Open the app

For merchants

Your rate. Your float. Your rails.

Post your rate once. On a cash out order, the customer’s crypto is in escrow before you pay a shilling.

Start as a merchant

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

Illustration: a trader at a desk by a window above a busy Nairobi street, checking his phone.

Any token in. USDT, USDC or USDm for you.

Customers start from any token, in any wallet, on any chain. It’s converted before escrow, so you settle in USDT or USDC on Celo or Base, or USDm on Celo.

Your offer Illustrative

Post it once.

  1. Fixed or floating. Choose how your rate is set.
  2. Your rate. Merchants set their own rates. Sargo never marks them up.
  3. Your limits. The smallest and the largest order you will take.
  4. Your rails. M-Pesa, bank, or both. Each order shows its own deadline.
  5. Posted. Your offer sits beside the others. Customers 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 customer 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 customer’s USDT, USDC or USDm 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 customer 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, USDC or USDm goes into escrow first.

They pay your account.

The customer 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 customer’s wallet.

Cash out order

  1. Their crypto is already locked.

    A cash out order: the customer’s USDT, USDC or USDm is in escrow before you pay.

  2. You pay their M-Pesa or bank.

    From your account, in your own name. Account to account; Sargo never holds the shillings.

  3. They confirm.

    The customer checks the shillings landed, then confirms.

  4. Released to you.

    The crypto goes from escrow to your wallet.

Cash in order

  1. You accept. Your crypto locks.

    A cash in order: your USDT, USDC or USDm goes into escrow first.

  2. They pay your account.

    The customer pays your M-Pesa or bank, in your own name.

  3. You check, then confirm.

    Confirm only when the shillings are in your account. Not paid? Don’t confirm.

  4. Released to them.

    The crypto goes from escrow to the customer’s wallet.

If a payment is disputed

Proof, from your bank.

Disputes are settled by merchant proof, using Sargo Verifier.

Sargo Verifier checks the payment in your own bank’s records, tied to this order.

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 customer’s M-Pesa
Reference
Order 4F2A
Status
Completed

Proof verified

Illustrative: a bank record in a desktop browser, checked with Sargo Verifier and stamped “Proof verified”.

What you need

Three things.

  1. 01

    ID verification.

    Verify your identity in the app.

  2. 02

    A USDT, USDC or USDm float.

    In your own wallet: USDT or USDC on Celo or Base, or USDm on Celo.

  3. 03

    A payment account in your own name.

    M-Pesa or a supported bank.

What if the customer never confirms?

Once the order’s deadline passes you can raise a dispute and prove your payment from your bank’s records, using Sargo Verifier. The crypto stays in escrow until it’s settled.

All questions

Prefer to talk first?

Register interest.

Tell us about the orders you could take, your rails and your float. Starting in the app is the direct way in; this is for a conversation first. Sargo does not promise order flow or merchant earnings.

Preview: test submissions only

This preview stores what you send in an isolated test database so the form can be checked end to end. Test entries are not reviewed by Sargo and do not register real interest. Use example details, not real personal information.

About you
Typical order range

These are questions about what you could support, not order limits.

Banks, stablecoins and networks
Bank accounts in your own name

Select all that apply.

Settlement stablecoins you can hold

Select all that apply.

Blockchains you’re happy to hold value on

Select all that apply. Optional.

Confirm

A test submission is saved to the preview database only.

Join the network

Post your first offer.

Start as a merchant

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