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NOXXO Infrastructure

Kenya Opportunity: Payment Flow Proposals

Cross-border payment infrastructure for three Kenya-focused corridors. Two paths available: stablecoin rail (via USDC) or direct fiat-to-fiat. All flows executed via regulated third-party partners.

Client : Kenya Opportunity
Corridors : USA / UK / UAE / EU → Kenya
Status : Proposed
Sender / Payer
NOXXO technology layer (no funds held or controlled)
Beneficiary

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Sender
US Diaspora Payer
Sends USD via card or bank (ACH/wire)
USD
Card 3.5%
Bank 0.75%
Pay-In
NOXXO TECHNOLOGY LAYER
Pay-In
Payment Gateway
Card and bank collection, KYC/AML, fraud checks
USD
via regulated partner
USD → USDC
Included
On-Ramp
USDC Settlement
Fiat to stablecoin, near-instant settlement
USDC
via regulated partner
USDC → KES
2-2.5%
Off-Ramp
USDC → KES
Stablecoin to KES, M-Pesa delivery
KES
via regulated partner
M-Pesa
Instant
Beneficiary
Kenya Recipient
KES received via M-Pesa wallet, instant
KES
Total NOXXO Fee (Stablecoin Rail)
Card: 3.5% + 2-2.5% | Bank: 0.75% + 2-2.5%
Pay-in fee + off-ramp fee. All-in, includes FX.
Card Pay-In
3.5%
Bank Pay-In
0.75%
Off-Ramp
2-2.5%
Fee Breakdown (Stablecoin Rail)
Card Pay-In
3.5%
All-in rate including FX and card processing fees via regulated partner
Bank Pay-In
0.75%
ACH or wire transfer collection including FX via regulated partner
Off-Ramp
2-2.5%
USDC to KES conversion and M-Pesa delivery via regulated partner
Settlement
Near-Instant
M-Pesa delivery in seconds to recipient wallet

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Sender
US Diaspora Payer
Sends USD via bank transfer
USD
Bank Transfer
3.5%
NOXXO TECHNOLOGY LAYER
Pay-In + FX + Pay-Out
USD → KES Direct
Fiat-to-fiat conversion and payout, all-in flat rate. No stablecoin intermediary.
KES
via regulated partner
M-Pesa
Instant
Beneficiary
Kenya Recipient
KES received via M-Pesa wallet, instant
KES
Total NOXXO Fee (Direct Fiat-to-Fiat)
3.5% All-In
Flat rate via bank transfer. Includes FX, collection, and KES payout. No stablecoin intermediary.
All-In Rate
3.5%
Example: $1,000
$35
Fee Breakdown (Direct Fiat-to-Fiat)
All-In Rate
3.5%
Single flat rate covering USD collection, FX conversion, and KES payout via regulated partner
Example: $1,000
$35
3.5% on $1,000 bank transfer
Settlement
Near-Instant
M-Pesa delivery in seconds to recipient wallet
NOXXO Products in Scope
Payment Gateway
Card and bank transfer collection with authorization, fraud checks, and KYC/AML. All via regulated partners.
Embedded On-Ramp
Fiat-to-USDC conversion within the HelloKenya application via regulated partners.
Embedded Off-Ramp
USDC-to-KES conversion with compliant off-ramp to M-Pesa via regulated partners.
Pay-In / Pay-Out Network
Direct fiat-to-fiat corridor (USD to KES) without stablecoin intermediary, via regulated partners.
Embedded Wallets
Smart account wallets for sender and recipient with deposits, withdrawals, KYC, and multi-system recovery.
Card Programmes
White-labeled card programmes with interchange revenue, supporting existing KYC/AML flows.
KYC / KYT / AML
Built-in compliance at every transaction stage. Identity verification, transaction monitoring, and sanctions screening.
Embedded FX
Cross-border FX conversion within the HelloKenya application via regulated partners.

Use Case 01: Notes

  • Primary corridor is USA → Kenya targeting the $5.02B annual diaspora inflow market
  • Two paths available: Stablecoin Rail (USDC bridge for lowest bank pay-in rate) or Direct Fiat-to-Fiat (single flat rate, simpler flow)
  • Card pay-in at 3.5% all-in (includes FX and card processing fees). Bank pay-in at 0.75% (stablecoin rail) or 3.5% all-in (direct fiat-to-fiat)
  • Off-ramp (stablecoin path only) at 2-2.5% converts USDC to KES via a CBK-compliant regulated liquidity provider
  • Final delivery to recipient via Safaricom M-Pesa, with instant funds availability
  • NOXXO provides the full stack: payment gateway, embedded wallets, card programmes, on/off-ramp, embedded FX, and KYC/KYT/AML
  • All financial services are executed by regulated third-party partners. NOXXO provides the technology infrastructure and API integration.

