Link, checkout or API
Share a payment link, redirect to a hosted page or create payments through the API from your own site.
Stablecoins · Mali
Accept USDT and USDC payments in Mali
Collect USDT and USDC payments in Mali through a payment link, hosted checkout or API, using the assets and networks enabled for your account.
Create a business account
Stablecoin payments in Mali 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 XOF. 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 Mali 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 stablecoins in Mali: what to check before you go live
Mali uses the West African CFA franc (XOF), issued by the Central Bank of West African States (BCEAO) for the eight UMOA member states. If stablecoin payments are enabled for your account, your customers pay in USDT or USDC while your business keeps pricing, invoicing and accounting in XOF terms. Decide how you convert the order value at checkout and record the XOF figure next to each payment. The points below are practical discipline, not legal advice.
Follow what the BCEAO says about crypto-assets
At a conference it hosted in Dakar on 8 May 2026, the BCEAO Governor pointed to risks linked to crypto-assets, including high volatility, their cross-border nature, cybersecurity, consumer protection and anti-money laundering. He also said the BCEAO had set up a committee to draft a regulatory framework for crypto-assets in the UMOA. Stablecoins are not XOF and are not bank deposits, so follow BCEAO publications and check with your adviser how future rules could affect your business.
Check who converts your stablecoins to XOF
Ordinance No. 2024-011/PT-RM of 30 August 2024 on anti-money laundering, published in Mali’s Official Journal, defines virtual assets and states that no one may carry on the professional activity of a virtual asset service provider without prior approval or authorization from the competent authority. If a third party exchanges or holds stablecoins for your business, ask it for its status, and check with a qualified adviser which obligations apply to your own activity.
Fulfil only on a confirmed payment
Release goods or services only after the payment shows as confirmed in your workspace, with the asset, network and amount matching the checkout. Never accept a screenshot, a forwarded message or a transaction ID sent by the customer as proof on its own. If a refund is due, send it in the same asset and on the same network as the original payment, to an address the customer confirms, and keep the XOF value of the order with the payment record.
These sources describe Mali’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 Mali 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 Mali 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 XOF?
You keep your prices and accounts in XOF. 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.
Does Mali have rules for virtual asset service providers?
Yes. Ordinance No. 2024-011/PT-RM of 30 August 2024 brings virtual asset service providers operating in Mali within its anti-money laundering framework and requires prior approval or authorization from the competent authority to carry on that activity. Check with an adviser how it applies to your situation.
Is the CFA franc the currency used in Mali?
Yes. The BCEAO lists Mali among the UMOA member states, which share the CFA franc whose issuance is entrusted to the BCEAO.