Talk. Send. Automate.
Send money as easily
as sending a message
Cowry is an AI-powered crypto payment app built on Celo. Send money to a bank account abroad, bridge USDC to another chain, or check your balance — just type what you want.
Works in any browser · Best in MiniPay
Live on Celo Mainnet
Features
Everything you need to pay anyone, anywhere
Send Money Abroad
Send USDC or USDT straight to a bank account or mobile money wallet in Nigeria, Kenya, Ghana, and more — the recipient doesn't need a wallet or a Cowry account.
Talk to Pay
Just type what you want — "Send $50 to a bank account in Nigeria". No forms, no manual entry, no complexity.
Cross-Chain Send
Send Celo USDC or USDm to anyone — they receive USDC on Ethereum, Base, Arbitrum, and 6 more chains.
AI-Powered
An onchain AI agent — registered with Self Agent ID (ERC-8004) — parses your intent and executes.
Always Confirm
No transaction ever executes without your explicit approval. You stay in control at every step.
Built on Celo
Sub-cent fees, instant finality, and native MiniPay support — built for everyday payments and remittances.
How it works
Four steps from zero to paid
Open Cowry
Works in any browser or inside MiniPay. Your wallet connects automatically — no signup needed.
Grant Cowry AI access
One-time approval lets the AI agent execute payments on your behalf.
Type what you want
"Send $50 to a bank account in Nigeria" or "Bridge 20 USDC to Base".
Tap Confirm
Review the preview, tap Confirm. Cowry handles the rest — on-chain and off-chain.
Cross-Border
Cash out to a bank account or mobile money
Powered by Paycrest. Send USDC or USDT from Celo and your recipient gets local currency in their bank account or mobile money wallet — no crypto wallet needed.
+ more countries coming soon
Cross-Chain Send
Send from Celo, delivered on any chain
Powered by LI.FI. Send Celo USDC or USDm to anyone — they receive USDC directly in their wallet on any of these chains.
+ more chains via LI.FI
Supported Tokens
Pay in USDm, USDC, or USDT
Mento Dollar
Native Celo stablecoin. Default in MiniPay. Use it for cross-chain sends.
USD Coin
Circle's native USDC on Celo. Use it for cross-chain sends and cross-border remittance.
Tether USD
Tether's USDT on Celo. Use it for cross-border remittance.
Ready to try Cowry?
Open Cowry in your browser or MiniPay, grant Cowry AI access, and send your first payment in under a minute.
Get started — it's free →