Real-World Payments with Local Currency Stablecoins

Instant and low-cost local currency payments for everyday use.

Mento decentralized stablecoins enable fast, borderless payments in local currencies including cKES, cGHS, and cCOP. From e-commerce to payroll, users and businesses can use Mento for instant, low-cost transactions that feel local—backed by strong on/off-ramp integrations. Mento makes it easy for users to plug into real-world value flows.

Why Use Mento for Your Payment Solution?

Trade World Currencies,Onchain

Deep, real-time liquidity across a growing portfolio of local and global stablecoins, including exotic currency pairs.

Efficient Execution  via Virtual AMM

The Mento Asset Exchange is powered by a virtual Automated Market Maker (vAMM) with the Mento Reserve as the liquidity backbone—enabling trades with liquidity pools.

24/7 Market Access

Traditional FX markets operate on a 24/5 schedule, leaving users locked out on weekends. Mento runs around the clock, enabling users to trade, hedge, and discover prices even when legacy markets are offline.

Low Slippage and Transparent Pricing

Pre-set execution parameters and oracle-based pricing eliminate common inefficiencies in DeFi FX.

Institutional-Grade Safety

Circuit breakers, risk limits, and full reserve visibility ensure every trade is executed with integrity and transparency.

Why Use Mento for Your Payment Solution?

Access DeFi with Local Currency

Use local stablecoins like cKES or cCOP to participate in yield-generating protocols—without the need to convert to USD or BTC.

DeFi-Enabled Earning

Use your Mento stablecoins across the most used lending markets and liquidity protocols like Aave, Uniswap and Carbon DeFi.

Practical Utility

Mento stablecoins can be used for local-currency-denominated loans, payments, and crypto purchases—bridging traditional financial use cases with onchain tools.

Multi-Currency Participation

Users engage in global protocols without needing to adopt USD-pegged assets, supporting and growing local-currency liquidity.

Decentralized & Transparent

Mento stablecoins are overcollateralized and governed by onchain governance proposals.

Why Use Mento for Your Payment Solution?

Currency Familiarity

Users and merchants transact in decentralized stablecoins that track the value of their local currencies (e.g. cCOP, cKES, cGHS), removing the friction of price conversions and dollar dominance.

Instant Settlement

Payments are transferred within seconds, without the delays or third-party intermediaries typically involved in traditional banking systems.

Merchant-Ready Infrastructure

Mento is already being used for real-world commerce through payment solutions like Pretium (across multiple countries in Africa) and BucksPay (Colombia).

On/Off-Ramp Ready

Mento is connected to a growing network of local fiat ramps, allowing users to easily convert between stablecoins and cash or mobile money.

No FX Risk

By using local currency decentralized stablecoins, businesses and users avoid forced exposure to USD volatility.

Why Use Mento for Your Payment Solution?

Instant Finality

All settlements are executed onchain with immediate confirmation and full traceability.

Eliminates Counterparty Risk

Mento smart contracts ensure atomic, trustless execution—no clearinghouses or settlement windows.

Supports Multi-Currency Treasury Flows

Effortlessly move between Mento decentralized stablecoins cUSD, cEUR, cKES, cCOP, and more to hedge exposure, automate liquidity, or manage payouts.

24/7 Market Access

Built for Integration

Mento technical documentation makes it easy to embed FX settlement flows into existing DeFi protocols, wallets, or financial platforms.

Oracle-Driven Pricing

Settlement FX rates are powered by reliable data feeds, oracles, for accuracy, minimizing volatility and slippage.

Transparent

All FX settlement activity is verifiable on-chain, with collateral backing and system parameters viewable via the Mento Reserve.

Why Use Mento for Your Payment Solution?

Instant Transactions

Send and receive payments globally within seconds, regardless of location.

Low-Cost Transfers

Minimal transaction fees compared to traditional banking and remittance services.

Stable, Localized Digital Currencies

A portfolio of decentralized stablecoins (cUSD, cEUR, cREAL, cKES, etc.) to facilitate payments in local currency equivalents.

Optimized Remittance Corridors & Currency Pairs

Key global remittance corridors, enabling transfers across various currency pairs.

Borderless Accessibility

Connect with financial networks globally, regardless of banking infrastructure.

Decentralized & Transparent

All transactions occur on-chain with full transparency, eliminating reliance on third-party intermediaries.

Ecosystem Partners Providing Payment Solutions with Mento Onchain FX and Decentralized Stablecoins

Utilizes:

cUSD

Multiple

Bando

Bando is an in-app utility layer that enables users to spend stablecoins directly from wallets and dApps on services such as bill payments, and mobile top-ups.

Utilizes:

cCOP

Multiple

BucksPay

Accepting cCOP in Colombia for onchain payments and merchant transactions, providing a faster alternative to traditional payment rails while offering a familiar currency.

Utilizes:

cKES

cUSD

Multiple

Pretium

Facilitating everyday payments, and allowing users to shop, pay bills and send money using their crypto holdings.

Utilizes:

cUSD

PUSO

cCOP

Multiple

Valora

A self-custodial mobile wallet that lets users send, receive, and store stablecoins with just a phone number, making peer-to-peer payments easy and borderless.

Utilizes:

cUSD

Multiple

MiniPay

Enabling the “Pockets” swap feature between cUSD, USDC, and USDT, Mento brings seamless FX functionality to MiniPay users worldwide.

How Does It Work?

Choose a Mento decentralized stablecoin

e.g. cUSD, cEUR, cKES, cCOP

Deploy it into
a DeFi protocol
or liquidity pool

that supports Mento pairs (e.g. Aave, Merkl, Carbon DeFi).

Earn passive yield in your chosen currency

whether it's cUSD or a local stablecoin like cKES.

Withdraw
or redeploy
your assets

anytime, without losing currency parity.

How Does It Work?

Integrate Mento Stablecoins

Integrate Mento stablecoins  to enable local currency payments directly within  your solution.

Connect
to Ramps

Partners can plug into Mento’s ramp ecosystem for fiat conversions, or let users retain stablecoins.

Enable Onchain Payments

Users send and receive stable currencies instantly onchain, with no intermediaries.

Power
Real-World Utility

Mento stablecoins power payments, top-ups, payroll, and transfers for a full crypto payment cycle.

Mento Products

for

Local Payments

Mento Decentralized
Stablecoins

Enabling stable value transfers across multiple economies.

Mento Asset
Exchange

A decentralized FX engine for continuous, trustless trading between stablecoins, designed for DeFi platforms and institutional execution.

Power Everyday Payments with Global and Local Currency Stablecoins.

Mento helps fintechs, merchants, and wallets enable fast, low-cost payments in familiar currencies, instantly settled and ready for real-world use.

Frequently Asked Questions

Can I use Mento decentralized stablecoins to pay a merchant directly?

Yes. Mento ecosystem partners (including Pretium and BucksPay) provide payment solutions that enable Mento decentralized stablecoins to be used to purchase real-world goods and services.

How do I convert Mento decentralized stablecoins into local cash or mobile money?

Mento is integrated with local on/off-ramp networks, enabling users to easily convert between crypto and fiat using mobile money or bank accounts.

What currencies are currently supported for local payments?

Mento ecosystem partners support cUSD, cKES (Kenya), cGHS (Ghana), and cCOP (Colombia), with more local currencies coming soon.

Why are Mento stablecoins well-suited for everyday local payments?

Mento stablecoins are designed to track the value of local currencies, making them familiar and practical for everyday use. They enable fast, low-cost transactions while avoiding the friction of using USD or crypto-native assets.

cUSD