Supported payment methods
Coinwaka is a crypto wallet and exchange. Fiat rails are used only for buying, selling, and merchant settlement. Here is exactly how money moves.
Buy crypto
Buy with M-Pesa, Airtel Money, Equitel, card, PayPal, or bank transfer.
- M-Pesa
- Airtel Money
- Equitel
- Card
- PayPal
- Bank transfer
Sell crypto (payout)
Sell crypto and receive KES to M-Pesa, or supported international currencies to PayPal.
- M-PesaKES payout via Paystack
- PayPalUSD, EUR, GBP, AUD, CAD, JPY, CHF
Deposit crypto
On-chain deposits across the supported chain matrix, including USDT/USDC on TRON, BNB Chain, and Ethereum, plus native assets such as BTC, SOL, XRP, and TON.
- On-chain crypto depositUSDT/USDC on supported chains, plus native assets (BTC, SOL, XRP, TON, and others enabled in Coinwaka)
Withdraw crypto
Withdraw crypto to external wallets and exchanges on supported networks. Network fees and minimums apply.
- On-chain withdrawalTo external wallets and exchanges on supported networks. Network fees and minimums apply
Send to a Coinwaka user
Send to Coinwaka users by phone, email, @username, or QR code. Internal transfers move crypto and stablecoins only.
- Phone number
- @username
- QR code
Pay a merchant
Accept payments through Coinwaka Balance, M-Pesa, card, PayPal, bank transfer, and supported crypto wallets.
- Coinwaka BalancePay from your USDT/USDC balance
- M-Pesa
- Card
- PayPal
- Bank transfer
- External crypto wallet
Coinwaka is a crypto wallet and exchange. It uses fiat rails only for buying, selling, and merchant settlement. KES, USD, and other fiat are never held as internal transferable balances.
Coverage is limited to supported chains, not every network.
See proof of reserves for reserve coverage.
Building toward
These rails are designed to plug into Coinwaka but are not live yet. We will only list them as supported once enabled in production.