USDT and USDC to Kenyan shilling (KES), and KES 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 0.15%
Convert USDT and USDC to KES, and KES to stablecoins
JET quotes both directions on every pair: buy the stablecoin with KES (on-ramp) or sell it for KES 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 | KES → USDT | USDT → KES | from 0.15% (15 bps) |
| USDC Circle, US dollar | KES → USDC | USDC → KES | from 0.18% (18 bps) |
| EURC Circle, euro | KES → EURC | EURC → KES | from 0.16% (16 bps) |
| USDG Paxos, US dollar | KES → USDG | USDG → KES | from 0.17% (17 bps) |
| PYUSD Paxos, US dollar | KES → PYUSD | PYUSD → KES | from 0.18% (18 bps) |
How KES on- and off-ramps work on JET
- Pay in KES. Send KES 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 KES 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 KES ramps
- Exchanges and fintechs offering their users a KES on-ramp and off-ramp without building local banking in Kenya.
- Importers and exporters paying or collecting in KES while holding working capital in dollar stablecoins.
- Remittance companies and PSPs settling KES corridors on stablecoin rails, with a full audit trail on every payment.
- Treasuries moving between KES and USDT or USDC on demand, with no volume minimum.
Frequently asked questions
How do I convert USDT to KES?
Send USDT to your JET account, choose KES and the recipient's local bank account or mobile money wallet in Kenya. JET sells the USDT at the best available rate and pays out KES the same business day. Indicative cost from 0.15%.
What is the USDT to KES rate today?
JET quotes a live USDT to Kenyan shilling (KES) 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 0.15%.
Can I withdraw USDT or USDC to a bank account in Kenya?
Yes. JET pays out KES to a local bank account or mobile money wallet, so the stablecoin ends up as Kenyan shilling in the recipient's account the same business day.
How do I buy USDT with KES?
Open a JET account, pay in KES 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 0.15%.
Is there an API for a KES on-ramp and off-ramp?
Yes. Exchanges, wallets and fintechs connect to the JET API (webhooks and a sandbox included) to offer KES to USDT and USDC and back to their own users, and JET's engineers build the integration with you. Indicative cost for USDC from 0.18%.
What does a KES to USDT or USDC conversion cost?
Indicatively from 0.15% 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.