# Sell USDT to M-Pesa — Kenyan shillings in minutes, 24/7

> Convert USDT, USDC or BTC into Kenyan shillings sent to M-Pesa, 24/7, usually in under 5 minutes. KES 100 minimum, KES 150,000 per transaction, spread from 0.90%.

Canonical: https://fiatside.com/en/sell-usdt-for-kes-mpesa · Fiatside · Updated 2026-09-25

**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.

**[Quote USDT → M-Pesa](https://fiatside.com/en/calculator)**

## 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.

**[Get my M-Pesa quote](https://fiatside.com/en/calculator)**

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