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Sender
Family Payer
Pays via card or bank in GBP, USD, or AED
GBP / USD / AED
Card 3.5%
Bank 0.75%
Pay-In
NOXXO TECHNOLOGY LAYER
Pay-In
Multi-Fiat Collection
GBP, USD, AED collection. KYC/AML integrated.
GBP/USD/AED
via regulated partner
FX → USDC
Included
Settlement
USDC Rail
Near-instant cross-border settlement, compliance integrated
USDC
via regulated partner
USDC → KES
2-2.5%
Off-Ramp
USDC → KES
Stablecoin to KES, dual disbursement
KES
via regulated partner
Dual Payout
Instant / T+1
Patient
M-Pesa Wallet
OOP instant payment to patient wallet
KES
+
Facility
Hospital Bank
SHA T+1 settlement to facility account
KES
Total NOXXO Fee (Stablecoin Rail)
Card: 3.5% + 2-2.5% | Bank: 0.75% + 2-2.5%
Pay-in fee + off-ramp fee. All-in, includes FX.
Card Pay-In
3.5%
Bank Pay-In
0.75%
Off-Ramp
2-2.5%
Fee Breakdown (Stablecoin Rail)
Card Pay-In
3.5%
All-in rate including FX and card processing fees via regulated partner
Bank Pay-In
0.75%
Bank transfer collection (GBP, USD, AED) including FX via regulated partner
Off-Ramp
2-2.5%
USDC to KES conversion and dual disbursement (M-Pesa + bank) via regulated partner
Settlement
OOP Instant / SHA T+1
Patient wallet funded instantly. Facility bank settled T+1.

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Sender
Family Payer
Pays via bank transfer in GBP, USD, or AED
GBP / USD / AED
Bank Transfer
3.5%
NOXXO TECHNOLOGY LAYER
Pay-In + FX + Pay-Out
Fiat → KES Direct
Multi-fiat to KES conversion and dual payout, all-in flat rate. No stablecoin intermediary.
KES
via regulated partner
Dual Payout
Instant / T+1
Patient
M-Pesa Wallet
OOP instant payment to patient wallet
KES
+
Facility
Hospital Bank
SHA T+1 settlement to facility account
KES
Total NOXXO Fee (Direct Fiat-to-Fiat)
3.5% All-In
Flat rate via bank transfer. Includes FX, collection, and KES dual payout. No stablecoin intermediary.
All-In Rate
3.5%
Example: $5,000
$175
Fee Breakdown (Direct Fiat-to-Fiat)
All-In Rate
3.5%
Single flat rate covering multi-fiat collection, FX conversion, and KES dual payout via regulated partner
Example: $5,000
$175
3.5% on $5,000 bank transfer
Settlement
OOP Instant / SHA T+1
Patient wallet funded instantly. Facility bank settled T+1.
NOXXO Products in Scope
Payment Gateway
Multi-currency card and bank collection for GBP, USD, AED. Authorization, fraud checks, and KYC/AML via regulated partners.
Embedded On-Ramp
Multi-fiat to USDC conversion within the WinguPay healthcare application via regulated partners.
Embedded Off-Ramp
USDC to KES conversion with dual disbursement to M-Pesa and bank accounts via regulated partners.
Pay-In / Pay-Out Network
Direct fiat-to-fiat corridor without stablecoin intermediary, via regulated partners.
Embedded Wallets
Patient wallets and facility accounts with deposits, withdrawals, KYC, and account management via regulated partners.
Embedded FX
Cross-border FX conversion (GBP/USD/AED to KES or USDC) within the WinguPay application via regulated partners.
KYC / KYT / AML
Built-in compliance at every transaction stage. Identity verification, transaction monitoring, and sanctions screening.

Use Case 02: Notes

  • Family payers in the UK, US, and UAE can pay for healthcare services in Kenya using GBP, USD, or AED
  • Two paths available: Stablecoin Rail (USDC bridge) or Direct Fiat-to-Fiat (single flat rate, simpler flow)
  • NOXXO provides the payment infrastructure and embedded wallets for both patient and facility accounts
  • WinguPay's orchestration layer (QR triggers, hospital mapping, smart contract validation) sits on top of NOXXO's infrastructure
  • Dual disbursement: out-of-pocket (OOP) payments land instantly in the patient's M-Pesa wallet, SHA (Social Health Authority) settlements reach facility bank accounts at T+1
  • Healthcare segment addresses the $5.02B diaspora base, targeting the 27M+ SHA-registered population across 13,000+ facilities
  • All financial services are executed by regulated third-party partners. NOXXO provides the technology infrastructure and API integration.

