Storspay — Cross-border payroll for US businesses paying teams in Africa & Latin America

Savings calculator

See exactly how much you're overpaying on wires.

Pick a corridor, enter your monthly payroll volume, and watch what you'd keep by moving off SWIFT wires. No sign-up needed to see your number.

Where you pay your team

Monthly payroll volume (USD)

Wires cost you / year (~6%)

$7,200

Storspay costs / year

$1,200

You keep every year

$6,000

That's enough to cover real headcount.

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The problem

International payroll still runs on 1970s plumbing.

Cross-border B2B payments are still routed through correspondent banks, layered FX desks, and SWIFT messaging — a system designed for telex machines, repurposed for the internet. Small businesses pay the price.

5–7% lost to fees and spread

Wires, intermediary banks, and FX markups stack on every transfer. A $5,000 payment to a developer in Nairobi can cost $300+ in friction.

3–5 day settlement times

SWIFT routing across two or three correspondent banks turns "instant" into nearly a week. Recipients chase, finance teams reconcile, no one is happy.

Opaque rails, blind recipients

Senders can't see where the money is. Recipients don't know how much arrives until it lands. Mis-keyed account numbers become irrecoverable losses.

Built for big banks, not SMBs

Most modern payment products serve consumers. B2B SMBs paying global teams get pushed back to their bank's wire desk — and the costs that come with it.

How it works

Three steps from USD to local currency, in your recipient's account.

Storspay sits as a thin layer between your USD bank account and your recipient's local bank or mobile-money wallet. We don't hold customer funds — they move directly through licensed infrastructure partners.

Step 01

Fund in USD

Your business deposits USD into a Storspay-issued virtual account via ACH or domestic wire. KYB completed before activation; corporate funds only.

Step 02

Convert & settle

Funds convert to USDC on Base — fast, low-cost, and fully audited. Custody sits with regulated infrastructure providers, not Storspay.

Step 03

Deliver in local currency

Licensed in-country partners deliver Naira, Cedi, Shilling, Rand, and more directly to bank accounts and mobile-money wallets. Same day, fully traceable.

Coverage

Africa first. Latin America next.

We launch where the diaspora-and-trade flow is densest and where stablecoin off-ramp infrastructure is most mature. New corridors added quarterly as partner networks deepen.

Africa

Five corridors at launch

🇳🇬 Nigeria

🇰🇪 Kenya

🇬🇭 Ghana

🇺🇬 Uganda

🇿🇦 South Africa

Latin America

Four corridors next

🇲🇽 Mexico

🇧🇷 Brazil

🇨🇴 Colombia

🇦🇷 Argentina

Frequently asked questions

How stablecoin payroll actually works.

We use USDC — a fully regulated, dollar-backed digital currency — to move money faster and cheaper than SWIFT. Here's what that means for your business.

What is USDC, and why does Storspay use it?+

USDC is a digital dollar issued by Circle and regulated under US money-transmission laws. Every token is backed 1:1 by US dollars held in reserve at regulated financial institutions. We route payments through USDC on the Base network because it settles in seconds instead of days, eliminates correspondent-bank fees, and creates a fully auditable trail for every transaction. Your recipients never touch crypto — they receive local currency directly in their bank account or mobile-money wallet.

Is my money safe? What happens if something goes wrong?+

Storspay never holds customer funds. Your USD deposits sit in a virtual account issued by a regulated infrastructure provider — a subsidiary of a major US payments company. Funds convert to USDC only momentarily during settlement and are delivered to your recipient's local bank within the same business day. Custody is handled by licensed, audited providers at every stage. If a payout fails — for example, due to an incorrect account number — the funds are returned to your Storspay balance automatically.

What is KYB, and why do I need to complete it?+

KYB stands for Know Your Business — a regulatory verification process required for any business sending cross-border payments. It confirms your company is a legitimate, registered entity. The process typically takes a few minutes: you provide your EIN, business registration documents, and authorized-signer identification. Once verified, your account is activated and you can begin sending payments. KYB protects both your business and your recipients by ensuring all transactions flow through compliant, audited channels.

Do my recipients need to sign up or install an app?+

No. Recipients receive local currency — Naira, Cedi, Shilling, Rand, Pesos, or Reais — directly in their existing bank account or mobile-money wallet. They don't need to create a Storspay account, download an app, or understand anything about stablecoins. You enter their bank details; they see the money arrive.

How much does it cost, and are there hidden fees?+

Storspay charges 0.5–1.5% all-in depending on volume and corridor. That single rate covers everything: conversion, settlement, and local delivery. There are no hidden FX markups, no intermediary-bank fees, and no per-wire charges stacked on top. By comparison, traditional wires through your bank typically cost 5–7% when you factor in the FX spread, the SWIFT fee, and the correspondent-bank cut. We show you the exact amount your recipient will receive before you confirm every payment.

How fast do payments arrive?+

Same business day for most corridors. Once your USD clears via ACH (typically same-day or next-day for subsequent transfers), conversion to USDC and delivery to local currency happen within hours. SWIFT wires to the same destinations typically take 3–5 business days. If you fund via domestic wire instead of ACH, settlement is even faster.

Is Storspay regulated? What compliance standards do you follow?+

Storspay operates as a B2B payments platform. Our infrastructure partners hold the relevant licenses for money transmission, custody, and local-currency disbursement in each market. All transactions flow through KYB-verified corporate accounts, comply with AML and sanctions-screening requirements, and are fully auditable. We are incorporated in Canada with a US operating address and maintain compliance with both FinCEN and FINTRAC reporting standards.

What currencies and countries do you support?+

At launch, Storspay supports payouts in nine corridors: Nigeria (NGN), Kenya (KES), Ghana (GHS), Uganda (UGX), South Africa (ZAR), Mexico (MXN), Brazil (BRL), Colombia (COP), and Argentina (ARS). All payments originate in USD from US-based business accounts. We add new corridors quarterly as our licensed partner network deepens.

How is Storspay different from Wise, Payoneer, or my bank?+

Most alternatives still route through the correspondent-banking system — they just put a nicer interface on top. Storspay bypasses SWIFT entirely by settling on stablecoin rails, which removes the intermediary-bank fees and multi-day delays at the infrastructure level. That's why we can offer 0.5–1.5% all-in with same-day settlement, compared to 3–7% and multi-day waits on traditional rails. We're also built exclusively for B2B payroll — not consumer transfers — which means our compliance, reporting, and support are designed for businesses running recurring cross-border payrolls.

What if my recipient's country or bank isn't supported yet?+

Reach out to us at info@storsapp.com — we're expanding coverage quarterly and can often accommodate high-priority corridors ahead of schedule. Our licensed partners maintain broad coverage across commercial banks and mobile-money networks in each market, so most accounts are deliverable on day one.

Pay your team in Lagos like you pay your team in New York.