Trusted fintech infrastructure
Pay and exchange with
mobile money & USDT
By Lipa connects local mobile money networks with stable digital assets — giving individuals, merchants, and developers a secure way to buy, sell, and accept USDT.
Solutions
Built for every part of your business
Whether you are an individual, a merchant, or an enterprise partner — By Lipa has a tailored path.
Personal exchange
Buy USDT with mobile money or sell USDT back to TZS. Simple phone registration, live quotes, and order tracking from your dashboard.
- ✓ Mobile money in & out
- ✓ TRON TRC20 wallets
- ✓ Transparent rates & fees
Crypto checkout
Accept USDT and BTC on your website or app. Funds settle directly to your wallet — we never hold your crypto.
- ✓ REST API & webhooks
- ✓ Auto-confirm in ~1 minute
- ✓ Merchant dashboard
Operations platform
Department-based access control for your team — Finance, Compliance, Operations, Partnerships, Technology and Support each get the modules they need.
- ✓ Role-based permissions (ACL)
- ✓ Audit-ready ledger
- ✓ Multi-service architecture
About By Lipa
Modern stablecoin exchange infrastructure
We bridge the gap between mobile money operators and blockchain networks — making it simple for anyone to access USDT, and for businesses to accept crypto payments without building complex infrastructure.
Our platform is built on a microservices architecture with dedicated services for orders, ledger, blockchain, rates, and authentication. Mobile money collections and disbursements are handled through trusted payment aggregation partners.
Retail exchange
Buy and sell USDT with mobile money — transparent rates before every order.
Merchant checkout
Accept USDT and BTC directly to your wallet. No platform custody — funds settle to addresses you control.
Developer APIs
RESTful APIs with API keys, signed webhooks, and comprehensive merchant documentation.
Enterprise ledger
Double-entry accounting for every transaction — full audit trail for compliance and reconciliation.
Our services
Everything you need to move between TZS and USDT
From individual exchange to merchant integration — end-to-end stablecoin solutions tailored for modern businesses.
Buy USDT
Pay with mobile money and receive USDT to your TRON wallet. Live quotes, phone-based checkout, and instant order tracking.
- ✓ Local mobile money rails
- ✓ Live TZS/USDT quotes
- ✓ TRC20 delivery
Sell USDT
Send USDT to a deposit address and receive TZS to your phone. On-chain monitoring with automatic mobile money disbursement.
- ✓ Quote before you send
- ✓ Chain deposit watcher
- ✓ PayIn disbursement
Merchant payments
Create crypto payment requests via API. Customers pay USDT or BTC directly to your wallet — confirmed within about one minute.
- ✓ Non-custodial settlement
- ✓ TRON, BNB & Bitcoin
- ✓ Signed webhooks
Merchant dashboard
Monitor pending and confirmed payments, manage API keys, configure webhooks, and track settlement history from one portal.
- ✓ Payment tracking
- ✓ API key management
- ✓ Payout visibility
Rates & quotes
Dedicated rates service with buy/sell spread tiers. Get a quote by TZS or USDT amount before committing to any order.
- ✓ Transparent fee structure
- ✓ Volume spread tiers
- ✓ Public quote API
Ledger & treasury
Every USDT movement is recorded in a double-entry journal. Blockchain service handles deposits, withdrawals, and treasury operations.
- ✓ Audit-ready journal
- ✓ QuickNode chain monitoring
- ✓ Isolated service databases
Connected ecosystem
Integrated with leading payment & blockchain networks
Mobile money
Collections & payouts
PayIn
Payment infrastructure
TRON
USDT TRC20
BNB Chain
Multi-chain
Bitcoin
On-chain
QuickNode
Chain RPC
Blockchain networks
Multi-chain support with a clear roadmap
Start with TRON for retail exchange. Accept USDT and BTC as a merchant across three live networks today.
TRON
LiveUSDT TRC20
Retail exchange & merchant payments · lowest fees
BNB Chain
Merchant APIUSDT BEP20
Fast confirmation for merchant checkout
Bitcoin
Merchant APIBTC
Accept BTC directly to your wallet
Ethereum
Coming soonUSDT ERC20
Phase 3 — retail exchange
Polygon
Coming soonUSDT
Phase 3 — low-cost L2
Solana
Coming soonUSDT SPL
Phase 3 — high throughput
How it works
Get started in four simple steps
From sign-up to your first exchange or merchant payment — we've made the process straightforward.
Create account
Register with your phone number. Customer accounts for exchange, or merchant portal for business integration.
Choose your service
Buy USDT with mobile money, sell USDT for TZS, or integrate merchant payments via our REST API.
Complete transaction
Approve mobile payment, send USDT on-chain, or show a settlement address to your customer.
Receive funds
USDT delivered to your wallet, TZS to your phone, or crypto confirmed directly in your merchant wallet.
For developers
Integrate crypto checkout in minutes
RESTful JSON API with API key authentication, HMAC-signed webhooks, and a merchant portal with full documentation. No complex blockchain setup required on your side.
-
API
Merchant REST API
Create payments, check status, list transactions
-
WH
Signed webhooks
HMAC-SHA256 on payment.confirmed, payment.expired & more
-
GW
Public API gateway
Auth, rates & orders at /api/v1/*
{
"amount_usdt": 25.5,
"external_reference": "order-12345",
"network": "tron"
}
// Response
{
"reference": "PAY-ABC123",
"settlement_address": "T…",
"status": "pending"
}Contact us
Let's talk stablecoin
Ready to start exchanging or integrate crypto payments into your business? Reach out to our team.
Your stablecoin journey starts here.
Open a free account in minutes — phone and password is all you need to begin.