How to Cash Out USDC to M-Pesa in Kenya

Cash out USDC to M-Pesa, in seconds

If you earn USDC onchain and need spendable Kenyan Shillings, Minisend converts it and settles directly to M-Pesa. No centralized exchange, no P2P trader, no bridging. Send USDC to your Minisend address from any supported chain, choose to cash out, and the equivalent KES lands on M-Pesa in roughly 10 seconds.

This guide walks through the whole flow.

What you need

• A Minisend account: open the app at app.minisend.xyz, use it inside the Base app, or open the Farcaster miniapp.
• USDC on any of the supported EVM chains (more on which chains below).
• Your Safaricom M-Pesa number.

Step by step

1. Open Minisend and copy your deposit address. You get a single 0x address that works across every supported chain. Tap Deposit to see it, or scan the QR code from another wallet.
2. Send USDC from any chain. Minisend detects the source chain automatically. No bridging or chain switching. Your balance updates with spendable USDC in about a minute, and you get an email confirming it landed.
3. Choose to cash out to M-Pesa. Select Kenya and M-Pesa, then enter your M-Pesa number and the amount you want to withdraw.
4. Check the live rate and confirm. Minisend shows the real-time KES exchange rate before you confirm, so you see exactly what you'll receive, with no hidden spreads.
5. Receive KES on M-Pesa. The cash-out typically completes in around 10 seconds.

Which chains can I send USDC from?

One 0x address accepts USDC across 19 EVM chains: Arbitrum, Avalanche, Base, Codex, EDGE, Ethereum, HyperEVM, Ink, Linea, Monad, Morph, Optimism, Plume, Polygon, Sei, Sonic, Unichain, World Chain, and XDC. The address is identical on every one of them, so send from wherever your USDC already is.

How long does it take, and what does it cost?

Timing depends on where your USDC starts, not on where it ends up:

• USDC already on Base: settlement starts immediately.
• USDC on another supported chain: a few minutes to reach Base.
• USDT instead of USDC: converts to spendable USDC in 30-50 seconds, then follows the same path.
• M-Pesa payout: about 10 seconds once you confirm the cash-out.

On cost, there is no subscription and no account fee. A platform fee is deducted from the KES amount after conversion, and both that fee and the live rate are on screen before you confirm. Conversions originating on Base are gasless, so you pay zero gas.

How much can I cash out at once?

An off-ramp order runs from 0.50 USDC to 50,000 USDC. On the KES side the payout limits are KES 20 to KES 250,000. If an order sits unpaid for 30 minutes it expires, and an expired order costs you nothing.

Prefer Airtel Money, a till, or a bank transfer?

Kenya has four payout rails, all settling in Kenyan Shillings: M-Pesa, Buy Goods (till), Paybill, and bank transfer. Airtel Money works for the on-ramp direction. Paying a supplier or a school? Send the payout straight to their till or paybill number instead of routing it through your own wallet first.

Cashing out elsewhere? See Nigeria and Ghana or Uganda.

You can cash out USDT too

The same flow works for USDT across 14 chains. Not sure which token to hold? Read USDC vs USDT: what you need to know.

Cashing out for a team or business?

If you're settling invoices, paying contributors, or moving stablecoins at volume, Minisend for business brings the same one-address, instant-settlement flow to teams.

Start cashing out

Open Minisend, copy your address, and send your first USDC. To understand why instant local-currency settlement matters, read why stablecoin offramps matter for Africa.