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 and Uganda, 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
Fast settlementin minutes
Transparent feesno hidden charges

Send it the way they need it

Choose whether the recipient receives local currency or crypto.

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

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 destination

    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 land in minutes. A receipt is kept either way.

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?
The rate and any fee that applies are shown before you confirm, so the amount that lands is the amount you agreed to. Fees vary by destination and some rails charge nothing at all.
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.
Can I pay several people at once?
Yes. A payout run goes to many destinations from the same balance, and the record afterwards shows who received what.
Which countries can I send to?
Local currency in Ghana, Nigeria, Kenya and Uganda. A crypto send reaches a wallet anywhere.
What do I see after sending?
A receipt for every payment, showing what left your account, the rate used, the amount that landed and a reference you can quote to us.
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.

Send Bitcoin or stablecoins, choose where the money should go, and settle locally in minutes.

Get Started