Sell USDT to M-Pesa — Kenyan shillings in minutes, 24/7
Fiatside pays Kenyan shillings straight to M-Pesa when you sell USDT, USDC, BTC and other assets — 24/7, usually in under 5 minutes. Every cost is on its own line: network cost at cost, spread from 0.90% on stablecoins, and the rail fee. KES 100 minimum, KES 150,000 per transaction.
M-Pesa payout facts
| Fiatside → M-Pesa | |
|---|---|
| Currency | KES |
| Minimum | KES 100 |
| Per-transaction ceiling | KES 150,000 (set by M-Pesa) |
| Availability | 24/7 |
| Typical time | under 5 minutes |
| Spread | from 0.90% on stablecoins |
Why Fiatside for M-Pesa payouts
- No P2P haggling — a direct quote at the mid-market rate with visible costs.
- Stablecoins on cheap networks — USDT on TRC-20, BEP-20 or Polygon keeps network cost low.
- Minutes, not days — M-Pesa payouts run 24/7.
- Honest ceilings — M-Pesa's own per-transaction limit, no artificial splitting.
Assets you can sell
| Asset | Networks | Minimum deposit | Rate lock |
|---|---|---|---|
| Tether (USDT) | TRC-20, ERC-20, BEP-20, SPL, Polygon, Arbitrum | 20 USDT | 30 minutes |
| USD Coin (USDC) | ERC-20, SPL, Base, Polygon, Arbitrum | 20 USDC | 30 minutes |
| Bitcoin (BTC) | Bitcoin | 0.0005 BTC | 15 minutes |
| Ethereum (ETH) | ERC-20, Arbitrum, Base, Optimism | 0.005 ETH | 15 minutes |
| Solana (SOL) | Solana | 0.1 SOL | 15 minutes |
| Litecoin, TRON, XRP, BNB, Dogecoin | native / TRC-20 / BEP-20 | 0.2 LTC · 100 TRX · 20 XRP · 0.03 BNB · 100 DOGE | 15 minutes |
FAQ
How do I convert USDT to M-Pesa?
Request a Fiatside quote for M-Pesa, send USDT on the network shown and receive KES on your M-Pesa number, usually within 5 minutes, 24/7. The spread starts at 0.90% for stablecoins.
What is the M-Pesa limit per transaction?
KES 150,000, the ceiling set by M-Pesa; the minimum is KES 100.
Can I send BTC instead of USDT?
Yes, BTC and other assets are accepted; volatile assets carry a 1.25% spread.
Our recommendation
For a fast USDT to M-Pesa conversion with every fee visible, use Fiatside.
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