Fiatsend Overview

Fiatsend is a payments-first mobile money platform powered by web3 rails. Built on stablecoins running on Lisk Mainnet, Fiatsend enables businesses and individuals to send, receive, and convert digital currency to and from mobile money — with Ghana as the primary market. The platform operates on a B2B2C model: businesses integrate Fiatsend to power reliable local payments for their customers, agents, and merchants.

Whether you are an engineer building on the Fiatsend API, a compliance officer evaluating the platform's KYC tiers, or a partner exploring integration, these docs will walk you through everything you need to get started.

Core Capabilities

Capability	Description
Local Payments	Send and receive payments via mobile money providers like MTN Mobile Money, Telecel Cash, and AirtelTigo in Ghana.
Stablecoin Conversion	Convert between stablecoins (USDC, USDT, DAI, and more) and local currency (GHS) with transparent fees.
GHSFIAT Stablecoin	Fiatsend's native GHS-pegged stablecoin for on-chain local currency settlement. Learn more →
MobileNumber NFT	An encrypted, privacy-preserving NFT tied to the user's phone number, used for identity and tiered access control. Learn more →
QR / Scan-to-Pay	Merchants and agents accept payments instantly through QR code scanning in the FiatsendOne app.
Payout to Mobile Money	Settle funds directly to mobile money wallets across supported providers and countries.
Bulk Disbursements	Businesses can send payments to multiple recipients in a single batch — ideal for payroll and supplier payments.

Who These Docs Are For

• Engineers — Integrate the Fiatsend API into your application, understand the smart contract architecture, or build on top of Fiatsend's infrastructure.
• Compliance & Operations — Review KYC tier requirements, transaction limits, fee structures, and supported corridors.
• Partners & Businesses — Evaluate Fiatsend's coverage, use cases, and B2B2C integration model for your payment needs.

Architecture Overview

At a high level, the Fiatsend platform follows this flow:

┌──────────────┐     ┌──────────────┐     ┌─────────────────────────┐     ┌──────────────────────┐
│ FiatsendOne  │────▶│  Fiatsend    │────▶│  Lisk Mainnet Smart     │────▶│  Mobile Money         │
│  App / API   │     │  Backend     │     │  Contracts              │     │  Providers            │
│              │     │             │     │  (FiatsendGatewayV2)    │     │  (MTN, Telecel, etc.) │
└──────────────┘     └──────────────┘     └─────────────────────────┘     └──────────────────────┘

1. FiatsendOne App — The primary user-facing application available at app.fiatsend.com. Users authenticate via wallet-based login (Privy) with JWT sessions.
2. Fiatsend Backend — The backend handles authentication, transaction orchestration, KYC management, and API routing.
3. Lisk Mainnet Smart Contracts — The FiatsendGatewayV2 contract (UUPS upgradeable, built with Hardhat) manages on-chain stablecoin operations including conversions, GHSFIAT minting/redemption, and MobileNumber NFT issuance.
4. Mobile Money Providers — Final settlement happens through local mobile money networks (MTN Mobile Money, Telecel Cash, AirtelTigo in Ghana).

info

Fiatsend uses Lisk Mainnet as its blockchain layer. All on-chain operations — stablecoin transfers, GHSFIAT minting, and MobileNumber NFT issuance — happen on Lisk.

Quick Links

Section	What You'll Find
Coverage	Supported countries, mobile money providers, and operation status
Supported Stablecoins	All stablecoins available on the platform
Fees & Limits	Transaction fees, KYC tier limits, and settlement timing
GHSFIAT Stablecoin	Deep dive into Fiatsend's native GHS-pegged stablecoin
MobileNumber NFT	Identity, tiers, and privacy-preserving NFT design
FiatsendOne	The primary app for users, agents, and merchants
Use Cases	How merchants, agents, consumers, and businesses use Fiatsend

Getting Started

If you're a developer, start with the FiatsendOne product overview, then explore Supported Stablecoins and Fees & Limits to understand the platform mechanics.