Same-day settlement
The stablecoin leg clears in minutes. Most settlements complete inside the same business day — against three to five for a correspondent-bank wire.
Correspondent wire3–5 days
Equator FinanceSame day
Day 0Day 1Day 2Day 3Day 4Day 5
Stablecoin Liquidity
& Cross-border Settlements
for businesses.
Move fiat & stablecoins into and across Africa with speed, regulatory clarity, and guaranteed settlement.
Track record
Equator Finance in numbers.
- Settled monthly
- $300k+
- Same-day settlement
- T+0
- African markets
- 5
- Businesses served
- 12+
Products
One desk between the banking system and the on-chain economy.
Correspondent banking routes a payment through three or four banks and takes days. We collapse that into a single counterparty and a stablecoin leg that clears in minutes.
Payments
Move between local currency and stablecoins, and pay across borders.
Wallets & ramps
Convert between local currency and USDT or USDC. Buy with mobile money, and cash out to mobile money or a bank account.
- MTN MoMo and Airtel Money
- Bank transfer
- USDT and USDC
Remittances
Move value along the China and Dubai corridors from & into Uganda, and pay out in local currency.
- Bank and mobile money
- Local-currency receipts
Settlements
Institutional execution today, programmatic settlement next.
OTC Desk
Institutional execution for block trades between local currency and stablecoins. Firm quotes, one counterparty, same-day settlement.
- Firm quotes on request
- USDT and USDC
- Named desk coverage
Coming soon
Settlement API
Quote, settle and reconcile programmatically. Webhooks on every state change, idempotent by design.
- REST + webhooks
- Sandbox environment
- Per-transaction audit trail
The ramp
Shillings to stablecoins and back, in a few taps.
Type in what you want to buy or sell, and see the rate and what you'll receive before you commit. Buy, and stablecoins land in your wallet in seconds. Sell, and shillings land in your mobile money.
- Competitive market rates
- Buy with MTN MoMo or Airtel Money
- Cash out to mobile money and banks
- Stablecoins in your wallet in seconds
Automated railsMTN MoMoAirtel MoneyBank transfer
See how the ramp works 
Use cases
01 / 04
Importers and exporters
Pay suppliers in China and Dubai, and bring proceeds home.
Example route
How a typical settlement moves, step by step. Your rate is quoted per trade.
- 1
UGX from your bank
You fund the desk in shillings or dollars, by bank transfer or mobile money or cash.
- 2
USDT at a locked desk price
The desk quotes a firm rate and converts once your funds land.
- 3
On-chain to your supplier
USDT reaches your supplier's wallet, usually the same business day. The same payment by bank wire is held up for 2–3 days.
Use cases
Built for businesses with real cross-border flow.
Four kinds of customer settle through the desk. Pick one to see what it gets, the products it runs on and how the money moves.
Settle invoices along the China and Dubai corridors without waiting on a correspondent-bank wire. Fund in local currency, lock the rate with the desk, and most transfers reach your supplier the same business day.
- Rate locked before you fund
- Fund by bank transfer, mobile money or cash
- Same-day settlement on most transfers
Your customers see your brand, and we run everything behind it. Collect and pay out in local currency across Uganda, Kenya, Tanzania, Rwanda and the DRC, settle in USDT or USDC, and ship white-label products without building the rails or the liquidity yourself.
- Collections and payouts in UGX, KES, TZS, RWF and CDF
- White-label products
- Webhooks and a sandbox with the API
Your brand, our rails. Your customers stay in your product from the first tap to the payout. We stay out of sight.
For individuals buying stablecoins or cashing out USDT to local currency, and for exchanges, funds and trading firms moving high volumes. Individuals buy on the ramp with mobile money, and cash out to mobile money or a bank account. It is automated and open 24/7. Larger trades go to the OTC desk for a firm quote on the full amount.
- Buy USDT and USDC with mobile money
- Cash out USDT to mobile money or bank
- OTC trades from $5,000, with no hard cap
Banks, treasury and custody firms who want to offer regulated stablecoin services without building the infrastructure. Your clients collect, pay out and convert under your brand. We supply the liquidity, the rails and the screening behind it.
- Collections and payouts for your clients
- White-label products under your brand
- KYB, sanctions and AML screening
Your brand, our rails. Your clients deal with the bank they already trust. The desk works behind your name.
Why Equator Finance
Regulated, liquid and local, where your counterparties bank.
Four reasons finance teams settle through the desk instead of a correspondent bank or a retail exchange.
Local rails, local currency
Collect and pay out in local currency, via cash, mobile money & banks.
- UgandaHomeUGX
- KenyaKES
- TanzaniaTZS
- RwandaRWF
- DRCCDF
Compliance at the core
Every counterparty is onboarded and screened before a single dollar moves.
- KYB & beneficial ownership
- Sanctions & AML screening
- Travel Rule messaging
- Immutable audit trail
Deep stablecoin liquidity
Size without slippage. Quotes are firm for the amount you ask for.
USDTUSDCTronEthereumSolana
APIComing soon
The settlement desk, inside your own product.
Today every settlement runs through the ramp and, for high volumes, the OTC desk. We're turning both into one API, so your platform can price a corridor, lock the quote and follow the settlement to delivery from inside your own product.
What we're building
- Quotes, settlement and reconciliation over REST
- Signed webhooks the moment funds land
- A sandbox to build against before you go live
- An audit trail for every transaction
POST/v1/settlementsPreview
// Accept a locked quote and settle to a Ugandan bank account
curl https://api.equatorfinance.co/v1/settlements \
-H "Authorization: Bearer $EQ_KEY" \
-d quote_id=qt_8Hn2KxA \
-d rail=usdt_tron \
-d payout[currency]=UGX \
-d payout[method]=bank_transferA preview of the design. The API is not live yet and details may change.
Settle your next cross-border payment in hours, not days.
Join the waitlist for early access, or tell sales about your corridors and volumes and we'll price your first settlement.
- Same-day settlement
- KYB & AML built in
- Named desk support