Kotani Pay
“Can Kotani Pay become the dominant stablecoin-to-local-fiat infrastructure layer for Africa by providing the last-mile rails that connect Web3 applications to mobile money and banking channels across the continent?”
Founded in 2020, Kotani Pay began as a crypto-to-mobile-money rails provider focused on enabling African workers to receive cross-border remittances via stablecoins without needing internet (USSD-first). The company evolved into a full-stack Web3-to-fiat infrastructure layer — offering APIs, widgets, and stablecoin settlement solutions to dApps, blockchain fintechs, and gig platforms needing last-mile payouts across Africa. Its embedded finance angle is infrastructure-as-a-service: businesses integrate Kotani Pay's API to convert stablecoins (USDC, USDT, cUSD, USDGLO) to local fiat via mobile money networks (M-PESA, MTN Money, Airtel Money, Orange Money) and bank accounts.