Minisend Limits, Fees, and Settlement Times
·6 min readThe short version
An off-ramp order runs from 0.50 to 50,000 USDC. M-Pesa payouts land in about 10 seconds; bank and mobile money payouts take 5 to 30 minutes. There is no subscription and no account fee. Conversion pricing is quoted per account — email info@minisend.xyz.
Everything below is the detail.
Amount limits
| Scope | Minimum | Maximum |
|---|---|---|
| Any off-ramp order | 0.50 USDC | 50,000 USDC |
| KES payout | KES 20 | KES 250,000 |
| GHS payout | GHS 5 | GHS 5,000 |
| UGX payout | UGX 500 | UGX 5,000,000 |
| Hosted checkout session | 0.01 USDC | 10,000 USDC |
| On-ramp order (buying USDC with KES) | KES 20 charged, KES 100 net after fees | KES 250,000 |
Both limits apply at once. A UGX payout has to satisfy the 0.50 USDC order floor and the UGX 500 payout floor.
How fees work
There is no subscription, no monthly minimum, and no account fee. Minisend does not publish a rate card: conversion pricing is set per account, so email info@minisend.xyz and the sales team will quote it for your volume. Whatever your rate, the fee and the live exchange rate are on screen before you confirm any order.
Two things that are not part of the quote but affect what you net:
- Gas. Conversions originating on Base are gasless. Sending from any other chain costs that chain's normal network fee, which goes to the network, not to Minisend.
- Rate behaviour. For KES, GHS, and UGX the exchange rate is executed live at settlement. For NGN it is locked when the order is created, which is why NGN orders expire sooner.
Settlement times
| Stage | Typical time |
|---|---|
| USDC deposit on Base | Settlement starts immediately |
| USDC deposit from another supported chain | A few minutes |
| USDT deposit, any supported chain | 30-50 seconds to spendable USDC on Base |
| M-Pesa payout | About 10 seconds |
| Bank or mobile money payout | 5-30 minutes, following the provider's timeline |
| Mobile money on-ramp to USDC | Minutes |
Order expiry
| Order type | Window |
|---|---|
| Off-ramp: KES, GHS, UGX | 30 minutes |
| Off-ramp: NGN | About 5 minutes |
| Hosted checkout session | 30 minutes |
The Naira window is shorter because the NGN rate is locked at order creation, and a locked rate cannot be held open indefinitely. An expired order is marked expired and costs you nothing.
Which chain should you send from?
If you have a choice, this is the whole decision:
| Your situation | Best move | Why |
|---|---|---|
| USDC already on Base | Send as-is | Settlement starts immediately and the conversion is gasless |
| USDC on another supported chain | Send as-is | A few minutes to settle; do not bridge to Base first |
| USDT on a supported chain | Send as-is | Converts to spendable USDC in 30-50 seconds |
| Stablecoins on an unsupported chain | Move to a supported chain | The address covers 19 chains for USDC and 14 for USDT |
The thing not to do is bridge manually before depositing. Minisend routes across chains on its own settlement rails, so a manual bridge only adds a fee, a wait, and a chance of error.
Countries and payout rails
| Country | Currency | Rails |
|---|---|---|
| Kenya | KES | M-Pesa, Buy Goods (till), Paybill, bank |
| Nigeria | NGN | Bank |
| Ghana | GHS | Mobile money, bank |
| Uganda | UGX | Mobile money, bank |
The on-ramp runs in the other direction for Kenya: pay with M-Pesa or Airtel Money and receive USDC on Base or Celo, or USDT on Celo.
Supported chains
USDC, 19 chains: Arbitrum, Avalanche, Base, Codex, EDGE, Ethereum, HyperEVM, Ink, Linea, Monad, Morph, Optimism, Plume, Polygon, Sei, Sonic, Unichain, World Chain, XDC.
USDT, 14 chains: ADI, Arbitrum, Aurora, Avalanche, Bera, BNB Chain, Ethereum, Gnosis, Monad, Optimism, Plasma, Polygon, Scroll, XLayer.
The same 0x address works on all of them.
API rate limits
| Endpoint | Limit |
|---|---|
| Default, all endpoints | 60 requests / minute / IP |
| Checkout creation | 30 / minute |
| Off-ramp order creation | 20 / minute |
| Off-ramp deposit submission | 20 / minute |
| On-ramp order creation | 10 / minute |
| On-ramp payment prompts | 5 per phone number per 10 minutes |
Support can raise these. Full reference at docs.minisend.xyz.
Yield on idle balances
USDC held in a Minisend Wallet earns up to 4.59% APY automatically. There is no fee to enable it, no staking step, no protocol to choose, and no lock-up. The balance stays spendable and the live APY is always visible in the wallet. See automated yield.
Business onboarding
Live payouts require KYB: incorporation documents, founder and director details, and proof of address for both the business and the director, dated within the last three months. Acknowledgement arrives within one business day and most reviews finish within two. Off-ramp API access is activated on request at info@minisend.xyz.
These figures are current as of August 2026. The machine-readable version lives at minisend.xyz/pricing.md.
Frequently asked questions
- What is the minimum amount I can cash out on Minisend?
- An off-ramp order starts at 0.50 USDC. Each currency also has its own payout floor: KES 20, GHS 5, and UGX 500. Both limits apply, so the order has to clear the USDC minimum and the local minimum.
- What is the maximum I can cash out in one order?
- 50,000 USDC per off-ramp order. Per currency the ceilings are KES 250,000, GHS 5,000, and UGX 5,000,000. Hosted checkout sessions cap at 10,000 USDC.
- How does Minisend charge fees?
- There is no subscription, no account fee, and no published rate card. Conversion pricing is set per account, so email info@minisend.xyz for a quote. Whatever your rate, the fee and the live exchange rate appear before you confirm an order, and conversions originating on Base are gasless.
- How long does a payout take?
- M-Pesa payouts arrive in about 10 seconds. Bank and mobile money payouts take 5 to 30 minutes. Before the payout, the deposit settles: immediately for USDC on Base, a few minutes from another chain, and 30-50 seconds for USDT to become spendable USDC.
- Which chain should I send USDC from?
- Send from whichever chain your USDC already sits on. Base is fastest, settling immediately and gasless. Other supported chains take a few minutes. Do not bridge to Base manually first, because Minisend already routes across chains and a manual bridge only adds cost and risk.
- What happens if I do not pay an order in time?
- The order expires and costs you nothing. The window is 30 minutes for KES, GHS, and UGX orders and hosted checkout sessions, and about 5 minutes for NGN orders because the Naira rate is locked at creation.
- What are the Minisend API rate limits?
- The default is 60 requests per minute per IP. Checkout creation is 30 per minute, off-ramp order creation and deposit submission are 20 per minute each, on-ramp order creation is 10 per minute, and on-ramp payment prompts are limited to 5 per phone number per 10 minutes. Support can raise these.