🇺🇸USD to 🇰🇪KES
Kenya's M-Pesa rails are the most penetrative mobile-money network on earth. Sera bridges global stablecoin liquidity into M-Pesa for the first time at protocol scale.
Indicative figures from trailing 30-day flow. Not a guarantee of returns. See full disclaimer below.
How a USD → KES payment moves through Sera.
USD via ACH → USDC → routed against KES liquidity → KES via M-Pesa or PesaLink to recipient phone or bank.
Real-time on both sides.
Sera plugs into the local instant-payment networks on both ends so the flow stays settled in seconds, not days.
- Real-timeFedNow24/7/365
- Same-dayACHSame-day & next-day
- WireFedwire
- Real-timeM-PesaMobile money, dominant
- Real-timePesaLinkBank-to-bank
- Diaspora remittance to Kenya
- USD payouts to creators
- M-Pesa cash-out
You earn the FX spread on every USD/KES swap.
Deposit USDC or USDC (or any major stablecoin, Virtual Liquidity does the conversion) and you start collecting 12 bps fees on routed volume in proportion to your share of the pool. 80% of the swap fee accrues to LPs; 15% to protocol; 5% to safety reserve.
Deploy Liquidity → USD/KESHighest yields on this list; also highest stablecoin-side concentration. LPs should size accordingly. CBK licensing handled by Sera partners.
Indicative APY shown is illustrative only and based on trailing 30-day flow. Yields are not guaranteed and may be lower or zero. Liquidity provision involves risk including loss of principal, smart-contract risk, oracle risk, and adverse FX movement. Not investment advice.