Transform the way
you move money
Your dollar wallet funded with mobile money — pay anyone by phone number across Africa.
Stepay
Wallet
Current balance (local equiv.)
12,450.00
+ 2.4% (1d)
+ 290 today
Top assets
XLM
1,240.50
4,340 local
USDC
320.00
8,000 local
Deposit
Mobile Money → Crypto
FROM
Local
Available: 2,400
500.00
TO
XLM
Rate: 1 XLM ≈ 3.50 local
142.86
How it works
Three steps to your first deposit
01
Create your wallet
Sign up in under a minute — no bank account needed.
02
Add mobile money
Fund your wallet with local mobile money — no bank account required.
03
Send or cash out
Move XLM & USDC instantly, or withdraw to mobile money.
Why Stepay
Built for real money, real people
Mobile money first
Deposit and cash out through major mobile money networks — no bank account required.
Stellar speed
Near-zero fees and ~5 second finality on every transfer.
Your keys
Non-custodial wallets. We never hold your crypto.