Question 1

How does Minisend work?

Accepted Answer

You get one deposit address that accepts USDC across 19 EVM chains and USDT across 14, plus Solana. Deposits land in a single balance as spendable USDC, whichever chain they came from. When you want local money, you settle part or all of that balance to mobile money or a bank account in Kenya, Nigeria, Uganda, or Ghana. The same rails run the other way too.

Question 2

What chains does Minisend support?

Accepted Answer

USDC deposits work from 19 EVM chains: Arbitrum, Avalanche, Base, Codex, EDGE, Ethereum, HyperEVM, Ink, Linea, Monad, Morph, Optimism, Plume, Polygon, Sei, Sonic, Unichain, World Chain, and XDC. USDT deposits work from 14 EVM chains: ADI, Arbitrum, Aurora, Avalanche, Bera, BNB Chain, Ethereum, Gnosis, Monad, Optimism, Plasma, Polygon, Scroll, and XLayer. Solana is supported for both tokens. The same 0x address works across every EVM chain. No bridging, no chain switching.

Question 3

Can I earn on my balance?

Accepted Answer

Yes. USDC sitting idle in your Minisend balance earns 5.7% APY. There is no staking step and no protocol to choose. The balance stays spendable and ready to settle at any time, so earning on it costs you nothing in flexibility.

Question 4

Can I go the other way, from local money into stablecoins?

Accepted Answer

Yes. Pay with M-Pesa or Airtel Money and receive USDC on Base, landing in the same balance you settle out of. No exchange account needed. Orders run from KES 20 to KES 250,000.

Question 5

Do I have to convert my deposit right away?

Accepted Answer

No. Deposits are not converted to local currency on arrival. They land in a single balance and stay there as USDC until you decide to settle. Routing across chains is the part Minisend automates; converting to local money is a decision you make, at the moment you want the cash.

Question 6

What happens to my balance while it sits?

Accepted Answer

It earns. Idle USDC in your Minisend balance earns 5.7% APY with no staking step, no protocol selection, and no lock-up. You can settle any amount out at any time, and the rest keeps earning. There is no fee to hold a balance and no fee to earn on it.

Question 7

Which countries does Minisend support?

Accepted Answer

Four countries today. Kenya pays out to M-Pesa, Airtel Money, Buy Goods tills, Paybill numbers, and bank accounts in KES. Nigeria pays out to bank accounts in NGN. Ghana pays out to mobile money and bank accounts in GHS. Uganda pays out to mobile money and bank accounts in UGX. More African markets are in active expansion.

Question 8

What tokens can I deposit?

Accepted Answer

Minisend accepts USDC and USDT. Send either token from any supported chain to your deposit address: 19 EVM chains for USDC, 14 for USDT, plus Solana for both.

Question 9

How long to receive funds?

Accepted Answer

M-Pesa in Kenya lands in about 10 seconds once the deposit has settled. Bank and mobile money payouts in Nigeria, Ghana, and Uganda take 5 to 30 minutes. Before that, your deposit has to arrive: USDC paid on Base starts settling immediately, USDC from another chain takes a few minutes, and USDT converts to spendable USDC in 30 to 50 seconds.

Question 10

What are the fees?

Accepted Answer

There is no subscription and no account fee. Holding a balance is free, and so is earning on it. Conversion pricing is quoted per account, so email info@minisend.xyz for your rate. Whatever your rate, the fee and the live exchange rate are shown before you confirm, and conversions originating on Base are gasless.

Question 11

What are the minimum and maximum amounts?

Accepted Answer

A settlement order can be anywhere from 0.50 to 50,000 USDC. Per currency, the payout limits are KES 20 to KES 250,000, GHS 5 to GHS 5,000, and UGX 500 to UGX 5,000,000. Coming the other way, you can spend KES 20 to KES 250,000 to buy stablecoins.

Question 12

How do I access Minisend?

Accepted Answer

Three surfaces. The web app at app.minisend.xyz works in any browser with no download. The merchant dashboard at merchant.minisend.xyz is the business account. The REST API at docs.minisend.xyz is there if you would rather build on it directly.

Question 13

Do I need to bridge my stablecoins to use Minisend?

Accepted Answer

No. That is the whole point. One 0x address accepts USDC across 19 chains and USDT across 14, and Solana is supported alongside them. You send from wherever your assets already are, and Minisend routes the deposit. No bridges, no manual swaps, no chain switching, no wrapped assets to unwind.

Question 14

How does a cross-chain deposit actually work?

Accepted Answer

Minisend detects which chain and which token arrived, routes the deposit through its own settlement rails, and credits your balance as spendable USDC. USDC on EVM chains moves by a native burn-and-mint path, so there are no wrapped tokens involved. USDT and Solana deposits are routed through Minisend’s swap layer and land as USDC in 30 to 50 seconds. You do not manage any of it.

Question 15

Is Minisend secure?

Accepted Answer

Transport security is HSTS enforced site-wide with strict Content Security Policy headers. Transactions are monitored in real time across every supported chain. API keys are stored as hashes, scoped, and revocable, and outbound webhooks are signed with HMAC-SHA256.

Question 16

Can businesses use Minisend?

Accepted Answer

Yes. The merchant dashboard at merchant.minisend.xyz covers hosted checkout, no-code payment links, a REST API with webhooks, batch payouts, and a Wallet API for issuing deposit addresses to your own users. Businesses complete KYB once, then settle in KES, NGN, GHS, or UGX, or hold the balance as USDC and earn on it while it waits.

Question 17

How much has Minisend processed?

Accepted Answer

Over $500,000 settled across 10,000+ orders processed, for 1,000+ users in Kenya, Nigeria, Ghana, and Uganda. The success rate on terminal orders is 94.5%. Live status is at status.minisend.xyz.

Question 18

How do I settle USDC to M-Pesa or Kenyan Shillings (KES)?

Accepted Answer

Send USDC to your Minisend address from any of the 19 supported EVM chains, or from Solana. It lands in your balance. When you want shillings, settle any amount to your M-Pesa wallet and it typically arrives in about 10 seconds. The same flow works for USDT and for bank payouts in Nigeria (NGN), Ghana (GHS), and Uganda (UGX).

Question 19

Does Minisend have an API for developers?

Accepted Answer

Yes. A REST API covering hosted checkout, no-code payment links, off-ramp, on-ramp, and a Wallet API for issuing deposit addresses to your own users. The off-ramp is non-custodial: USDC moves from your wallet straight into settlement. Default rate limit is 60 requests per minute per IP. Full reference at docs.minisend.xyz.

Question 20

How do I settle to Ugandan Shillings (UGX)?

Accepted Answer

Send USDC or USDT to your Minisend address from any supported chain, then settle out to a Ugandan mobile money wallet or bank account. Payouts land in UGX, with order amounts from UGX 500 to UGX 5,000,000.

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