Kotani Pay
Kotani Pay
A blockchain wallet accessible via USSD with no internet connection required, targeting 440 million people across Africa. Its limits are the exclusive focus on the African continent, the lack of a physical card and a CSAT of just 2/5.
Data & conditions
| Service type | Payroll / EOR |
|---|---|
| Pricing model | Spread (bps) |
| Spread | 100 bps |
| Stablecoins | USDC, USDT, cUSD |
| SDK | JavaScript, TypeScript, REST |
| Processed volume | $23M |
| Fund custody | Self-custody (funds in your control) |
| KYC | Full |
| Supported countries | AFRICA · 60+ countries |
| Regulator | FSCA |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | CASP FSP South Africa |
Strengths
- Unique USSD blockchain wallet: no internet richiesto; 440M africani target.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- CSAT 2/5; only Africa focus; no card physical.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (FSP South Africa): reporting to authorities and freezes on order.
Verdict
The B rating comes from lights and shadows: an FSP licence regulated by South Africa's FSCA provides regulatory cover, but a CSAT of just 2/5 signals experience and perceived-reliability problems that weigh on the verdict. The service is not available in Italy and is focused exclusively on Africa, while the lack of a physical card further reduces its practicality for the end user.
On this lens Kotani Pay has a strong distinctive trait: it is a non-custodial blockchain wallet accessible via USSD with no internet connection, bringing on-chain access to people excluded from traditional digital infrastructure, a case of financial inclusion hard to replicate. Full KYC remains a concession to compliance, but the self-custody model and smartphone-free access make it crypto-native in spirit.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
What service does Kotani Pay offer?
Kotani Pay is a Crypto Payroll & Remittances service with a bps spread pricing.
What compliance does Kotani Pay hold?
Compliance certifications are not publicly documented.
How much does it cost to integrate Kotani Pay?
Pricing model: a bps spread. Per-unit fees are not published: they depend on volume and contract.
Does Kotani Pay support stablecoins?
Supported stablecoins: USDC, USDT and cUSD.
Who is Kotani Pay for?
Target: B2B. SDKs and integrations are not publicly documented.
Sources
- Official service page Pricing model · Compliance · Volume · Founders · +5 Data verified on Jun 14, 2026
- github.com Sdk languages Data verified on Jun 14, 2026
- pitchbook.com Company type · Investors Data verified on Jun 14, 2026
- rfp.wiki Custody model · Settlement times Data verified on Jun 14, 2026
Show 2 more sources
- weetracker.com Latest funding round Data verified on Jun 14, 2026
- thepaypers.com Processed volume · Period volume Data verified on Jun 13, 2026