Mobile money top-up

Move local cash into your SIMPay USDC or USDT balance from any phone — smart or basic.

1 · USSD

Works offline on any handset.

Dial the SIMPay menu, choose Deposit, pick your mobile money network and enter the amount. Approve the operator prompt and the stablecoins are credited to your spendable balance.

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2 · SMS

One text, no menus.

Text the command below to your SIMPay number. You receive a payment prompt from your mobile money wallet, and a confirmation SMS with your new balance once it settles.

TOPUP 20 USDC

3 · Cash agent

Hand over notes, get stablecoins.

Give cash to a registered SIMPay agent along with your phone number. The agent pushes the deposit from their float and both of you get an SMS receipt with the on-chain reference.

Find an agent contact

Cashing out

The same rails run in reverse.

Selling stablecoins on the Swap screen debits your balance immediately and queues a real mobile money or bank payout to the number or account you enter. You can follow the payout status in your swap history until it reads completed.

Open swap · cash out

Fees and limits

No surprises.

Swap fee 0.75% on the stablecoin leg; mobile money operator charges are shown before you confirm.
Rates come from a live FX feed refreshed every 10 minutes, quoted in the currency of your signed-in number.
Agent deposits and USSD top-ups settle within minutes; bank transfers can take one business day.
Every top-up and payout is written to your transaction history with an audit reference.