The short answer
Send your USDC or USDT on the Avalanche C-Chain network to your AutoPayKe address, then tap Withdraw → M-Pesa. The deposit arrives in seconds and the M-Pesa payout usually lands within minutes, with the shilling amount and fee shown up front.
Step by step
- 1
Create your AutoPayKe account
Sign up at autopayke.com with your Kenyan phone number and a 6-digit code. Your own smart contract wallet on Avalanche is created automatically.
- 2
Copy your deposit address
Open Receive (or Wallet) and copy your address. It starts with 0x and is yours alone, deposits to it are free.
- 3
Send USDC or USDT on Avalanche C-Chain
From your exchange or wallet, withdraw USDC or USDT to that address and pick Avalanche C-Chain as the network. It shows in your balance as soon as the transfer confirms, usually in seconds.
- 4
Withdraw to M-Pesa
Tap Withdraw, choose M-Pesa, enter the number, yours or anyone's, and the amount. The review screen shows the Kenyan shilling amount, the rate and the fee before you confirm with your PIN.
- 5
Watch it land
The app shows each step live and sends a push notification when the money reaches M-Pesa, usually within minutes. The receipt shows the real recipient's number and name.
Which networks work
| Network | USDC | USDT | Reaches AutoPayKe? |
|---|---|---|---|
| Avalanche C-Chain | Yes | Yes | Yes: use this one |
| Ethereum (ERC-20) | Yes | Yes | No: withdraw on Avalanche instead |
| Tron (TRC-20) | - | Yes | No: withdraw on Avalanche instead |
| BNB Chain, Solana, Polygon, Base | Varies | Varies | No: withdraw on Avalanche instead |
Other ways to use your stablecoins in Kenya
- Withdraw to any of 40 Kenyan banks, microfinance banks and SACCOs over PesaLink.
- Pay any M-Pesa Till or PayBill (rent, school fees, utilities, shops) straight from your balance.
- Send to any phone number in Kenya, Ghana or Uganda; people not on AutoPayKe get a claim link.
- Keep it in USDC or USDT in your own wallet and cash out later.
Frequently asked questions
Can I send USDT on TRC-20 (Tron) to AutoPayKe?
No. AutoPayKe receives USDC and USDT on Avalanche C-Chain only. USDT sent on Tron, Ethereum, BNB Chain, Solana or any other network will not arrive. Most exchanges let you choose Avalanche C-Chain when you withdraw, convert or withdraw there first.
How long does USDC to M-Pesa take?
The deposit confirms on Avalanche in seconds. An M-Pesa withdrawal usually completes within minutes, at any hour, and you can follow every step live in the app.
What is the minimum and maximum?
You can withdraw from KES 10. Each M-Pesa withdrawal can be up to KES 150,000, within your own M-Pesa account limits. For larger amounts, withdraw to a Kenyan bank over PesaLink.
What rate do I get?
You see the live USDC-to-KES rate and the cash-out fee on the review screen before you confirm, and that is what you get. Our published prices are public at api.autopayke.com/api/v1/fees/published.
Do I need AVAX for gas?
No. Gas inside AutoPayKe is sponsored, so you never need to hold AVAX to withdraw or send. Your exchange pays the network fee for the deposit.
Is this a P2P trade?
No. There's no counterparty to find or trust and no escrow chat: you withdraw from your own wallet to M-Pesa at the price shown, like any other payment.
Can I withdraw to someone else's M-Pesa number?
Yes. Enter any Kenyan M-Pesa number. The receipt and your history show the real recipient's number and name. There is no recipient-name check before you confirm, so double-check the number.