Pay out across West Africa with USDt

What you can do

Built for paying into West Africa

Hold USDt, pay out XOF. Stables handles FX, local rails and reconciliation so you never touch banking infrastructure directly.

Pay out in XOF

Send to bank accounts and mobile wallets across the UEMOA zone, with clear FX and fees.

Quote-locked FX

Lock the USDt→XOF rate at quote time. The amount you quote is the amount that lands.

One API, full audit trail

Create a transfer, follow status by webhook, and reconcile with a clear FX and fee breakdown.

Coverage

XOF payouts, settled in USDt

One endpoint to move money into West Africa. We settle to local rails and net out in USDt.

Bank transferMobile money

POST /api/v1/transfer

// POST /api/v1/transfer → response
{
  "id": "tr_8f2a41c0",
  "status": "completed",
  "source": {
    "amount": "1000.00",
    "currency": "USDT",
    "network": "tron"
  },
  "destination": {
    "amount": "1283.40",
    "currency": "XOF",
    "rail": "bank"
  },
  "exchange_rate": "1.2834",
  "total_fee": { "amount": "2.10", "currency": "XOF" }
}

FAQ

West Africa transfers, answered

Which rails do you support in West Africa?

Local bank transfer and mobile money for XOF payouts across the UEMOA franc zone.

What currency do I hold?

You hold and settle in USDt. We convert to XOF at a locked rate when you create the transfer.

How fast do payouts arrive?

Mobile money is near-instant; local bank transfers typically settle same day.

Is the FX rate locked?