01
Connect.
Choose.
Connect your wallet, choose a supported token and enter your amount. Then select a merchant’s posted offer.
Crypto in. Shillings out. Shillings in. Crypto out.
Any token.Any chain.Any wallet.M-Pesa or Bank.
01 / How it works
From crypto to KES.In three steps.
Connect.
02
Your rate Your fees Your KES
See it. Then say yes.
See the rate, fees and exact KES you’ll receive. Happy with the details? Authorise the order.
03
KESM-Pesa / bank
Hello, shillings.
Receive KES in your chosen account. Check it has arrived and confirm receipt.
02 / Escrow & proof
Locked in. Until it’s paid out.
USDT or USDC locks in escrow on Celo or Base before KES moves — whether you’re buying or selling.
Receiving KES? Check your M-Pesa or bank account.
Only confirm when the money has arrived.
SenderConverted if needed.
Escrow
Locked.
In the contract. Until settlement.
KES recipientChecks their account before confirming.
If there’s a dispute
Proof does the talking.
The merchant provides cryptographic evidence from a supported payment account if a payment is disputed.
A payment screenshot
Not enough to prove settlement.
A verified bank transfer
Cryptographic evidence. Checked against the order.
Bring the float. Set the price.03 / For merchants
The merchant
side.
Merchants are verified businesses and individuals who hold a supported settlement stablecoin, post their own rates, and settle Kenyan shillings from an account in their own name.
Explore the merchant roleThe merchant loop
- 01
Quote.
Set your rate.
- 02
Accept.
Take an order you can fulfil.
- 03
Pay.
Send KES to M-Pesa or bank.
- 04
Collect.
Payment confirmed. Stablecoin released.
Stay in control.
Keep your float in your own wallet. Update your quotes whenever you need.
Locked before you pay.
The order’s USDT or USDC enters escrow before you send KES.
Backed by payment proof.
Verified bank-transfer evidence supports you if a payment is disputed.
FAQ.
Where do my shillings go?
Your shillings are sent to the M-Pesa or bank account you choose for the order. Check your account and confirm the money has arrived before you release the stablecoin.
Do I need a new wallet?
Start with a supported token in your chosen wallet and source network. Review the conversion and funding details before authorising. Only the resulting USDT or USDC enters escrow on Celo or Base.
What will my conversion cost?
The merchant’s rate and all fees must be shown before you authorise. Under the proposed Kenya model, the consumer pays Sargo’s disclosed processing fee from the stablecoin amount on successful settlement. Sargo does not charge on the KES leg or earn a rate spread. Payment-provider and network charges may also apply. See fees and payment instructions.
Can I buy crypto with KES too?
The proposed service supports both directions. To receive KES, start with a supported token from your chosen wallet and chain; it is converted to USDT or USDC for escrow on Celo or Base, if needed. You can also pay KES to buy the settlement stablecoin. The platform is currently paused.
Can I use Sargo for my business?
Contact support about the proposed Kenya service and your business requirements. Before activation, individuals must complete the required identity checks and screening; businesses must verify ownership and control. Availability and eligibility are confirmed before an order can be created.
Who sets the merchant’s rate?
Merchants independently set their posted rates. Their commercial margin depends on the rate, costs and completed orders. Sargo does not promise order flow or merchant earnings.
What do I need to be a merchant?
Merchant onboarding requires identity verification, a supported settlement balance and a supported payment account in your own name. You can register interest ahead of launch; an enquiry does not activate an account or an order.
What if a payment is disputed?
Use the dispute process in the Sargo app and follow the instructions for your order. Keep your order details and payment records. Do not release stablecoin solely on the basis of a payment screenshot.