The rate you see is the rate you get
Quotes are locked before you send. No spread games, no surprise deductions at payout.
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.
- M-Pesa payouts
- Live USDT/KES rates
- Solana + Tron
- Limits shown upfront
How it works
From wallet to wallet
in four moves.
- 01
Enter your amount
Type the USDT you're sending or the KES you need. The quote updates as you type.
- 02
Pick a network
Solana for speed, Tron for ubiquity. Fees and limits are shown before anything moves.
- 03
Send your crypto
Transfer to the address shown in the app. We track confirmation on-chain in real time.
- 04
KES lands in M-Pesa
The payout hits your phone in minutes — with the exact amount you were quoted.
2:14▮▮▮ 5G
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.
USDT
USDCSolana
Tron
M-PESA payouts
Why E-Sarif
No surprises. That's the product.
Minutes, not banking days
On-chain confirmation to M-Pesa payout is measured in minutes, any day of the week.
Limits and fees, upfront
Every fee and every limit is on screen before you confirm. Read it, then decide.
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 →