MerchantNairobi ID verified
KSh 129.40
for each $1 of crypto
M-PesaBank Illustrative
Any token. Any wallet. Any chain.
Locked in escrow. Your crypto waits here until you confirm.
In short
Crypto in. Shillings out. Shillings in. Crypto out.
The network Illustrative
A network of verified merchants.
They compete on their rates. You choose.
How a cash out works
How it works.
-
Pick a verified merchant’s offer.
Each sets their own rate.
-
Your crypto locks in escrow.
Before any shillings move.
-
The merchant pays your M-Pesa or bank.
Sargo never holds your shillings.
-
You confirm. The crypto is released.
Check your own account first.
Not paid? Don’t confirm. Disputes are settled by merchant proof.
Cash in? Same steps, the other way round: the merchant’s crypto locks first, then you pay.
Try it with your number Illustrative
I wantI pay KSh 32,500.
Illustrative. Try your own number.
≈ $251.16 of crypto + fee≈ $251.16 of crypto − fee
at 129.40, set by the merchant · Illustrative
Tap an offer to choose it.
New orderIllustrative
Offerseach rate set by the merchant
You send Illustrative
≈ $251.16 of crypto + fee
from your wallet
Your crypto goes into escrow first
You get
KSh 32,500
on your M-Pesa
You pay
KSh 32,500
to the merchant’s M-Pesa or bank
Pay once their crypto is in escrow
You get Illustrative
≈ $251.16 of crypto − fee
in your wallet
Fee shown before you confirm.
Kenya already moves money by phone.
40.99 million one-month active M-PESA customers in Kenya.
Source: Safaricom PLC results, 6 May 2026 (year to 31 March 2026).
Posted offers · Illustrative
Every merchant sets their own rate.
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
MerchantEldoret ID verified
KSh 129.55
for each $1 of crypto
M-Pesa Illustrative
Yours?
Post an offer at your rate.
For merchantsSargo does not promise order flow or merchant earnings.
For merchantsYour 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.
Join the network. Or grow it.
For you · cash out or in
Open the appFor merchants · set your rate
Start as a merchantID verification comes before your first offer. Sargo does not promise order flow or merchant earnings.
Questions.
What if the merchant doesn’t pay?
Don’t confirm. Once the order’s deadline passes you can raise a dispute. The merchant must prove the payment with their bank’s records, and the crypto stays in escrow until then.
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.
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.
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?
Disputes are settled by merchant proof. The merchant proves the payment from their own bank’s records, using Sargo Verifier, and the crypto stays in escrow until it’s settled. The proof is tied to the order. 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).