# USD → KES: US Dollar to Kenyan Shilling settlement on Sera

> Kenya's M-Pesa rails are the most penetrative mobile-money network on earth. Sera bridges global stablecoin liquidity into M-Pesa for the first time at protocol scale.

- **Corridor:** USD ↔ KES (United States ↔ Kenya)
- **Status:** Q2 2026
- **Bridge stablecoins:** USDC ↔ USDC
- **Settlement speed:** Sub-second on-chain · ~30s door-to-door

## How settlement flows

USD via ACH → USDC → routed against KES liquidity → KES via M-Pesa or PesaLink to recipient phone or bank.

## Local payment rails

- **United States (USD):**
  - FedNow (Real-time — 24/7/365)
  - ACH (Same-day — Same-day & next-day)
  - Fedwire (Wire)
- **Kenya (KES):**
  - M-Pesa (Real-time — Mobile money, dominant)
  - PesaLink (Real-time — Bank-to-bank)

## Use cases

- Diaspora remittance to Kenya
- USD payouts to creators
- M-Pesa cash-out

## Risk notes for liquidity providers

Highest yields on this list; also highest stablecoin-side concentration. LPs should size accordingly. CBK licensing handled by Sera partners.

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Live page with current rates: https://sera.cx/coverage/usd-kes · Swap at https://app.sera.cx · All corridors: https://sera.cx/coverage · Full corpus: https://sera.cx/llms-full.txt