Link, checkout or API
Share a payment link, redirect to a hosted page or create payments through the API from your own site.
Stablecoins · The Gambia
Accept USDT and USDC payments in The Gambia
Collect USDT and USDC payments in The Gambia through a payment link, hosted checkout or API, using the assets and networks enabled for your account.
Create a business account
Stablecoin payments in The Gambia depend on your account, its verification and the assets and networks enabled.
USDT
USDCStablecoin payments
Your prices in local currency.
Your customers pay in USDT or USDC while you price and keep your accounts in GMD. The checkout shows the asset, network, amount and address for each payment, and your merchant workspace tracks its confirmation. Assets, networks and limits depend on your account and its verification.
Exact instructions for every payment
The customer sees the asset, network, amount and address to use. Sending on the wrong network can lose funds.
Confirmation tracking
Fulfil only when the payment shows confirmed in your merchant workspace, never on the strength of a screenshot.
Know the risks
Stablecoins are designed to track the US dollar but can deviate. They carry issuer, market and network risks and are not bank deposits.
How it works
Create your business account
Register your business in The Gambia and complete the required verification. Enabled features appear in your workspace.
Create the payment
Generate a link, a checkout or an API payment for the order amount.
The customer pays in stablecoins
The customer sends the exact asset on the stated network to the address shown for that payment.
Reconcile and fulfil
Track the confirmation in your merchant workspace, then process the order.
Taking stablecoin payments in The Gambia: price in dalasi, verify before you deliver
The Gambia’s currency is the dalasi (GMD), issued by the Central Bank of The Gambia, whose mandate under the CBG Act 2018 includes maintaining the stability of the currency. If stablecoin payments are enabled for your account, your customer pays in USDT or USDC, while your prices, invoices and books stay in GMD terms. Decide how you convert a dalasi price into a stablecoin amount and record the reference you used for each order. A stablecoin is not the dalasi and not a bank deposit: it carries issuer, market and network risk.
Check the regulatory position before you start
The Central Bank of The Gambia’s mandate includes directing and regulating the country’s financial, banking and currency system. The official pages cited here describe that mandate and the dalasi, but they do not set out a position on accepting stablecoins as payment. Before you rely on USDT or USDC receipts, check with the Central Bank of The Gambia and your legal or tax adviser how these payments should be treated for your type of business, and revisit that answer as the rules develop.
Keep records that would stand up to an AML review
The Gambia’s Financial Intelligence Unit was established under the Anti-Money Laundering and Combating Terrorist Financing Act 2012, and its mandate includes making information available to investigating and revenue agencies. The FIU’s published definition of money laundering covers acquiring or using property known to be the proceeds of crime. For each stablecoin order, keep the customer details you collected, the GMD invoice, the asset, the network and the transaction reference. Check with the FIU whether your sector has specific reporting duties, and pause any payment that looks unusual.
Deliver only after confirmation, refund like for like
Release goods or services only once the payment shows as confirmed in your ZyndPay workspace. A screenshot, a forwarded message or a customer’s word that funds were sent is not proof of payment. If you need to refund, return the same asset on the same network, to an address you have verified with the customer, and record the refund against the original GMD invoice. Settle disagreements from your own records rather than accepting a second transfer on a different network.
These Central Bank of The Gambia and Financial Intelligence Unit pages describe The Gambia’s currency and anti-money laundering framework. They do not establish a ZyndPay licence, partnership, regulatory approval, or availability for your account.
FAQ
Your questions. Answered.
Can a business in The Gambia accept USDT with ZyndPay?
If stablecoin payments are enabled for your account after verification, you can create USDT and USDC links, checkouts or API payments. Availability depends on your account and the checks that apply.
Do my customers in The Gambia need a ZyndPay account?
No. Customers pay from the wallet of their choice, following the asset, network and address shown on the payment page.
How do I price in GMD?
You keep your prices and accounts in GMD. The stablecoin amount to pay is shown to the customer before payment; check the terms and fees in your workspace before you start.
How do refunds work?
Refund in the same asset and on the same network, to an address the customer confirms. Keep the reference of the original payment.
Who issues the dalasi?
The Central Bank of The Gambia. Its official history says the assets and liabilities of The Gambia Currency Board were vested in the Central Bank in 1971, the same year the currency was decimalised at 1 dalasi = 100 bututs.
Which body deals with anti-money laundering questions in The Gambia?
The Financial Intelligence Unit (FIU), established under the AML/CTF Act of 2012. Its mandate includes helping to identify the proceeds of criminal conduct and combating money laundering and terrorist financing. Contact the FIU about any reporting duties that apply to your business.