Your money should travel as easily
as you do.
Send money to friends and family, hold different currencies, pay online with a virtual card, and manage it all from one simple Unipaynet account.
Available on mobile
Ready to receive crypto? Get your personal wallet address and start converting USDT, USDC, and more to local cash in minutes.
As featured in
Banks are built for one country.
Your life isn't.
Clients pay you in dollars. Family back home needs mobile money. Subscriptions need a card that actually works abroad. Savings need a currency that holds its value. Most banks make you juggle a different account for each one — Unipaynet puts all of it in a single account instead.
Get local cash
in minutes
Send USDT, USDC, or PYUSD from your wallet to the Unipaynet app and cash out to mobile money in Uganda, Kenya, Tanzania, or Rwanda.
Download the app to get your wallet address
Available on iOS and Android
USDT
USDC
PYUSD→
UGX
KES
TZS+ moreBanks don't accept crypto
That's why Unipaynet converts your crypto to local cash instantly. No bank rejection, no delays — just cash in your mobile money.
How it works
Wallet Balance
$1,245.00
USDTUSDCPYUSDBanks don't accept crypto
→ Cash in minutesSend money in seconds.
Pay out to mobile money, bank accounts, or another Unipaynet wallet — and move African currencies out to USD, GBP and EUR, not just in. You see the exact rate and fee before you confirm, every time.
- Live exchange rate
- Fees included, no surprises
- Mobile money & bank payout
- Arrives in seconds to minutes
Send money
Rate lockedArrives in about a minute · median ~1.1 min
Rates are fetched live and updated in real-time. The exact rate is locked in and shown in full right before you confirm a transfer. This margin covers conversion only; delivery-method fees (bank, mobile money, card) are on the pricing page.
Check this rateOne account instead of five workarounds
Figures are illustrative averages, not any one bank or app's published pricing.
Ranges reflect common industry patterns, not a specific competitor's published rates.
One account for every currency
your life touches.
Send and receive. Hold and convert. Spend anywhere a card works.
Send & Receive
Send to bank accounts, mobile money and Unipaynet. Get paid from abroad too, in the countries we support.
How transfers workHold & Convert
Hold 16 currencies and convert whenever the rate suits you. When your local currency slips, your value doesn't have to.
See walletsSpend Globally
Create virtual cards for online payments, travel and subscriptions, funded straight from your balance.
Explore cardsAlso in your account
How a payment moves through
the network
Connect
Integrate once with a single API and get access to every currency and local rail on the network.
Route
We choose the fastest, cheapest path for every transaction — bank rails, card rails, or local schemes.
Settle
Funds land in the destination account, with a real-time ledger entry and reconciliation built in.
Your money is safe with us
We're licensed, regulated, and built with enterprise-grade security — so you can move money with confidence.
Licensed & Regulated
Authorised by the Bank of Uganda as a Payment Systems Operator (PSO 53/26).
Bank-Grade Security
256-bit encryption, 2FA, and segregated accounts for your funds.
Trusted by Businesses
Powering payments for 500+ businesses across Africa and beyond.
Compliant & Transparent
Full compliance with AML/CFT regulations and data protection laws.
“We moved our cross-border payouts to Universal Payment Network and cut settlement time from two days to under a minute.”
Director of Finance Operations
Mid-market e-commerce platform
Ready to move money on one network?
Open your account in minutes and start moving money the way you actually live.