SurfCash integrates MoonPay Deposits

We're excited to announce that SurfCash has integrated MoonPay Deposits, powered by MoonPay.

SurfCash is a non custodial payments app built on Solana. It lets people hold stablecoins and pay local merchants in their own currency. In most emerging markets, card acceptance is weak or nonexistent, and the cards that do work charge around 2.5% plus foreign exchange fees. SurfCash takes a different route. It connects stablecoins straight to the domestic bank transfer networks those countries already run, where fees sit near zero. A user pays at a flat 0.5%, and the merchant receives local currency with no crypto setup. SurfCash is live in the Philippines, Brazil, Nigeria, Mexico, Argentina, and Peru, with more markets on the way.

The real barrier in these regions is acceptance. Roughly 70% of merchants do not take payment cards at all. A terminal costs too much for a small shop, and card fees cut into thin margins. Each of these countries built an instant domestic bank transfer network instead, and those networks move money between local accounts at little to no cost. SurfCash bridges directly into them. At checkout, a stablecoin balance becomes an ordinary local transfer, settled in the merchant's own currency. The user keeps custody of their funds the entire time.

MoonPay Deposits removes the hardest part of getting started. Users can fund their SurfCash account with crypto from any external wallet, regardless of the token or blockchain they hold. MoonPay handles the routing, bridging, and conversion behind the scenes. The user sends what they have, and SurfCash receives exactly what it needs.

This matters because funding is where most crypto apps lose people. A user no longer has to track down the right token on the right network before they can spend. They move funds in once and start paying merchants right away. For SurfCash, that means fewer abandoned signups and a faster path from download to first payment.

The integration reflects a clear shift. Stablecoins are becoming the rails for everyday spending in markets where traditional payments never reached scale. SurfCash and MoonPay are building the onramp into that economy, starting with the regions that need it most.

"MoonPay lets us meet people where they already are. Someone funds their account with a card or just Apple Pay and spends it at a local merchant, and they never have to think about crypto to do it. That is what turns SurfCash from a crypto product into a financial app. The stablecoins sit underneath. The person just sees money that works," said Akshat, CEO and co-founder of SurfCash.

"Payments should work for people regardless of where they live or what they hold," said Ivan Soto-Wright, co-founder and CEO of MoonPay. "SurfCash is solving a real problem in markets that traditional finance overlooked, and MoonPay Deposits gives their users a simple way in. We are proud to power the funding layer for a product that makes stablecoins feel like everyday money."

MoonPay Deposits is live in SurfCash today. Download the app and start funding your account in seconds.