resourcesBusiness integrations are subject to approval, market availability and product readiness.
One connection · Two directions
Local currency into digital assets
Bank or mobile money
Customer pays in local currency
Example railFinlazo infrastructure
Verification · quote · conversion
Crypto wallet
Supported asset delivered
Digital assets into local currency
USDC / USDT wallet
Approved stablecoin transfer
Finlazo infrastructure
Verification · quote · conversion
Bank or mobile money
Local currency delivered
Example railPayments market data · Africa
The scale of mobile money and cost of cross-border transfers help explain why local crypto ramps matter.
Mobile money transaction value in Sub-Saharan Africa in 2025. GSMA, 2026 report.
Average cost to send US$200 to Sub-Saharan Africa in Q3 2025. World Bank.
Global average cost for the same remittance measure in Q3 2025. World Bank.
Sources are linked directly on each figure. The World Bank figures describe traditional remittance prices, not Finlazo prices or projected savings.
Infrastructure for African markets
Give your users a clearer route between digital assets and local payment methods. Build around your customers, not a collection of disconnected integrations.
Connect fiat collection, supported digital-asset conversion and local payouts without building a separate product for each route.
Build cash-in and cash-out experiences around local bank accounts and mobile money, where available.
Choose a guided embedded experience or discuss a more custom programmatic integration for your exchange, wallet or platform.
Plan for identity checks, approved beneficiary types, transaction status, monitoring and reconciliation from the start.
Integration option 01 · Widgets
Add a guided crypto buy-and-cash-out experience to your exchange, wallet or fintech app. Discuss an embeddable or hosted widget that brings country selection, local payment options, verification steps and transaction status into one familiar journey.
Choose widgets for a ready-made customer interface. Choose APIs when you need to build and control the entire experience yourself.
Example payout methodStablecoin → local payout
Send a supported digital asset. Convert at the accepted quote and route the local-currency payout to the approved recipient.
Illustrative interface only. No live pricing, transfers or account connection. Availability subject to approval.
Interactive design preview · not a live quote or payment form
Integration option 02 · APIs
Integrate a custom user journey around approved payment routes. Discuss quote requests, transaction creation, conversion, payout instructions, status tracking and webhook events.
Designed for exchanges, aggregators and payment teams that need their own interface, business logic and reconciliation workflow.
Production ramp API specifications and access are confirmed directly during integration.
// Integration workflow — pseudocode, not a live API
const quote = await requestRampQuote({
direction: "off_ramp",
asset: "USDC",
destinationCountry: "KE",
payoutMethod: "mobile_money"
})
const transaction = await createRampTransaction({
quoteReference: quote.reference,
approvedBeneficiary: beneficiaryId
})
subscribeToStatusUpdates(transaction.reference)
// Confirm settlement and reconcile local payoutTwo directions. One infrastructure story.
Local currency → crypto
The customer selects an eligible market, amount, and bank or mobile-money payment method.
The payment is verified and processed through the approved route, followed by the accepted crypto quote.
The supported asset is delivered to the designated wallet after required checks and confirmation.
Crypto → local currency
The business or verified user initiates a supported stablecoin or crypto transfer.
The asset is converted under the accepted quote and permitted transaction flow.
Funds are delivered through an available bank or mobile-money rail, with status and reconciliation.
Local payment rails
African payments are local. Connect digital assets with familiar mobile-money wallets and bank-account journeys through Finlazo's business infrastructure.
From M-PESA and Airtel Money to established banks in Kenya, South Africa and Nigeria, payment methods should feel familiar to the people using them.
Routes, transaction direction, limits and eligible beneficiary types are confirmed for each approved market and business integration.
Discuss local rail coverageAfrican payment ecosystem
M-PESA
Kenya
Airtel Money
African markets
MTN MoMo
African markets
Orange Money
African markets
KCB Bank
Kenya
Equity Bank
Kenya
Absa
South Africa
Standard Bank
South Africa
GTBank
Nigeria
Access Bank
Nigeria
Brands are shown as examples of local payment methods, not as a claim of direct integration, partnership or endorsement. Confirm available rails, countries and transaction directions with Finlazo.
Crypto regulation across Africa
Rules for crypto exchanges, stablecoins, payments and transfers differ across African jurisdictions. What is permitted in Kenya, South Africa, Nigeria or Ghana cannot automatically be assumed in another market.
Before offering a ramp, confirm which entity serves the customer, who receives funds, whether third-party payouts are permitted and which licences or registrations apply. A settlement partner does not automatically authorise every customer-facing payment service.
Business verification
KYB, ownership information and eligible business activity
Customer due diligence
KYC and identity controls where required
Transaction risk
AML monitoring, sanctions screening and fraud checks
Market permissions
Local licensing, allowed fund flows and beneficiary types
Operations
Limits, exceptions, reconciliation and dispute processes
Product availability is conditional. This page does not assert that Finlazo or its customers hold every jurisdictional licence.
Built for serious payment products
Give customers an eligible route between crypto wallets, bank accounts and mobile money.
Add local cash-in and cash-out experiences without making every user navigate separate providers.
Explore stablecoin-funded payments to approved African beneficiaries and local accounts.
Connect cross-border settlement with local-currency delivery and transaction references.
Plan approved conversion and payout flows with a clear settlement and reconciliation record.
Prototype embedded entry points and API-driven ramp workflows for supported use cases.
Frequently asked questions
An on-ramp converts eligible local-currency payments into digital assets. An off-ramp converts supported digital assets into local currency for delivery through an approved payment rail.
Finlazo has developed embedded ramp experiences and business API workflows for eligible business use cases. Contact our team to discuss integration, approved routes and onboarding requirements.
Bank and mobile-money collection or payout methods can be configured for eligible markets and use cases. Specific countries, providers, beneficiary types and transaction directions require confirmation during onboarding.
Crypto exchanges, wallets, payment aggregators, neobanks, payroll products, marketplaces and cross-border payment platforms can discuss business integration. Acceptance is subject to underwriting and relevant regulatory requirements.
Integration design considers business verification, customer due diligence where required, AML screening, transaction monitoring, and market-specific controls. The responsible regulated parties and required permissions depend on the actual funds flow and jurisdiction.
Eligible businesses can discuss stablecoin-funded local payouts, subject to verified funding, permitted third-party beneficiary arrangements, supported local delivery rails and regulatory approvals.
No. Exchange rates, fees, settlement timing, limits, assets and country routes depend on the actual quote, integration and operating approvals. Sample product visuals on this page do not represent live transactions.
Finlazo for business
Build local collection and payout journeys through an embedded experience or a tailored API integration. Start with your markets, users and actual funds flow.