On-ramp and Off-ramp in Africa: Expand your Web3 business with one integration

Kotani Pay
5 min readMar 22, 2024


Every business aims for growth — more users, improved tech capabilities, better products, increased profits, and broader reach. But breaking into new markets, whether you’re a startup or a well-established company, is never easy. In Africa, with its fragmented payment systems and complex jurisdictional processes, expansion can be daunting and costly. Adding to the challenge, African countries often have different legal requirements, leading to extensive paperwork.

Digital asset ecosystem in Africa

Despite these obstacles, the value of blockchain technology in Africa is evident from the numbers. In 2023 alone, Sub-Saharan African countries saw a staggering $117 billion in digital asset transactions, marking a 14% increase from 2022. Notably, countries like Nigeria (2nd), Kenya (21st), Ghana (29th), and South Africa (31st) rank high in the Global Crypto Adoption Index, showcasing the region’s growing interest in digital currencies.

A key driver behind the uptake of digital assets is the threat of inflation and mounting debt, which erodes the value of local currencies. To protect their savings and investments, people in countries like Nigeria and Ghana are turning to stablecoins and innovative financial products such as Machankura, Kotani Pay, Nuzo, and Fonbnk among others. These solutions cater to the unbanked and underbanked populations, making digital assets more accessible and inclusive.

With a clear market demand for Web3 solutions in Africa, how can your Web3 business capitalize on this opportunity for growth?

Partnering for success

In today’s fast-paced digital landscape, seizing opportunities is key. By aligning with your business needs and expansion goals, you can save valuable time and resources by partnering with established Web3 businesses and tapping into burgeoning markets.

Integrating with other businesses allows your Web3 venture to reap numerous benefits. Not only does it streamline expansion efforts, but it also unlocks advantages such as scalability, enabling your API to handle increased traffic and transactions seamlessly. Efficiency is also enhanced as tasks are automated, reducing the need for manual intervention. Moreover, integration grants access to new features provided by the API provider, enriching your offerings and staying competitive in the market.

What can the Kotani Pay API do?

At Kotani Pay, we prioritize scalability to meet the demands of today’s competitive market. Our API is meticulously designed with future-proofing in mind, ensuring it seamlessly adapts to your business needs. Here are some standout features that set our API apart:

  • Off-Ramp: Empower your users to effortlessly withdraw their digital assets through a variety of payment platforms, offering them flexibility and convenience.
  • On-Ramp: Seamlessly convert fiat to digital assets for your users across a range of payment platforms, simplifying their journey into the digital asset space.
  • Merchant Payments: Enable your users to pay merchants directly in stablecoins, with easy settlement in local currency, enhancing transaction efficiency.
  • Tailored Pricing: Customize your pricing structures through API integration, seamlessly incorporating them into your users’ final transactions.
  • Real-Time FX Rates: Access automated, real-time foreign exchange rates for smooth stablecoin-to-local fiat conversions across Africa, ensuring a seamless user experience.
  • Instant Settlement: Our plug-and-play solution provides instant fund settlement to your preferred payment platform within minutes, streamlining your operations.
  • Wallet Creation: Utilize our API to establish non-custodial wallets across over 10 blockchains on both mainnet and testnet, ensuring secure asset storage.
  • Custom Integration: Tailor your integration to meet your specific business requirements, leveraging our API’s flexibility and adaptability.

Benefits of the Kotani Pay API

The Kotani Pay API offers a comprehensive suite of solutions designed to address the specific needs of Web3 businesses. By integrating with Kotani Pay API, businesses can unlock a myriad of benefits such as:

  1. Multi-Currency Support: Our API offers extensive support for various digital assets, including USDC, cUSD, USDT, Sats, as well as fiat currencies such as Ksh, USD, Ghana cedi, Rand, and Zambia Kwacha. This versatility enables businesses to cater to diverse user preferences and meet market demands effectively.
  2. Multi-Country Support: Through a single integration, web3 businesses can access on-ramp and off-ramp capabilities across multiple countries, including Kenya, Ghana, Zambia, and South Africa. This streamlined approach eliminates the need to manage separate operations for each country, enhancing efficiency and scalability.
  3. Multi-Chain Support: The Kotani Pay API supports over 15 blockchain networks, providing web3 businesses with flexibility in choosing their preferred chain network. This diversity allows businesses to adapt to evolving market trends and leverage the most suitable blockchain infrastructure for their operations.
  4. Compliance and Security: Our API adheres to stringent compliance standards and implements advanced security measures to mitigate risks associated with fraud and regulatory non-compliance. By prioritizing security and regulatory adherence, we ensure the safety of user funds and data, fostering trust and confidence among our partners and customers.
  5. Developer-Friendly Integration: With our developer-friendly documentation, integrating with our API is a streamlined and hassle-free process. This allows businesses to focus on innovation and growth, leveraging our API to enhance their services and expand their market reach efficiently.
  6. White-labeled Solution: Our API is white-labeled, enabling businesses to leverage our technology for their expansion while maintaining their brand identity and consistency. This customization option ensures a seamless integration of our services into existing business frameworks, enhancing brand recognition and customer loyalty.

How to get started with KP integration

Integrating with the Kotani Pay API is a breeze. Follow these four easy steps to seamlessly integrate your business with us:

Step 1: Schedule a Call and Explore Documentation

Begin by visiting our website and delving into our comprehensive documentation. This resource provides insights into our API and its functionalities. Once satisfied, proceed to schedule a call with our sales team to address any queries you may have about the integration process.

Step 2: Onboarding Process

After your initial call, our compliance team will guide you through the onboarding process. This involves submitting KYC information and undergoing sanction list screening to ensure regulatory compliance. Once onboarded and transacting, our compliance team conducts continuous Know Your Transaction (KYT) to monitor current and historical transactions.

Step 3: Technical Discussion

Upon clearance, our tech teams will collaborate to determine the preferred network and user flow. Our team will provide a detailed guide on generating an API key.

Step 4: Testing and Integration

With your API key in hand, test the API endpoints in a controlled environment. Once you’re confident in the API’s functionality, proceed with integration into your application.

And just like that, your Web3 business is seamlessly integrated with an on-ramp and off-ramp API, granting access to multiple countries, currencies, and payment providers. Curious if our API fits your Web3 business? Schedule a free demo to learn more.



Kotani Pay

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