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Kotani Pay connects your application to local payment channels across Africa — mobile money networks, bank transfers, and blockchain networks. Use it to collect payments from your users, pay them out, or convert between fiat and crypto.

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What you can do

Collect payments

Take mobile money, bank, and card payments from your users

Pay people out

Send funds to mobile money wallets and bank accounts

Sell crypto for cash

Take crypto and pay out local currency

Buy crypto with cash

Take local currency and deliver crypto to a wallet

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Get started in three steps

1

Log in to the dashboard

Everything starts here — wallets, balances, keys and transactions.Dashboard access →
2

Generate an API key

Fastest from the dashboard, in a couple of clicks. No code needed.Creating API keys →
3

Make your first call

Point at sandbox and move test money end to end.Quickstart guide →

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Environments

Build against sandbox. No real money moves there, and the reserved test values let you reproduce failures on demand.

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Prefer to poke at it first?

Run in Postman

Fork the full collection with environments already set up

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Who uses this

Remittance, forex, digital lending, insurance, savings, social protection, business financing and gig worker payments. If you’re moving money to or from Africa over local channels, this API covers it.