StableMo Join waitlist

Buy & sell USDT with Mobile Money.

StableMo connects USDT liquidity with everyday Mobile Money payments. Every trade is escrowed on-chain, paid peer-to-peer, and covered by a named arbiter you both agreed to.

Join the waitlist See how it works
  • USDT locked in smart-contract escrow
  • MoMo paid directly to your counterparty
  • 0.5% fee — shown before you accept
Market trader with her phone at a bustling Accra market stall

Mobile Money already moves daily life in Ghana.

StableMo just gives it a stablecoin on-ramp — escrowed, priced fairly, settled between people.

0.5% flat platform fee per trade, in USDT, shown before you accept
100 USDT one-time user bond that unlocks seller and Quick Buy offers
1 hour to fund escrow and to pay by Mobile Money — on every trade
0 custody USDT held by smart-contract escrow; MoMo paid trader-to-trader
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On-chain escrowFunds locked until settlement
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Direct MoMo paymentPeer-to-peer, no middleman
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Transparent pricingEvery fee shown upfront
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Known dispute pathA named arbiter per trade

How it works

Three steps. No surprises.

1

Pick an offer

Compare live GHS rates from bonded sellers — or post a Quick Buy request at your own price. You'll see the exact GHS amount and all fees before you commit.

2

Pay by Mobile Money

The seller's USDT is locked in smart-contract escrow first. Then you pay by MoMo directly — payment details stay private until the trade opens.

3

Settle with certainty

The seller confirms your payment and your USDT releases instantly. One-hour windows keep every trade moving — and a pre-agreed arbiter is there if it doesn't.

Why StableMo

Trust first. Crypto second.

StableMo is built to feel like a dependable payment marketplace — not a speculative trading app.

Your USDT stays in escrow

A smart contract holds the trade amount until settlement. The platform never touches trade funds — and can't move them.

Real peer-to-peer

Mobile Money moves straight between you and your counterparty. No platform custody, no float, no forwarding.

Prices you can check

Sellers set their own rates; the market keeps them honest. One flat platform fee, printed on every quote before you accept.

A human dispute path

Every trade carries an arbiter both sides accepted up front. If things go wrong, they review the full trade chat and rule — release or refund.

The life of a trade

Escrowed at every step

  1. Offer acceptedRate, limits and arbiter agreed — nothing moves yet.
  2. USDT escrowedSeller funds the smart contract. 1-hour payment window starts.
  3. MoMo paidYou pay the seller directly and mark it sent with a reference.
  4. USDT releasedSeller confirms — or the arbiter rules. Escrow settles either way.

Fees

One flat fee.
Zero fine print.

You see the complete cost — platform fee, arbiter allocation, network cost and your net USDT — on the quote screen, before you accept any trade.

0.0% platform fee
paid in USDT
Arbiter allocation0.1% per trade
Withdrawal/settlement surprisesNone
On a 100 USDT trade, the platform fee is 0.5 USDT — shown to both sides before the trade opens.

Real people, real commerce

Built for the way Ghana already pays.

Not a trading terminal — a marketplace for the woman selling tomatoes and the man running the corner shop.

Hands confirming a Mobile Money payment on a phone
Pay like you already do MoMo stays MoMo. No new bank, no cards, no learning curve — just a smarter way to buy USDT.
Shop owner checking his phone at his store
Sell your USDT, your rate Post an offer at your price, get paid directly to your MoMo, keep every cedi you quote.

Questions

Straight answers

How do I buy USDT with Mobile Money in Ghana?

Pick a bonded seller's offer at your preferred GHS rate and request the trade — the seller then locks the USDT in smart-contract escrow. Pay the seller directly by MoMo within one hour, mark it sent, and the escrow releases the USDT to you once the seller confirms.

How do I sell USDT for Mobile Money (MoMo)?

Lock a one-time 100 USDT bond to unlock offers, publish yours at your own GHS/USDT rate with your chosen arbiter shown on it, and get paid straight to your MoMo. Fund the escrow when a buyer opens a trade, confirm the payment when it lands — the contract settles.

Does StableMo hold my money?

No. Trade USDT is held by a smart-contract escrow on-chain — not by the platform, not by an operator wallet. Mobile Money moves directly between the two traders.

Who can see my Mobile Money number?

Only your counterparty and the trade's preselected arbiter — and only after the trade opens. MoMo numbers never appear in public listings and never touch the blockchain.

What happens if a trade goes wrong?

Every trade has an arbiter chosen by the offer creator and accepted by both sides before opening. They see the complete trade chat — payment references included — and rule to release the escrow or refund it. One ruling, on record.

What are StableMo's fees?

A flat 0.5% platform fee in USDT plus a 0.1% arbiter allocation per trade. Both are shown on the quote screen before you accept — the amount you see is the deal you get.

Is StableMo available outside Ghana?

StableMo is Ghana-first by design: rates are set in GHS and settlement uses Ghana Mobile Money. The initial pilot is Ghana-only.

When does StableMo launch?

We're in pre-launch. Join the waitlist and you'll be first in line for the controlled Ghana pilot, with launch news and invites before anyone else.

Be first in line when StableMo opens.

Join the waitlist for pilot invites and launch news. No spam — that's a promise, not a slogan.