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Live · NGN, KES, GHS & UGX corridors · agent-ready

Send crypto.Get paid in Africa.

Clova Pay Africa converts stablecoins into local currency and lands the money directly in a bank account or mobile wallet — automatically. Nigeria, Kenya, Ghana and Uganda, with more corridors coming.

Start building See how it works

Three stablecoin rails

cUSD on Celo, USDC on Base, USDCx on Stacks. Send from wherever you hold.

Local settlement, four currencies

NGN, KES, GHS and UGX — straight to bank accounts and mobile money wallets.

Agent-native API

Built on x402 — AI agents can call and pay per request programmatically, no dashboard needed.

How it works

Four steps from stablecoin to bank account. The whole thing is automated — you just call the API.

01

Get a quote

POST /v1/quotes with your asset, amount and destination currency. Get back the local rate, fee breakdown, and expiry.

02

Create an order

POST /v1/orders with recipient bank details. We return a Paycrest deposit address unique to your order.

03

Send crypto

Send exactly the quoted amount to the deposit address. We verify the transaction on-chain automatically.

04

Cash lands locally

Once confirmed, local currency hits the recipient's bank account or mobile wallet. Webhook fires when settled.

Supported assets

Three stablecoin rails into NGN, KES, GHS and UGX. More corridors coming as we expand.

c
cUSD on Celo
Live
U
USDC on Base
Live
U
USDCx on Stacks
Via Clarity contract deposit
Live
+
More assets & corridors
Coming soon

Transparent fees

Every quote includes a full breakdown before you commit a single token.

Example: 100 USDC → NGNLive quote
Market rate₦1,550 / USDC
FX spread (3%)₦1,503.50 / USDC
Platform fee (1.5%)- ₦2,255.25
You receive₦148,094.75

Rates are locked for 5 minutes after quoting. Orders expire after 30 minutes if no deposit is received.

Who it's for

If you hold crypto and need local African currency in a bank account or mobile wallet, Clova handles it.

Developers & AI agents

Integrate via REST API or x402 micropayments. Your agents can autonomously convert stables to fiat without a dashboard or manual approval step.

View API docs

DeFi protocols

Pay contributors, grant recipients, or yield earners directly to African bank accounts from your on-chain treasury — no OTC desk needed.

See order flow

Businesses & freelancers

Get paid in stablecoins globally, convert at a transparent rate, land directly in your bank or M-Pesa wallet. No crypto exchange required.

Get started
x402 · Agent-native

Built for AI agents from day one

Every paid endpoint is gated via the x402 protocol (Thirdweb). An AI agent can discover the price, pay a micropayment on-chain, and call the API — no API key signup, no human in the loop.

  • Pay-per-call: $0.001 per quote, $0.02 per payout order
  • Owner bypass via OWNER_API_KEY for internal/admin calls
  • Standard HTTP — any language, any framework, any agent runtime
Read the docs
offramp.sh
# 1. Get a quote
curl -X POST https://clova-pay-africa-production.up.railway.app/v1/quotes \
  -H "x-api-key: $OWNER_API_KEY" \
  -d '{"asset":"USDC_BASE","amountCrypto":"100","destinationCurrency":"NGN"}'

# 2. Create an order
curl -X POST https://clova-pay-africa-production.up.railway.app/v1/orders \
  -d '{
    "asset": "USDC_BASE",
    "amountCrypto": "100",
    "recipient": {
      "accountName": "John Doe",
      "accountNumber": "0123456789",
      "bankCode": "058"
    }
  }'

# 3. Send USDC to depositAddress from response
# 4. Naira hits bank account automatically ✓

Crypto in. African fiat out.

Three stablecoin rails. One API. NGN, KES, GHS and UGX in bank accounts and mobile wallets — live now, more corridors shipping.

Try the APIView on GitHub