gabrieltemtsen/clova-pay-africa
Domain:
digital infrastructureRecord type:
software
Creator:
gab
Host:
# Clova Pay Africa
Open-source crypto → local fiat offramp infrastructure for Africa.
- Accept crypto stablecoins on multiple chains
- Settle local fiat across **9 African + global corridors** via Paycrest
- Agent-native pay-per-call API via **x402**
- Liquidity providers earn fees on every settlement
## Supported Corridors
| Country | Currency | Mobile Money | Banks |
|---------|----------|-------------|-------|
| 🇳🇬 Nigeria | NGN | OPay, PalmPay, Moniepoint | Access, GTBank, Zenith, UBA, First Bank + 25 more |
| 🇰🇪 Kenya | KES | M-PESA (`SAFAKEPC`), Airtel | Equity, KCB, ABSA, Cooperative + 30 more |
| 🇬🇭 Ghana | GHS | MTN MoMo, Vodafone Cash, AirtelTigo | GCB, Ecobank, Zenith, ABSA + 25 more |
| 🇺🇬 Uganda | UGX | MTN Mobile Money, Airtel Money | — |
| 🇹🇿 Tanzania | TZS | Tigo Pesa, Airtel Money, Halopesa | CRDB, NMB, Equity, KCB + 50 more |
| 🇲🇼 Malawi | MWK | TNM Mpamba | National Bank, Standard Bank, FDH + more |
| 🇧🇷 Brazil | BRL | Pix, PixQR | — |
> **Note:** XOF (West Africa CFA) and INR (India) corridors are pending Paycrest provider onboarding.
## Supported Chains / Tokens
| Chain | Token | Notes |
|-------|-------|-------|
| Celo | cUSD | Paycrest deposit address per order |
| Base | USDC | Paycrest deposit address per order |
| Stacks | USDCx | Clarity contract; orderId in memo |
## App (End-user UI)
This repo includes a real web app that renders the offramp UX at:
- **`/app`** — stablecoin → fiat checkout flow (MiniPay supported for cUSD on Celo)
Code: `apps/web`
## Core Flow
1. **Quote** — `POST /v1/quotes` with asset, amount, and destination currency
2. **Order** — `POST /v1/orders` with recipient bank/mobile details — returns a deposit address
3. **Deposit** — User sends crypto to the deposit address
4. **Settlement** — Chain watcher confirms deposit; Paycrest routes payout to recipient
5. **Webhook** — `POST /v1/webhooks/paycrest` updates final status
## API Reference
### Public (no auth)
- `GET /health`
- `POST /v1/webhooks/paycrest` …