Pay AppPay PortalPortal
Fiat currency · GHS

Ghanaian Cedi on U.CASH

The Ghanaian cedi settles on mobile money: MTN MoMo is the dominant wallet in a country where more people hold a phone wallet than a bank account. The cedi floats; MoMo moves it instantly; the diaspora corridors keep SWIFT busy.

Start accepting → All currencies

Rails settle it at checkout; pegged tokens settle it on-chain. Both live on the same non-custodial U.CASH checkout.

Ghanaian Cedi at a glance

Code
GHS
Symbol
GH₵
Local rail
MTN MoMo
Pegged tokens
0

Rails that settle GHS

Cedi checkouts can offer MTN MoMo for Ghanaian buyers and SWIFT for international transfers. Card processors do not list GHS, which makes MoMo and the crypto rails the working pair.

MTN MoMo

Ghana. Manual rail, no processor account.

The MTN MoMo rail →

SWIFT

International. Manual rail, no processor account.

The SWIFT rail →

Pegged tokens on U.CASH

No cedi stablecoin trades on U.CASH today. For on-chain settlement, USDT and USDC are the deepest pairs at the checkout's FX rate, and they are the standard settlement asset in Ghana's crypto market.

No GHS-pegged token trades on U.CASH today. Card rails and the crypto assets cover checkout settlement.

Where it settles

Countries served by the Ghanaian Cedi rails on U.CASH.

Ghana

Ghanaian Cedi: FAQ

Can I accept Ghanaian cedi payments?
Yes: MTN MoMo delivers cedis instantly from the wallet most Ghanaians use, and SWIFT covers international transfers. On-chain settlement runs through the dollar stablecoins.
Why mobile money instead of cards in Ghana?
Reach: MoMo wallets outnumber card holders several times over and work on any phone via USSD. The rail that everyone has is the rail a checkout needs.
Get started

GHS, rails and chains

Bank rails for the checkout, pegged tokens for on-chain settlement, one non-custodial platform.

Open U.CASH Pay → Browse currencies