USDT and USDC to Cedi (GHS), and GHS to USDT- Pay-in (on-ramp)
- Local bank transfer or mobile money
- Payout (off-ramp)
- Local bank account or mobile money wallet
- Local settlement
- Same day (T+0)
- Indicative cost
- from 0.16%
Convert USDT and USDC to GHS, and GHS to stablecoins
JET quotes both directions on every pair: buy the stablecoin with GHS (on-ramp) or sell it for GHS and withdraw to a bank account (off-ramp). Routing compares several liquidity providers on every conversion, so the rate is the best available at the time, not a single broker's spread.
| Stablecoin | On-ramp | Off-ramp | Indicative cost |
|---|---|---|---|
| USDT Tether, US dollar | GHS → USDT | USDT → GHS | from 0.17% (17 bps) |
| USDC Circle, US dollar | GHS → USDC | USDC → GHS | from 0.16% (16 bps) |
| EURC Circle, euro | GHS → EURC | EURC → GHS | from 0.17% (17 bps) |
| USDG Paxos, US dollar | GHS → USDG | USDG → GHS | from 0.15% (15 bps) |
| PYUSD Paxos, US dollar | GHS → PYUSD | PYUSD → GHS | from 0.18% (18 bps) |
How GHS on- and off-ramps work on JET
- Pay in GHS. Send GHS by local bank transfer or mobile money. Each pay-in is matched to your account automatically.
- Convert. JET converts at the best available rate and credits USDT, USDC or another supported stablecoin to your JET account or to your own wallet, usually within minutes.
- Pay out or hold. Hold the stablecoins, send them on, or reverse the route: sell USDT or USDC for GHS and pay out to a local bank account or mobile money wallet the same business day.
Across Africa JET pays out to local bank accounts and, in 14 markets, straight to mobile money wallets, so recipients without a bank account are reached too.
Who uses GHS ramps
- Exchanges and fintechs offering their users a GHS on-ramp and off-ramp without building local banking in Ghana.
- Importers and exporters paying or collecting in GHS while holding working capital in dollar stablecoins.
- Remittance companies and PSPs settling GHS corridors on stablecoin rails, with a full audit trail on every payment.
- Treasuries moving between GHS and USDT or USDC on demand, with no volume minimum.
Frequently asked questions
How do I convert USDT to GHS?
Send USDT to your JET account, choose GHS and the recipient's local bank account or mobile money wallet in Ghana. JET sells the USDT at the best available rate and pays out GHS the same business day. Indicative cost from 0.17%.
What is the USDT to GHS rate today?
JET quotes a live USDT to Cedi (GHS) rate at the moment you convert, taken from the best of several liquidity providers, and shows it with the fee before you confirm. The all-in cost on top of the market rate is indicatively from 0.17%.
Can I withdraw USDT or USDC to a bank account in Ghana?
Yes. JET pays out GHS to a local bank account or mobile money wallet, so the stablecoin ends up as Ghanaian cedi in the recipient's account the same business day.
How do I buy USDT with GHS?
Open a JET account, pay in GHS by local bank transfer or mobile money and choose USDT as the target. JET converts at the best available rate and credits USDT to your JET account or your own wallet, usually within minutes. Indicative cost from 0.17%.
Is there an API for a GHS on-ramp and off-ramp?
Yes. Exchanges, wallets and fintechs connect to the JET API (webhooks and a sandbox included) to offer GHS to USDT and USDC and back to their own users, and JET's engineers build the integration with you. Indicative cost for USDC from 0.16%.
What does a GHS to USDT or USDC conversion cost?
Indicatively from 0.16% all in (FX and fees), depending on volume and corridor. The rate is shown before you confirm. There is no required volume minimum and no minimum fee. Your price is confirmed in your client agreement.
Do I need to understand crypto to use it?
No. You can send and receive ordinary currency at both ends and let stablecoins be the rail in between, or hold USDT and USDC in a JET account if that is what you want.