Open the app

Any token. Any wallet. Any chain. Direct to Kenyan shillings.

Start in your own crypto wallet. End with shillings on M-Pesa or in your bank.

Open the app

In short

Crypto in. Shillings out. Shillings in. Crypto out.

Any token. Any wallet. Any chain. Locked in. Until it’s paid out.Direct to Kenyan shillings.Paid out. Then released.

Your crypto goes into the lock. Converted if needed.The lock closes before any shillings move.A verified merchant pays your M-Pesa or bank. Sargo never holds your shillings.You confirm, and the crypto goes to the merchant. Not paid? Don’t confirm. Disputes go to review.

Your crypto locks first. The merchant pays your M-Pesa or bank, never through the lock. You confirm, and the crypto goes to the merchant.

Any token. Any wallet. Any chain.

  1. Any token. Any wallet. Any chain.

    Your crypto goes into the lock. Converted if needed.

  2. Locked in. Until it’s paid out.

    The lock closes before any shillings move.

  3. Direct to Kenyan shillings.

    A verified merchant pays your M-Pesa or bank. Sargo never holds your shillings.

  4. Paid out. Then released.

    You confirm, and the crypto goes to the merchant. Not paid? Don’t confirm. Disputes go to review.

Try it with your number Illustrative

I want KSh 32,500.

You send crypto + feeYou receive crypto − fee

In the app: Withdraw / Deposit

  1. 01Choose your shillings.Say what you want to pay.
  2. 02Pick a verified merchant’s offer.Merchants set their own rates. Sargo never marks them up.
  3. 03Cash out or cash in.You pay the fee. Shown before you confirm.
  4. 04Now do it for real.Open the app
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40.99 million one-month active M-PESA customers in Kenya.

Source: Safaricom PLC results, 6 May 2026 (year to 31 March 2026).

Kenya already moves money by phone.

Posted offers · Illustrative

Every merchant sets their own rate.

MerchantNairobi ID verified

KSh 129.40

for each $1 of crypto

M-PesaBank Illustrative
MerchantMombasa ID verified

KSh 128.90

for each $1 of crypto

Bank Illustrative
MerchantKisumu ID verified

KSh 129.75

for each $1 of crypto

M-Pesa Illustrative
MerchantNakuru ID verified

KSh 129.10

for each $1 of crypto

M-PesaBank Illustrative

Sargo does not promise order flow or merchant earnings.

For merchants

Your keys.

We never ask for your recovery phrase, private key, PIN or banking password.

Your shillings.

They go account to account. Sargo never holds them.

Your say.

You pay the fee, shown before you confirm. We never mark up the merchant’s rate.

Make it shillings. Make it crypto.

Open the app For merchants .

Questions.

What if the merchant doesn’t pay?

Don’t confirm. Once the order’s deadline passes you can raise a dispute. It is submitted for review, and the crypto stays in escrow meanwhile. Each order shows its own deadline.

Where do my shillings go?

When you cash out, the merchant sends your shillings to the M-Pesa or bank account you choose for the order. They go account to account; Sargo never holds them. Check your balance, and confirm only when the money has arrived. Escrow then releases the crypto to the merchant.

Do I need a new wallet?

Not if you already have a self-hosted wallet: use that. If your crypto is on an exchange account, move it to a wallet you control first. Connecting a wallet does not give Sargo your private key. We never ask for your recovery phrase, private key, PIN or banking password. Start with the crypto you hold. If a conversion is needed, it happens before the lock, and you review the order before you confirm.

What will my conversion cost?

You pay the fee, and it is shown before you confirm. When you cash out, it is added to the crypto you send. When you cash in, it comes out of the crypto you receive. Merchants independently set their own rates. Sargo does not set the rate or take a spread. Payment-provider, network and conversion-route charges may also apply. See fees and payment instructions.

Can I buy crypto with KES too?

Yes. That is cash in. Say what you want to pay in shillings and pick a merchant’s offer. The merchant locks the crypto first. Then you pay their M-Pesa or bank account; they confirm, and it releases to you.

Who sets the merchant’s rate?

Merchants independently set their own rates. Sargo does not set the rate or take a spread. Sargo does not promise order flow or merchant earnings.

What if a payment is disputed?

Where the merchant’s bank supports it, the merchant provides evidence from their own account, using Sargo Verifier; otherwise the order goes to manual review. The proof is tied to the order and submitted for review; escrow then follows the order’s rules. Keep your order details and payment records, and never confirm on the strength of a payment screenshot alone.

Who is Sargo?

Sargo Ltd, a company registered in England and Wales (no. 15206415).

All questions