Local terms for this counter
mobile money agent · POS agent · forex bureau · bureau de change · duka · spaza shop · provision store
Africa already runs the largest agent-based financial network on earth. Millions of small shops act as cash-in and cash-out points for mobile money, and the customers they serve have adopted stablecoins faster than almost any population in the world.
$500.00
Counter order · Africa
The agent model this program uses is not a novelty in Africa — it is the dominant form of financial distribution across much of the continent. A neighbourhood shop that takes cash and credits a digital balance is exactly what a mobile money agent already is, and there are millions of them.
What those agents have not generally been able to offer is a dollar-denominated asset. In markets where the local currency depreciates and access to dollars is constrained, that is the single most-requested thing their customers want.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is.
The local picture
The format has a different name in every market and does the same job in all of them. This is the version that applies here.
mobile money agent · POS agent · forex bureau · bureau de change · duka · spaza shop · provision store
Mobile money and agent banking outlets, foreign exchange bureaux, neighbourhood shops and kiosks, phone and airtime dealers.
United Kingdom, United States, United Arab Emirates, intra-regional, China — where the money moves, and why stablecoins matter at this counter.
English, French, Swahili, Hausa, Yoruba, Amharic. Serving a customer in their own language is the single biggest advantage a counter has over an app.
The arithmetic
Crypto is priced as a percentage of the order, so the revenue scales with the ticket rather than with the number of items you sold. These are worked examples at an illustrative 1% to 3% revenue share — check your agent agreement for your own rate.
| At the counter | Order size | Store keeps (low) | Store keeps (high) |
|---|---|---|---|
| A customer cashes a check and puts part of it into Bitcoin | $200 | $2.00 | $6.00 |
| A regular buys USDT to send to family overseas | $500 | $5.00 | $15.00 |
| A customer sells crypto and takes the cash | $1,000 | $10.00 | $30.00 |
| A small business owner buys on payday, every other week | $2,500 | $25.00 | $75.00 |
| One larger order, the kind an ATM's daily cap refuses | $10,000 | $100.00 | $300.00 |
The figures above are worked examples, not projected or guaranteed earnings. They show how the arithmetic works on a given order size at an illustrative revenue-share range. Your actual rate is set in your agent agreement, and what any individual store earns depends on its foot traffic, its neighbourhood, its hours and how many customers it serves. Anytime Capital does not promise any level of income.
Typical time to serve a customer
Equipment to buy or lease
Assets your customers can buy
US-based support for your staff
Nowhere else in the world has the retail cash-in/cash-out agent been institutionalised at this scale. In Kenya, Ghana, Tanzania, Uganda and Nigeria, a shop acting as a financial counter is completely ordinary — the customer expects it, the shopkeeper is trained for it, and the identification habits already exist.
That makes onboarding a store conceptually simple. The behaviour is not new; only the asset is.
Stablecoin demand across the continent has been driven overwhelmingly by two things: protecting value against local currency depreciation, and cross-border payment for trade and remittance. Both are counter-shaped problems.
Regulatory positions differ sharply across the continent and several have changed materially in recent years, with a number of markets introducing virtual asset service provider registration. Availability is determined market by market as licensing allows.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is.
Anytime Capital is a registered US money services business and operates its own branches in Atlanta and Miami. The retail program extends that same platform to partner counters — which is why availability follows licensing rather than ambition, and why the first conversation about any international market is a straight one.
An employee signs in to the retail platform in a browser, runs a one-to-two minute identity verification for a first-time customer, places the order at a live price and takes the payment at the counter. Returning customers skip the verification entirely.
The store never holds cryptocurrency, never controls a private key and never funds a float. There is no equipment to buy, lease or install.
The customer receives the asset to a wallet they control, with the delivery recorded on a public blockchain — which is a stronger receipt than most counter products anywhere in the world can offer.
Markets in this region
Each market has its own counter format, its own corridors and its own regulatory position.
Structurally it is very similar: a shop takes cash from a customer and a regulated principal delivers the digital value. The asset and the licensing are different, but the counter behaviour a shopkeeper already knows is the same.
Adoption is highest where local currency pressure and cross-border payment needs overlap — Nigeria, Kenya, Ghana and South Africa are the largest, with strong activity across East and West Africa more broadly.
Anytime Capital's retail counter is live in the United States. International partner locations are onboarded market by market as local licensing allows, so the first conversation is always about what is possible where your store actually is. We will tell you plainly what is and is not possible where you are rather than taking you through an onboarding that cannot finish.
In the United States, a store acting as a serving location does not need its own money services business registration — Anytime Capital holds it. Outside the United States the answer depends entirely on the local regime, which is why availability is assessed market by market.
An employee signs in, verifies the customer once, places the order and takes the payment at the counter. There is no machine to install, no crypto for the store to hold and no float to fund.
Elsewhere in the programme
The same programme, answered for a different question, store format or market.
Tell us where your counter is and what your customers are asking for. We will be straight with you about what is possible in your market today.