Open the app

Any token. Any wallet. Any chain. Direct to Kenyan shillings.

Start in your own crypto wallet. End with shillings on M-Pesa or in your bank.

Open the app

In short

Crypto in. Shillings out. Shillings in. Crypto out.

The network Illustrative

A network of verified merchants.

They compete on their rates. You choose.

Any token. Any wallet. Any chain. Locked in. Until it’s paid out.Direct to Kenyan shillings.Paid out. Then released.

Your crypto goes into escrow.The lock closes before any shillings move.A verified merchant pays your M-Pesa or bank. Sargo never holds your shillings.You confirm, and the crypto goes to the merchant. Not paid? Don’t confirm. Disputes are settled by merchant proof.

Your crypto locks first. The merchant pays your M-Pesa or bank, never through the lock. You confirm, and the crypto goes to the merchant.

Any token. Any wallet. Any chain.

  1. Any token. Any wallet. Any chain.

    Your crypto goes into escrow.

  2. Locked in. Until it’s paid out.

    The lock closes before any shillings move.

  3. Direct to Kenyan shillings.

    A verified merchant pays your M-Pesa or bank. Sargo never holds your shillings.

  4. Paid out. Then released.

    You confirm, and the crypto goes to the merchant. Not paid? Don’t confirm. Disputes are settled by merchant proof.

Try it with your number Illustrative

I wantI pay KSh 32,500.

Illustrative. Try your own number.

≈ $251.16 of crypto + fee≈ $251.16 of crypto − fee · at 129.40 KSh per $1 · Illustrative

In shillings. You see the crypto, plus the fee, before you confirm.

  1. 01 Say what you want. In shillings. You see the crypto, plus the fee, before you confirm.In shillings. You see the crypto, less the fee, before you confirm.
  2. 02 Pick a verified merchant’s offer. Each merchant sets their own rate. You choose.
  3. 03 Cash out or cash in. Same order, either way. The fee is shown before you confirm.
  4. 04 Now do it for real. The same steps in the app, with your own number.
New orderI wantI pay KSh 32,500ReviewIllustrative

I wantI pay

KSh 32,500

to your M-Pesafrom your M-Pesa or bank

≈ $251.16 of crypto + fee≈ $251.16 of crypto − fee

See offers

Offers

  • WKNairobiID verified129.40KSh per $1
  • JOMombasaID verified128.90KSh per $1
  • NCNakuruID verified129.10KSh per $1

Each rate is set by the merchant.

Continue

You send Illustrative

≈ $251.16 of crypto + fee

from your wallet

Your crypto goes into escrow first

You get

KSh 32,500

on your M-Pesa

You pay

KSh 32,500

to the merchant’s M-Pesa or bank

Pay once their crypto is in escrow

You get Illustrative

≈ $251.16 of crypto − fee

in your wallet

Fee shown before you confirm.

Continue

Ready when you are.

You get
KSh 32,500≈ $251.16 of crypto − fee
You sendYou pay
≈ $251.16 of crypto + feeKSh 32,500
Offer
WK · Nairobi
Rate
129.40, set by the merchant
Direction
Cash outCash in

Fee shown before you confirm.

Open the app

Illustration: a produce market in Kenya; a man smiles at his phone beside a stall of fruit and vegetables.
.

40.99 million one-month active M-PESA customers in Kenya.

Source: Safaricom PLC results, 6 May 2026 (year to 31 March 2026).

Kenya already moves money by phone.

Posted offers · Illustrative

Every merchant sets their own rate.

Illustration: a shopkeeper behind the counter of her small shop, looking at her phone.
MerchantNairobi ID verified

KSh 129.40

for each $1 of crypto

M-PesaBank Illustrative
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-Pesa Illustrative
MerchantNakuru ID verified

KSh 129.10

for each $1 of crypto

M-PesaBank Illustrative
MerchantEldoret ID verified

KSh 129.55

for each $1 of crypto

M-Pesa Illustrative

Sargo does not promise order flow or merchant earnings.

For merchants

Your keys.

We never ask for your recovery phrase, private key, PIN or banking password.

Your shillings.

They go account to account. Sargo never holds them.

Your say.

You pay the fee, shown before you confirm. We never mark up the merchant’s rate.

Illustration: a young woman on a Nairobi street at golden hour, glancing at her phone, matatus behind her.

Join the network. Or grow it.

For you · cash out or in

Open the app

For merchants · set your rate

Start as a merchant

ID verification comes before your first offer. Sargo does not promise order flow or merchant earnings.

Questions.

What if the merchant doesn’t pay?

Don’t confirm. Once the order’s deadline passes you can raise a dispute. The merchant must prove the payment with their bank’s records, and the crypto stays in escrow until then.

Can I buy crypto with KES too?

Yes. That is cash in. Say what you want to pay in shillings and pick a merchant’s offer. The merchant locks the crypto first. Then you pay their M-Pesa or bank account; they confirm, and it releases to you.

Where do my shillings go?

When you cash out, the merchant sends your shillings to the M-Pesa or bank account you choose for the order. They go account to account; Sargo never holds them. Check your balance, and confirm only when the money has arrived. Escrow then releases the crypto to the merchant.

Do I need a new wallet?

Not if you already have a self-hosted wallet: use that. If your crypto is on an exchange account, move it to a wallet you control first. Connecting a wallet does not give Sargo your private key. We never ask for your recovery phrase, private key, PIN or banking password. Start with the crypto you hold. If a conversion is needed, it happens before the lock, and you review the order before you confirm.

What will my conversion cost?

You pay the fee, and it is shown before you confirm. When you cash out, it is added to the crypto you send. When you cash in, it comes out of the crypto you receive. Merchants independently set their own rates. Sargo does not set the rate or take a spread. Payment-provider, network and conversion-route charges may also apply. See fees and payment instructions.

Who sets the merchant’s rate?

Merchants independently set their own rates. Sargo does not set the rate or take a spread. Sargo does not promise order flow or merchant earnings.

What if a payment is disputed?

Disputes are settled by merchant proof. The merchant proves the payment from their own bank’s records, using Sargo Verifier, and the crypto stays in escrow until it’s settled. The proof is tied to the order. Keep your order details and payment records, and never confirm on the strength of a payment screenshot alone.

Who is Sargo?

Sargo Ltd, a company registered in England and Wales (no. 15206415).

All questions