OnLink

OnLink is a Nairobi-based fintech, born out of the Antler startup accelerator, that cuts the cost of moving money into and out of Kenya. The app lets individuals and businesses receive USD for free, convert at the live mid-market rate instead of marked-up bank rates, and withdraw instantly, saving up to roughly 80% versus typical bank margins. It holds balances in KES, USD, GBP, and EUR, integrates with M-PESA for local transfers, and settles deposits through Choice Bank, a partner licensed and regulated by the Central Bank of Kenya. OnLink is also building a fiat-backed Kenyan-shilling stablecoin (KESX) to lower the cost of on-ramping into crypto assets such as USDC and USDT for cross-border stablecoin payments.