MerchantNairobi ID verified
KSh 129.40
for each $1 of crypto
M-PesaBank Illustrative
Any token. Any wallet. Any chain.
Locked in escrow. Your crypto stays locked until the payout.
In short
Crypto in. Shillings out. Shillings in. Crypto out.
The network Illustrative
A network of verified merchants.
They compete on their rates. You choose.
You pick the offer. Your crypto locks for it.
How it works Illustrative
How it works
Your crypto goes in.
From any wallet, on any chain. Into escrow first.
Locked in. Until it’s paid out.
The lock closes before any shillings move.
Direct to Kenyan shillings.
A verified merchant pays your M-Pesa or bank. Sargo never holds your shillings.
Paid out. Then released.
You confirm, and the crypto goes to the merchant. Not paid? Don’t confirm. Disputes are settled by merchant proof.
Cash in? Same steps, the other way round: the merchant’s crypto locks first, then you pay.
-
Your crypto goes in.
From any wallet, on any chain. Into escrow first.
-
Locked in. Until it’s paid out.
The lock closes before any shillings move.
-
Direct to Kenyan shillings.
A verified merchant pays your M-Pesa or bank. Sargo never holds your shillings.
-
Paid out. Then released.
You confirm, and the crypto goes to the merchant. Not paid? Don’t confirm. Disputes are settled by merchant proof.
Cash in? Same steps, the other way round: the merchant’s crypto locks first, then you pay.
Posted offers · Illustrative
Every merchant sets their own rate.
You pick the offer. We never mark up the merchant’s rate.
MerchantMombasa ID verified
KSh 128.90
for each $1 of crypto
Bank Illustrative
MerchantNakuru ID verified
KSh 129.10
for each $1 of crypto
M-PesaBank Illustrative
MerchantEldoret ID verified
KSh 129.55
for each $1 of crypto
M-Pesa Illustrative
Yours?
Post an offer at your rate.
For merchantsSargo does not promise order flow or merchant earnings.
For merchantsYour keys.
We never ask for your recovery phrase, private key, PIN or banking password.
Your shillings.
They go account to account. Sargo never holds them.
Your say.
You pay the fee, shown before you confirm. We never mark up the merchant’s rate.
Join the network.
Open the app to place your first order. Or post your first offer.
ID verification comes before your first offer. Sargo does not promise order flow or merchant earnings.
Questions.
What if the merchant doesn’t pay?
Don’t confirm. Once the order’s deadline passes you can raise a dispute. The merchant must prove the payment with their bank’s records, and the crypto stays in escrow until then.
Can I buy crypto with KES too?
Yes. That is cash in. Say what you want to pay in shillings and pick a merchant’s offer. The merchant locks the crypto first. Then you pay their M-Pesa or bank account; they confirm, and it releases to you.
Where do my shillings go?
When you cash out, the merchant sends your shillings to the M-Pesa or bank account you choose for the order. They go account to account; Sargo never holds them. Check your balance, and confirm only when the money has arrived. Escrow then releases the crypto to the merchant.
Do I need a new wallet?
Not if you already have a self-hosted wallet: use that. If your crypto is on an exchange account, move it to a wallet you control first. Connecting a wallet does not give Sargo your private key. We never ask for your recovery phrase, private key, PIN or banking password. Start with the crypto you hold. If a conversion is needed, it happens before the lock, and you review the order before you confirm.
What will my conversion cost?
You pay the fee, and it is shown before you confirm. When you cash out, it is added to the crypto you send. When you cash in, it comes out of the crypto you receive. Merchants independently set their own rates. Sargo does not set the rate or take a spread. Payment-provider, network and conversion-route charges may also apply. See fees and payment instructions.
Who sets the merchant’s rate?
Merchants independently set their own rates. Sargo does not set the rate or take a spread. Sargo does not promise order flow or merchant earnings.
What if a payment is disputed?
Disputes are settled by merchant proof. The merchant proves the payment from their own bank’s records, using Sargo Verifier, and the crypto stays in escrow until it’s settled. The proof is tied to the order. Keep your order details and payment records, and never confirm on the strength of a payment screenshot alone.
Who is Sargo?
Sargo Ltd, a company registered in England and Wales (no. 15206415).