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Buyers
Institutional Buyers
Corporate, government, ESG investors (USA, EU, UAE)
USD / EUR / AED
Card 3.5%
Bank 0.75%
Pay-In
NOXXO TECHNOLOGY LAYER
Pay-In
Multi-Fiat Collection
USD, EUR, AED collection with FX routing optimization
USD/EUR/AED
via regulated partner
FX → Stable
Included
Settlement
Dual Stablecoin Rail
USDC and USDT supported, same-day settlement
USDC / USDT
via regulated partner
Stable → KES
2-2.5%
Off-Ramp
Stablecoin → KES
Fiat conversion, triple disbursement
KES
via regulated partner
KES Payout
Same-Day
40% Distribution
Government Accounts
Projects, renewable energy
KES
+
40% Distribution
Project Developers
Community, renewable energy, resilience
KES
+
20% Distribution
Kenya Climate Trust
Long-term investment, capital and resilience
KES
Total NOXXO Fee (Stablecoin Rail)
Card: 3.5% + 2-2.5% | Bank: 0.75% + 2-2.5%
Pay-in fee + off-ramp fee. All-in, includes FX. 1-2% savings vs 3-5% legacy banking.
Card Pay-In
3.5%
Bank Pay-In
0.75%
Off-Ramp
2-2.5%
Fee Breakdown (Stablecoin Rail)
Card Pay-In
3.5%
All-in rate including FX and card processing fees via regulated partner
Bank Pay-In
0.75%
Institutional bank transfer (USD, EUR, AED) including FX via regulated partner
Off-Ramp
2-2.5%
Stablecoin to KES conversion and triple disbursement via regulated partner
Comparative Savings
1-2% vs Legacy
NOXXO total cost vs 3-5% legacy banking for the same corridor

← scroll to view full flow →

Buyers
Institutional Buyers
Corporate, government, ESG investors (USA, EU, UAE)
USD / EUR / AED
Bank Transfer
3.5%
NOXXO TECHNOLOGY LAYER
Pay-In + FX + Pay-Out
Fiat → KES Direct
Multi-fiat to KES conversion and triple disbursement, all-in flat rate. No stablecoin intermediary.
KES
via regulated partner
KES Payout
Same-Day
40% Distribution
Government Accounts
Projects, renewable energy
KES
+
40% Distribution
Project Developers
Community, renewable energy, resilience
KES
+
20% Distribution
Kenya Climate Trust
Long-term investment, capital and resilience
KES
Total NOXXO Fee (Direct Fiat-to-Fiat)
3.5% All-In
Flat rate via bank transfer. Includes FX, collection, and KES triple disbursement. No stablecoin intermediary.
All-In Rate
3.5%
Example: $100k
$3,500
Fee Breakdown (Direct Fiat-to-Fiat)
All-In Rate
3.5%
Single flat rate covering multi-fiat collection, FX conversion, and KES triple disbursement via regulated partner
Example: $100,000
$3,500
3.5% on $100k bank transfer
Settlement
Same-Day
KES distributed across all three channels same-day
NOXXO Products in Scope
Payment Gateway
Institutional multi-currency collection for USD, EUR, AED. Authorization and compliance via regulated partners.
Embedded On-Ramp
Multi-fiat to USDC/USDT conversion with FX routing optimization via regulated partners.
Embedded Off-Ramp
Stablecoin to KES conversion with programmable triple disbursement via regulated partners.
Pay-In / Pay-Out Network
Direct fiat-to-fiat corridor without stablecoin intermediary, via regulated partners.
Virtual Named Accounts
Treasury and trust accounts for government, project developer, and climate trust disbursement channels.
Embedded FX
Cross-border FX conversion (USD/EUR/AED to stablecoin or KES) within the carbon exchange platform via regulated partners.
KYC / KYT / AML
Institutional-grade compliance, sanctions screening, and transaction monitoring across all disbursement channels.

Use Case 03: Notes

  • Global institutional buyers (corporate, government, ESG investors) purchase carbon credits from the Kenya Carbon Exchange
  • Two paths available: Stablecoin Rail (USDC/USDT dual rail) or Direct Fiat-to-Fiat (single flat rate)
  • Off-ramp converts stablecoin or fiat to KES with triple disbursement: 40% to government accounts, 40% to project developers, 20% to the Kenya Climate Trust
  • Total NOXXO cost of 2.75-3.25% (bank + stablecoin) or 3.5% (direct) compares to 3-5% legacy banking fees for the same cross-border corridor
  • Annual flow projection: $100M (Year 1) scaling to $400M+ (Year 5+), with total 10-year flow projection of $1B-$4.25B
  • MRV (Measurement, Reporting, Verification) checkpoint and blockchain registry entry are handled by the Kenya Carbon Exchange platform, not NOXXO
  • All financial services are executed by regulated third-party partners. NOXXO provides the technology infrastructure and API integration.
Next Steps
01
Flow Confirmation
Confirm acceptance of the proposed corridors, paths (stablecoin rail or direct fiat-to-fiat), and fee structures across all three use cases.
02
KYC / KYB Onboarding
Submission of required compliance documentation for account activation across all entities.
03
Technical Integration
API integration planning and sandbox environment setup for each use case.
04
Service Agreements
Execution of the NOXXO Service Order Form (SOF), master services agreement, and agreements with the regulated partners facilitating the payment flows.
CONFIDENTIAL
NOXXO LTD (NOXXO) provides technology infrastructure only and does not offer regulated financial services or handle funds. NOXXO does not accept, transmit, hold, safeguard or control funds or other assets. All financial services are provided by third-party institutions that are duly licensed or regulated in their applicable jurisdictions. Nothing on this website constitutes, or should be relied upon as, an offer, solicitation or promotion of financial services in any jurisdiction.