Kotani Pay is a technology stack that connects blockchain protocols, blockchain dapps, and Fintech companies to local payment channels in Africa. We provide a reliable on-ramp and off-ramp service to reach a wider customer base that operates primarily on mobile money services. How does it work We offer two products; the Kotani Pay API and USSD code. Through our API, businesses can integrate with us seamlessly to local payment channels in Africa. Our USSD code enables smartphone users and feature phone users to access blockchain functionality through their Kotani Pay wallet. They can also conveniently off-ramp directly to their mobile money. Use cases 1. Lending 2. Remittance 3. Universal Basic Income 4. Gig work 5. Saving 6. Cash transfer What makes Kotani Pay different Blockchain technology was built with smartphone users in mind excluding the 57% of the African population with no access to the internet. Kotani Pay is enabling his excluded group to access full blockchain functionality on their phones without the internet.