CPay

Crypto in. KES out. Cpay turns the crypto you already hold into everyday Kenyan payments. Pay a Paybill, settle a Till, send money to any M-Pesa number, or top up airtime, straight from your USDT, BTC, ETH or SOL balance. No P2P trading, no hunting for an off-ramp, no waiting on a stranger to release your funds. WHAT YOU CAN DO Pay any Paybill. KPLC, water, rent, school fees, DSTV, SACCOs. Pay any Till. Buy from any merchant that takes M-Pesa. Send money to any M-Pesa number. Buy crypto with M-Pesa, and sell it back the same way. Swap between coins inside the app. Send to another Cpay user instantly, with no network fee. Withdraw to your own external wallet whenever you want. THE PRICE YOU SEE IS THE PRICE YOU PAY Every payment is quoted at the live market rate and locked for 90 seconds. Confirm within that window and the amount cannot move. No hidden margin folded into the exchange rate. Our fee is 1.5% plus a flat KES 10. Paybill payments carry a KES 75 minimum because the bank charges us more to settle them, and we would rather tell you that than bury it in the rate. The 15% excise duty on payment fees is remitted to KRA on your behalf. Every charge is itemised before you confirm. YOUR MONEY AND YOUR KEYS Deposit addresses are generated for you on Bitcoin, Ethereum, Tron and Solana. Balances are backed by funds we hold and can account for, and every payment is reconciled against the blockchain and the M-Pesa record. Payments are authorised with your PIN or fingerprint. New devices and new locations require a one-time code. Your PIN is never stored in plain text. BUILT FOR KENYA Prices in shillings. Rates against KES, not USD. Swahili and English. Receipts you can forward. Support that answers in your timezone. Cpay is built for spending, not speculating. If you hold crypto and you want to pay for something today, this is the shortest path from your balance to a paid bill. Available on Android. Also at https://cpay.co.ke [email protected]