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🌍 Welcome to ElementPay

ElementPay is a crypto-fiat infrastructure platform that connects Africa to the global economy.
Our API enables developers and businesses to seamlessly integrate into our onramp and offramp rails, converting between stablecoins and local fiat via mobile money and bank transfers — starting in East Africa, expanding across the continent. Whether you’re building a wallet, a savings app, or a decentralized payout system, ElementPay gives you the tools to move value in and out of crypto — fast, securely, and at scale.

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💡 Why ElementPay?

  • 🌍 Pan-African by design – We support mobile money and bank systems across the continent.
  • 💱 Stablecoin-first – Built for assets like USDC, enabling access to borderless, inflation-resistant digital dollars.
  • 🧑‍💻 Developer-ready – Clean REST APIs, instant settlement, webhooks, SDKs, and easy sandbox access.
  • 📲 USSD Support – Reach users with no smartphones or internet. Our USSD interface empowers farmers, merchants, and underserved users to join the global crypto economy.
  • 🔐 Phone-linked wallets – Every USSD user gets a wallet address mapped to their phone number, enabling trusted, human-readable transfers without key management.

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🔧 What You Can Do With Our API

  • Onramp – Accept local fiat (e.g. mobile money) and credit users with stablecoins.
  • Offramp – Convert stablecoins to fiat and deliver to mobile wallets or banks.
  • Webhooks – Get real-time transaction updates to trigger actions on your backend.
  • Rates API – Fetch real-time FX rates for stablecoins and local currencies.
  • USSD Integration – Extend your crypto product to users without internet access.

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🔐 Authentication

All API requests must include your x-api-key in the header.
Need access? Request an API key →
  • Quickstart: Set up your first onramp/offramp flow
  • API Reference: Full documentation for every endpoint
  • Guides: Learn how to handle payments, webhooks, and more
Start building the next wave of African fintech. Dive into the Quickstart or explore the API Reference.