01
Quote.
Set your own rate and choose the order sizes, assets and payment rails you can support.
For merchants
THE MERCHANT SIDE
OF AN ORDER.
Merchants hold a supported settlement stablecoin, post their own rates and settle KES from an account in their own name.
Register merchant interest ↓01 / The loop
FOUR MOVES.
EVERY ORDER.
02
Accept.
A consumer selects your offer. Accept only an order you can perform.
03
Settle.
Follow the order instructions to send or receive KES. Your merchant side uses a supported proving bank account so the payment can be evidenced if needed.
04
Complete.
When the order conditions are satisfied, the funded stablecoin is released or returned according to the escrow rules.
02 / Your control
YOUR RATE.
YOUR FLOAT.
YOUR RAILS.
Price it yourself.
You independently set your merchant rate. Sargo does not set your rate or take a rate spread.
Two stablecoins.
Two networks.
Hold USDT or USDC on Celo or Base. Consumers can start with another supported token or chain; it is converted into the settlement asset for the order.
An account in your name.
Use an account in your own name with KCB, Equity Bank or Cooperative Bank. If a payment is disputed, provide evidence from that account. Proof availability depends on the bank’s verifier; otherwise, manual review is required.
03 / Protection
FROM FUNDING.
TO PROOF.
Know your side.
Check the amount, rate and payment instructions. Make sure you know who sends KES and who sends stablecoin.
Stablecoin first.
USDT or USDC locks in escrow on Celo or Base before KES moves. A consumer’s supported source token is converted first, if needed.
Send. Or confirm.
Sending KES? Pay the account shown. Receiving KES? Check your account before confirming it has arrived.
04 / Prepare
BRING THE
BASICS.
Your identity.
Complete identity verification as part of merchant onboarding.
Your funded wallet.
Hold USDT or USDC on Celo or Base for settlement. The consumer’s starting token and chain can be different.
Your bank account.
Use an account in your own name with KCB, Equity Bank or Cooperative Bank. If a payment is disputed, provide evidence from that account. Proof availability depends on the bank’s verifier; otherwise, manual review is required.
Merchant launch enquiry
Get ready for
launch.
Tell us about your experience, typical order range, stablecoins and payment rails. This is an enquiry ahead of launch, not an application for an active merchant account.
Enquiry received.
Thank you. Your interest has been registered with Sargo.