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Brainwave
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Cross-border payments in your own currency with Brainwave

Settles in USDC on Stellar

Pay and get paid in your own currency across Uganda, Kenya, Tanzania and Rwanda.

Country of departure:

Receiving country:

Recipient gets (KES)-
Send funds

Loading live rates…

Indicative rate. The final amount is confirmed in the app.

Country of departure:Uganda (USh)
Receiving country:Kenya (KSh)
How it works

How a payment moves

Every payment follows the same checked path, and you can see each step.

  1. Scan or enter an amount

    Pay a merchant by scanning their Brainwave QR code, or enter the amount for a variable request.

  2. See the exact quote

    You see the rate, its source and every fee before you confirm. Quotes expire quickly so the price stays fair.

  3. Settled on Stellar

    The value moves between Brainwave treasury accounts in USDC on Stellar, verified on-chain before it counts.

  4. Paid out locally

    The merchant receives local currency through a licensed payout partner in their country.

Fee transparency

Built for transparency

Clear prices, clear records and controls you can trust.

  • Every fee shown

    Platform fee, network fee and exchange spread are listed separately on every quote and receipt.

  • Verifiable statements

    Download up to six months of history as Excel or PDF. Each statement carries a code anyone can verify.

  • Security by default

    Two-step verification, an app PIN, device-bound sign-in and approvals for sensitive actions.

  • No crypto needed

    You hold and spend local currency. Stellar is the settlement rail, not something you have to manage.

See fees
Security and compliance

How we keep accounts safe

How we keep you safe

Two-step verification

Protect sign-in and payment approval with an authenticator code.

Device-bound sign-in

Quick sign-in keys never leave your phone and can be revoked at any time.

Identity and screening

Every account is verified, and payments are screened before they move.

Help

Questions people ask

Short answers to the most common questions.

Visit the help centre

  • No. You hold and spend local currency in the app. Brainwave settles between its own treasury accounts in USDC on the Stellar network, so you never handle crypto or seed phrases.

Ready to pay across borders?

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