Link, checkout or API
Share a payment link, redirect to a hosted page or create payments through the API from your own site.
Stablecoins · Kenya
Accept USDT and USDC payments in Kenya
Collect USDT and USDC payments in Kenya through a payment link, hosted checkout or API, using the assets and networks enabled for your account.
Create a business account
Stablecoin payments in Kenya 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 KES. 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 Kenya 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.
Accepting USDT and USDC in Kenya: what the CBK and the 2025 VASP Act say
Kenya’s currency is the Kenya shilling (KES), issued by the Central Bank of Kenya (CBK) under the Central Bank of Kenya Act. If stablecoin payments are enabled for your account, your customer pays in USDT or USDC while your business still sets prices, issues invoices and keeps its books in KES terms. Decide how you turn a KES price into a stablecoin amount before you share a payment link, and record the asset, network and KES value of each order so your accounts stay consistent from sale to refund.
What the Central Bank of Kenya has said about virtual currencies
In a public notice dated December 2015, the CBK said that Bitcoin and similar products are not legal tender in Kenya, and that no protection exists if the platform that exchanges or holds a virtual currency fails or goes out of business. It also urged the public to desist from transacting in them. That notice predates the 2025 law described below, but its legal-tender point still matters for your customers: a stablecoin is not the Kenya shilling and not a bank deposit. Name the asset you accept clearly and never present it as KES.
The Virtual Asset Service Providers Act, 2025
Kenya’s Virtual Asset Service Providers Act, 2025 commenced on 4 November 2025. It provides a legal framework to license and regulate virtual asset service providers and states that a person shall not carry on that business in or from Kenya unless licensed. A CBK public notice of 18 November 2025 says the Act designates the CBK and the Capital Markets Authority (CMA) as regulators and sets anti-money laundering obligations for providers. Check with the CBK, the CMA or a Kenyan adviser how the Act applies to your own activities, and keep order and customer records you can rely on.
Confirm before you fulfil, refund like for like
Release goods or services only after the payment shows as confirmed in your workspace, never on the strength of a screenshot or a transaction message forwarded by the customer. Check that the asset and network match the checkout before you deliver. If you refund, send the same asset on the same network to an address the customer confirms in writing, and note the KES value used at the time of the sale and of the refund. Agree in advance how underpayments, overpayments and price changes will be handled.
These official sources describe Kenya’s currency and its rules on virtual assets. They do not establish a ZyndPay licence, partnership, regulatory approval, or availability for your account.
FAQ
Your questions. Answered.
Can a business in Kenya 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 Kenya 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 KES?
You keep your prices and accounts in KES. 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.
Are USDT and USDC legal tender in Kenya?
No. In its December 2015 public notice, the Central Bank of Kenya stated that Bitcoin and similar products are not legal tender in Kenya. The Kenya shilling is the currency issued by the CBK under the Central Bank of Kenya Act.
Who regulates virtual asset service providers in Kenya?
According to a CBK public notice of 18 November 2025, the Virtual Asset Service Providers Act, 2025 designates the Central Bank of Kenya and the Capital Markets Authority as the regulators responsible for licensing, supervising and regulating providers. This does not mean that any particular payment provider is licensed by them.