Kotani Pay alternative with one USDT wallet, not a balance per currency
Kotani Pay keeps a payout balance per currency. Unigox is a Kotani Pay alternative for companies holding USDT or USDC: every currency is paid from one partner wallet. Stay with Kotani Pay for Paybill, till and bulk payouts.
When to stay with Kotani Pay
You pay tills, Paybills or CSV batches
Kotani Pay sends to M-Pesa till and Paybill numbers in Kenya and pays hundreds or thousands of recipients from one validated CSV file. Each Unigox order is a single payment for one customer verified by Unigox. There is no CSV batch, till or Paybill destination.
Your users cash out cUSD, cKES or sats
Besides USDT and USDC, Kotani Pay's off-ramp takes cUSD, cKES, cGHS, USDGLO, ADA and Lightning payments, on chains from Celo and Stellar to Cardano and Hedera. The Payments API settles in USDT and USDC only.
You collect by card or Capitec Pay
Kotani Pay takes card payments, with 3-D Secure where required, and for South African rand offers Capitec Pay on a hosted checkout page. A customer paying a Unigox collection uses a bank transfer or mobile money.
Kotani Pay's per-currency balances or one partner wallet
| Topic | Kotani Pay | Unigox |
|---|---|---|
| Built for | Apps that move money to and from Africa over mobile money, banks and blockchains: collections, payouts, crypto ramps, payment links and bulk payments. | Companies that keep their money in USDT or USDC and pay out to, or collect from, customers verified by Unigox. |
| Funding a payout | A payout balance per currency, debited when the payout starts and reversed if it fails. You top it up or move money from your deposit balance. The crypto off-ramp needs it funded too. | One USDT or USDC partner wallet funds payouts in every currency. Your server signs each order's transfer into on-chain escrow, and signs the refund back if the payout stops. |
| Money you collect | Credited to a local-currency deposit balance. Moving it out is a settlement request the Kotani Pay team reviews before paying a bank, mobile money wallet or crypto address. Its on-ramp can instead send USDT or USDC to your wallet once the payment confirms. | Released as USDT or USDC into your partner wallet once the customer's local payment is confirmed. |
| Where payouts land | Mobile money on networks including M-Pesa, MTN, Airtel, Vodacom and Wave; bank accounts in Kenya and South Africa only; M-Pesa tills and Paybills in Kenya. | Your customer's own bank or mobile money account, paid by a P2P merchant or a payment business connected to Unigox. Payouts to suppliers and other third parties are offered on supported routes. A quote can be limited to payment businesses. |
| Pricing | A fee on every transaction, set per wallet; amounts not published. Your customer pays it out of the payout, you pay it on top from your wallet, or Kotani Pay invoices you later. | On the quote before you order: rate, Unigox fee, your percentage, total. Your percentage reaches the partner wallet when the order completes; an order that does not complete costs nothing. |
| Regulation | Kotani Pay states that it is a Financial Service Provider authorised and regulated by South Africa's Financial Sector Conduct Authority, FSP number 53594. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove Kotani Pay payouts to Unigox
List your Kotani Pay routes
Name the routes you run on Kotani Pay, such as M-Pesa payouts in Kenya or MTN collections in Ghana, then send your company documents for KYB. API keys come after approval.
Map a withdrawal to a quote and an order
Where your code creates a Kotani Pay customer and a withdrawal, it now verifies the customer, asks for a quote and signs a USDT or USDC transfer. Calls carry an X-API-Key header in place of Kotani Pay's Bearer key; test them on api-staging.unigox.com.
Fund the partner wallet and go live
Top up the partner wallet with USDT or USDC, then switch production calls to api.unigox.com. Keep the Kotani Pay balances that still pay tills, Paybills or CSV batches.
Questions about Kotani Pay alternatives
What does Kotani Pay do for businesses?
It joins an app to mobile money, bank and blockchain rails in African markets. It collects from users, pays them out and converts between local money and crypto, with a payout and a deposit balance per currency. Unigox covers payouts and collections for a company whose own money stays in USDT or USDC.
See the Payments APIHow does Kotani Pay charge for a payout?
Each transaction carries a fee set per wallet, and who pays it changes what arrives. In its docs' example, a 500 KES payout with a 20 KES fee reaches the recipient as 480 when your customer pays the fee. It arrives as 500 when you pay it from your wallet or are invoiced. On collections the fee is added on top.
Which regulator authorises Kotani Pay?
Its compliance page says Kotani Pay is a Financial Service Provider authorised and regulated by South Africa's Financial Sector Conduct Authority, FSP number 53594. The same page describes risk-based KYC on clients and partners, sanctions list screening and ongoing transaction monitoring.
Who are Kotani Pay's competitors for mobile money payouts?
HoneyCoin and Bitnob also pay mobile money and bank accounts from stablecoins in Kenya and other African markets; Fonbnk runs a ramp widget that can also pay out airtime. Unigox fits a company that holds USDT or USDC and pays customers who pass a Unigox identity check.
Read the HoneyCoin comparisonSend us a route you run on Kotani Pay
Give the country, the method (M-Pesa or bank, for example) and the monthly volume. We reply with what the Payments API offers on that route and how a USDT or USDC partner wallet funds it.
Kotani Pay and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.