MerchantMombasa ID verified
KSh 128.90
for each $1 of crypto
Bank Illustrative
For merchants
Your rate. Your float. Your rails.
Post offers in Kenyan shillings. Settle in USDT or USDC.
Start as a merchant
ID verification comes before your first offer.
Your offer Illustrative
Post it once.
- Fixed or floating. Choose how your rate is set.
- Your rate. Merchants set their own rates. Sargo never marks them up.
- Your limits. The smallest and the largest order you will take.
- Your rails. M-Pesa, bank, or both. Each order shows its own deadline.
- Posted. Your offer sits beside the others. Consumers choose.
MerchantNairobi ID verified
KSh 129.40
for each $1 of crypto
M-PesaBank Illustrative
MerchantNakuru ID verified
KSh 129.10
for each $1 of crypto
M-Pesa Illustrative
Your offerMerchant ID verified
Rate type
Your rate Illustrative
KSh 129.40
for each $1 of crypto
Limits per order Illustrative
KSh 5,000 – 150,000
Paid to and from M-PesaBank
Each order shows its own deadline.
MerchantMombasa ID verified
KSh 128.90
for each $1 of crypto
Bank Illustrative
MerchantKisumu ID verified
KSh 129.75
for each $1 of crypto
M-PesaBank Illustrative
You set the payment window on your offer. Each order shows its own deadline. The consumer pays Sargo’s fee, shown before they confirm.
Your side of each order
Switch to see a cash in order
Their crypto is already locked.
A cash out order: the consumer’s USDT or USDC is in escrow before you pay.
You pay their M-Pesa or bank.
From your account, in your own name. Account to account; Sargo never holds the shillings.
They confirm.
The consumer checks the shillings landed, then confirms.
Released to you.
The crypto goes from escrow to your wallet.
You accept. Your crypto locks.
A cash in order: your USDT or USDC goes into escrow first.
They pay your account.
The consumer pays your M-Pesa or bank, in your own name.
You check, then confirm.
Confirm only when the shillings are in your account. Not paid? Don’t confirm.
Released to them.
The crypto goes from escrow to the consumer’s wallet.
Cash out order
-
Their crypto is already locked.
A cash out order: the consumer’s USDT or USDC is in escrow before you pay.
-
You pay their M-Pesa or bank.
From your account, in your own name. Account to account; Sargo never holds the shillings.
-
They confirm.
The consumer checks the shillings landed, then confirms.
-
Released to you.
The crypto goes from escrow to your wallet.
Cash in order
-
You accept. Your crypto locks.
A cash in order: your USDT or USDC goes into escrow first.
-
They pay your account.
The consumer pays your M-Pesa or bank, in your own name.
-
You check, then confirm.
Confirm only when the shillings are in your account. Not paid? Don’t confirm.
-
Released to them.
The crypto goes from escrow to the consumer’s wallet.
If a payment is disputed
Proof, from your bank.
Proof from supported banks, using Sargo Verifier.
Sargo Verifier checks the payment in your own bank’s records. It is tied to this order and submitted for review. Where your bank is not supported, the order goes to manual review.
Sargo Verifier processes your authenticated bank-session data, and some proof fields may be recorded on a public blockchain. See the Privacy Policy.
Payment record Illustrative
- Amount
- KSh 32,500
- Paid to
- The consumer’s M-Pesa
- Reference
- Order 4F2A
- Status
- Completed
Submitted for review
What you need
Three things.
- 01
ID verification.
Verify your identity in the app.
- 02
A USDT or USDC float.
In your own wallet, on Celo or Base.
- 03
A payment account in your own name.
M-Pesa or a supported bank.
What if the consumer never confirms?
Once the order’s deadline passes you can raise a dispute. It is submitted for review, and the crypto stays in escrow meanwhile.
Post your first offer.
Sargo does not promise order flow or merchant earnings.
Start as a merchant
ID verification comes before your first offer.