Send money

Pay a bank account, a mobile money number, or a crypto wallet.

Pay from the Bitcoin or stablecoins in your account. It lands as local currency in Ghana, Nigeria, Kenya, Uganda, Côte d'Ivoire, Senegal, Cameroon and Gambia, or as crypto anywhere in the world.

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Two colleagues making a payment on a laptop
Payment sentGHS 30,950.40

1 USDT = 12.48 GHS

Pay bank accountsand mobile money
Most payments arrivein minutes
See the costbefore you confirm

Choose where the money goes

Send to a bank account, mobile money wallet, or Bitcoin or stablecoin wallet.

Local payout

They receive local currency

Send directly to a bank account or mobile money wallet.

GhanaLiveGHS · MTN MoMo or bank
NigeriaLiveNGN · any bank account
KenyaLiveKES · M-Pesa
UgandaLiveUGX · mobile money
Côte d'IvoireLiveXOF · Orange, MTN or Moov mobile money
SenegalLiveXOF · Orange, Free, Expresso or Wave
CameroonLiveXAF · MTN mobile money
GambiaLiveGMD · Afrimoney or QMoney

Send crypto

Send directly to a wallet

Pay in Bitcoin or supported stablecoins using a wallet address, Lightning invoice, Lightning address or LNURL.

Bitcoinon-chain or Lightning
USDTTron, BNB Smart Chain, Ethereum, Polygon, Solana
USDCEthereum, Polygon, Solana, Base, BNB Smart Chain

How a payment goes

  1. Fund your account

    Send Bitcoin, USDT or USDC to your deposit address.

  2. Choose a recipient

    A mobile money number, bank details, or a wallet address.

  3. Enter the amount

    Type what you want to send, in the currency you hold.

  4. Check the numbers

    The rate, any fee and the amount that will land are all shown.

  5. Confirm and send

    Most payouts arrive in minutes. You can view the receipt in your account.

How customers use it

All case studies
From waiting on agents to paying on demand: cedis in, USDT in a Gyvar balance, naira to the supplier’s bank.
Case study

Cedis in, naira out: how a Ghanaian wellness brand pays its Nigerian suppliers

Questions people ask

Does the person receiving it need Gyvar?
No. For a local payout they just need a mobile money number or a bank account. For a crypto send they need a wallet.
What does it cost?
Before you confirm, we show you the rate, any fee and how much the recipient will get. Fees depend on where you send the money. Some payment methods have no fee.
How long does it take?
Local payouts usually land within minutes. Crypto sends depend on the chain, and Lightning is close to instant.
What if I get the account number wrong?
Check it before confirming. Once a payment has left, neither we nor the receiving bank can pull it back.
Which countries can I send to?
Local currency in Ghana, Nigeria, Kenya, Uganda, Côte d'Ivoire, Senegal, Cameroon and Gambia. A crypto send reaches a wallet anywhere.
What do I see after sending?
You can see a receipt with the amount sent, the rate, the amount received and a reference number.
Which assets can I send from?
Bitcoin, USDT and USDC. Each stablecoin is supported on five networks.
Are there limits on how much I can send?
Minimums are small: 1 USDT or USDC, and 0.00005 BTC on-chain. Upper limits depend on your account and where the money is going, and we will tell you before they apply to you.

Fund your account. Make a payment today.

Add Bitcoin or stablecoins, then choose where to send it. Most local payments arrive in minutes.

Get Started