Your dollar walletfor Africa
Send money across borders, hold USDC, and get paid — all from one non-custodial wallet. No bank account needed.
No bank account required
Mobile money in & out
You control your keys
~5s
Typical settlement
Stellar network speed
$0
Hidden fees
Transparent pricing
100%
Key ownership
Non-custodial wallet
How it works
Up and running in three steps
From first deposit to your first cross-border send — the entire flow takes minutes, not days.
Get started freeCreate your wallet
Sign up with email in under a minute. Your private keys are generated on your device — we never see them.
Add funds
Top up with mobile money from your phone. Local currency converts to USDC or XLM directly in your wallet.
Send, save, or earn
Transfer across borders, hold dollar assets, invoice clients, or accept payments. Cash out to mobile money anytime.
Use cases
One wallet, every way you move money
Whether you send to family, invoice clients, or run a shop — Stepay handles deposits, transfers, and payouts in one place.
Personal
Send money home
Pay family and friends across borders by phone number. No bank account, no waiting days for transfers to clear.
~5 second settlement
Mobile money top-up & cash-out
Hold USDC between sends
Freelancers
Get paid globally
Invoice clients anywhere with a payment link. Receive USDC instantly and cash out to mobile money when you need local currency.
Payment request links
Hold dollar savings
No card terminal needed
Business
Accept payments
Shops, schools, and online sellers share a QR code or link. Customers pay in seconds — you receive funds directly in your wallet.
QR & payment links
Merchant dashboard
Developer API available
Why switch
Banking wasn't built for how Africa moves money
Stepay gives you the speed of mobile money, the stability of dollar assets, and the control of a self-custodial wallet — without a bank account.
Traditional
Stepay
Account setup
Days, branch visit
Under 1 minute, online
Cross-border transfer
2–5 business days
~5 seconds on Stellar
Hold US dollars
FX account required
USDC in your wallet
Accept payments
Card terminal + fees
QR code or link, no hardware
Who holds your funds
The bank
You — non-custodial keys
Cash in / cash out
Bank transfer only
Mobile money on-ramp
Features
See the app in action
Each screen mirrors the actual dashboard — send, deposit, invoice, merchant checkout, and wallet security.
Cross-border sends
Pay anyone by phone number
Send USDC to family, friends, or suppliers across Africa. Recipients are matched by mobile number — transfers settle in seconds on Stellar.
Try sending9:41
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Send
Min 1 USDC
Found: Chanda Banda · Lusaka
Dollar savings
Hold USDC in your wallet
Top up with mobile money and keep dollar assets in one place. Track your balance, swap between USDC and XLM, and watch portfolio value in local currency.
Open your walletMobile money deposit
Top up from your phone
Deposit local currency via MTN, Airtel, or other mobile money networks. Funds convert to USDC and land in your wallet within minutes.
Make a deposit9:41
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Deposit
Pay with mobile money — funds arrive as USDC in your wallet.
~768.00 USDC
Mobile money
Merchant payments
Accept payments with a link or QR
Create checkout links for fixed amounts — school fees, café orders, online sales. Customers pay in seconds; you receive USDC directly.
Set up payments9:41
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Accept payments
Quick checkout
Recent checkouts
Café order #184
12.50 USDC · paid
Freelancer invoicing
Invoice clients with a payment link
Set an amount, add a note, and share the link on WhatsApp or email. Clients pay on Stepay; you hold dollars or cash out locally.
Create an invoice9:41
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Request money
Share link
stepay.pro/pay/req_a8f3…
Wallet security
Your keys, your funds
Stepay is non-custodial. Private keys live on your device, with optional cloud backup. Export your secret key anytime — we never hold your money.
Learn about security9:41
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Wallet & security
Non-custodial
Only you control your keys
Your private keys are stored on this device. Stepay cannot move your funds.
Stellar address
GDT5…F1G2Export secret key
FAQ
Common questions
Everything you need to know before opening your wallet.
No. You can top up with mobile money directly from your phone and start sending or accepting payments within minutes. A bank account is never required.
Transfers between Stepay users typically settle in around 5 seconds on the Stellar network — compared to 2–5 business days with traditional banks.
Yes. Hold USDC and XLM in your non-custodial wallet. Top up with mobile money, swap between assets anytime, and cash out when you need local currency.
Stepay is non-custodial — your private keys stay on your device. We cannot access or move your funds. You are always in control.
Absolutely. Share a payment link or QR code so customers and clients pay you directly. Ideal for shops, schools, side projects, and remote work.
From your dashboard, choose Sell/Withdraw, enter the amount, and select your mobile money provider. Funds arrive on your phone typically within minutes.
Ready to move moneyon your terms?
Become an early user — send across Africa, hold dollars, and get paid. Free to start, ready in minutes.