Cowrie Research

cashramp

3 min read

Cashramp

  • Name: Cashramp
  • URL: https://cashramp.co/
  • Category: African payments-and-stablecoin settlement control plane
  • Tags: ethereum-ecosystem
  • Summary: Cashramp is a regional African money-movement operator that connects local rails to stablecoin settlement. The important layer is not onramp branding. It is control over country coverage, agent admission, quote flow, KYC state, webhook state, and local payout execution.
  • What it does:
    • Operates a peer-to-peer agent network where agents escrow stablecoins, quote local-currency rates, and complete payouts or collections for users
    • Gives businesses three integration surfaces: Hosted Ramp for low-code checkout, Direct Ramp for API-first server-side flows, and Onchain Ramp for wallet or dApp flows
    • Supports local payment rails across African markets including bank transfers and mobile-money methods such as MTN MoMo, M-Pesa, Vodafone Cash, Airtel Money, Orange Money, and Pocket App
    • Exposes a GraphQL API for quotes, deposits, withdrawals, customers, payment methods, transaction queries, and webhook-backed lifecycle handling
    • Lets merchants request virtual USD ACH bank accounts for customers, with KYC and ToS workflows attached to account activation
    • Offers SDKs for NodeJS, Go, and Ruby, while also documenting direct integrations through axios, Python requests, Go net/http, Ruby net/http, and cURL
    • Extends the same settlement layer into onchain wallet flows, with stablecoin deposits and withdrawals designed for dApps, exchanges, games, and other Web3 applications
  • Key claims:
    • The consumer homepage says Cashramp is a peer-to-peer agent network that helps Africans make cross-border payments and access stablecoins for payments, savings, and investments
    • The consumer homepage says Cashramp is available in Ghana, Nigeria, Kenya, South Africa, Cameroon, and Zambia, while the business page lists broader business coverage including NG, GH, ZA, KE, BJ, BF, CM, CF, TD, CG, CD, CI, GQ, GA, MW, NE, SL, TG, UG, and ZM
    • The business page says companies can pay or get paid online by anyone in Africa instantly, and that Cashramp charges a flat 1.5% transaction fee capped at $2 with no setup or maintenance fee
    • The integration guide says Cashramp’s API is built on GraphQL and offers three integration patterns: Hosted Ramp, Direct Ramp, and Onchain Ramp
    • The payment-rails doc says Cashramp supports 10+ African countries and exposes method-specific identifiers for bank-transfer and mobile-money rails across each market
    • The onchain-ramp overview says Cashramp supports direct stablecoin transactions between wallets and local African currencies, including CELO, Optimism, Base, and stablecoins such as USDC, cUSD, and USDT
    • The webhook docs say payment requests progress through states like created, picked_up, completed, and canceled, with signed callback handling for payment updates, onchain withdrawals, and chargebacks
    • The virtual-bank-accounts docs say merchants can request virtual USD ACH bank accounts for customers, with a non-refundable $3 KYC fee and statuses including requested, pending, active, and freezing
    • The SDK page links official NodeJS, Go, and Ruby SDK repositories under the rockets-hq GitHub organization
  • Whitepaper: No canonical standalone Cashramp or Accrue whitepaper/litepaper surfaced in this pass. The clearest current sources of truth were the official consumer site, Accrue Commerce business page, and the Cashramp developer docs; see ../whitepapers/cashramp-primary-sources-2026-05-07.md.
  • Sources:

Internal linkages

Control surface

  • Practical authority sits in country coverage, agent admission, quote selection, local-rail support, KYC-linked account activation, and webhook-governed transaction state.

  • That makes Cashramp a regional settlement-control plane, not a base protocol.

  • The leverage is simple: deciding who gets access to which rail, at what quote, and through which local payout path.

  • Last reviewed: 2026-06-02 UTC

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