Cellulant alternatives for a stablecoin float
Unigox is one of the Cellulant alternatives for companies that hold USDT or USDC and pay out to bank or mobile money accounts. Airtime, bills, card payouts and card checkout stay with Tingg.
When Unigox fits better than Cellulant
Your float is in USDT or USDC, not USD or local currency
Tingg pays out from a float you prefund: in USD to a Cellulant wallet in Kenya, or, if you pay into several of its markets, in local currency to Cellulant's account in each one. On Unigox the balance you prefund is USDT or USDC in your partner wallet, and each payout spends it at the rate its quote shows.
You want collections in your wallet, not your bank account
Tingg Checkout settles collections to your nominated bank account, and Cellulant can use them to prefund your payouts. A Unigox collection releases USDT or USDC to your partner wallet once the local payment is confirmed, ready for the next payout.
Only bank and mobile money payouts move to Unigox
Leave airtime, bills and checkout on your Tingg contract, and send Unigox only the bank and mobile money payouts you want to fund from stablecoins. Your Cellulant float then covers what stays with Tingg.
When to stay with Cellulant
You pay airtime, data bundles or bills
Tingg Payouts tops up airtime and data and pays bills such as pay TV, electricity and water, next to mobile money and bank transfers. The Unigox Payments API pays bank and mobile money accounts only.
You pay staff or suppliers by phone number
Cellulant sends mass payouts for payroll, rewards and refunds from a web portal with no integration, to a mobile number or account. On Unigox each person paid is your customer and first passes an identity check with Unigox.
You pay out to cards
Cellulant's payouts page lists cards as a payout destination next to mobile wallets and bank accounts. Unigox payouts go to a bank or mobile money account, never to a card.
Your customers pay by card
Tingg Checkout takes Visa and Mastercard next to mobile money and bank payments, as a hosted page, a host-to-host API or a WordPress plugin. Unigox collections are bank transfer or mobile money only.
Tingg Payouts vs the Unigox Payments API
Your company pays a person's bank or mobile money account in an African market, or collects from one.
| Topic | Cellulant (Tingg) | Unigox |
|---|---|---|
| What it is | A payments company for African markets: Tingg Checkout for collections, Tingg Payouts for mobile money, bank, airtime and bill payouts, and Tingg Engage for SMS and email alerts. | A payout and collection API funded and settled in USDT or USDC in your partner wallet. A payment business or an individual P2P merchant makes the local payment. |
| Funding a payout | A float you prefund before go-live: in USD to a Cellulant wallet in Kenya or, for several markets, in local currency to Cellulant's account in each. Funds Cellulant collected for you can top it up. | USDT or USDC you send to your partner wallet in advance. Your server signs each transfer out of it. |
| Where money goes | Mobile money and bank accounts, cards, airtime, data bundles and bill payments, depending on the market. | Your customer's own bank or mobile money account. A quote can limit the order to payment businesses. |
| Who can be paid | Any mobile number or bank account number in a market Tingg serves; an optional validation call can check the account before you pay. | Your customers, each after an identity check with Unigox. An eligible Sumsub or Persona check can be reused. |
| Collections | Cards, mobile money and bank payments through a hosted checkout, a host-to-host API or a WordPress plugin, settled to your nominated bank account. | Bank transfer or mobile money, no cards. The USDT or USDC lands in your partner wallet after the local payment is confirmed. |
| Pricing | Not published. Tingg's pricing page sends you to sales, and payout commission is settled as agreed in your contract. | Shown per quote: the fee depends on the currency and payment method. Every quote lists the rate, the Unigox fee, your own fee and the total before you commit; an order that does not complete is not charged. |
| Integration | One payouts endpoint with functions to post a payment, query its status, query the float balance, validate an account and query a bill. Username and password credentials; sandbox credentials are printed in the docs. | REST with an X-API-Key header. The sandbox at api-staging.unigox.com opens after KYB and setup and has the same endpoints as production, with a Postman collection and signing examples in Python, JavaScript and C#. |
| Going live | Test-case document for integration and acceptance tests, float funded, approval board on Wednesdays and Fridays, deployment on a Tuesday or Thursday night, IP allow-listing, then a pilot with small amounts. | Company verification (KYB) first. After approval, Unigox sets up the Payments API for your company and issues production keys. |
| Payout status | Final status goes to the callback URL you pass with each request. A payout with unknown status is escalated (code 219) and settles as success or failure after reconciliation within 24 hours. | HMAC-SHA256 signed webhooks for status, refunds and identity checks, retried up to 10 times. A funded payout that cannot complete waits in escrow until your server signs the refund to your partner wallet. |
| Regulation | Cellulant Kenya Limited is listed by the Central Bank of Kenya as an authorised payment service firm for mobile money payments and merchant payment processing. Cellulant states PCI DSS v4.0 certification. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove a Tingg payout flow to the Payments API
Send your company documents
Book a call to agree your markets and setup, then send your registration documents, ownership and source of funds for KYB. The team sets up the Payments API and your keys after approval.
Rebuild the payout call in the sandbox
Where Tingg posts a payment against your float, Unigox takes a quote and a transfer your server signs. Test both on api-staging.unigox.com, together with the identity check each customer passes.
Top up in stablecoins and switch
Send USDT or USDC to your partner wallet, move the chosen payouts to api.unigox.com, and keep your Tingg float for airtime, bills and any payouts you leave there.
Questions about Cellulant competitors
What are the Cellulant alternatives for African payouts?
It depends on the job. For bank and mobile money payouts funded from USDT or USDC, the Unigox Payments API is one option: you prefund a stablecoin balance in your partner wallet rather than a USD or local-currency float. For airtime, bills, card payouts and card checkout in one contract, Tingg remains the fuller stack.
Which companies is Cellulant usually compared with?
Business directories such as Owler list Flutterwave, Pesapal and Chipper Cash among Cellulant's competitors; Flutterwave has its own comparison here. For a company that holds stablecoins, Unigox competes on bank and mobile money payouts and collections, not on airtime, bills or cards.
Read the Flutterwave comparisonWhich companies are like Cellulant but settle in stablecoins?
Unigox is one: collections release USDT or USDC to your partner wallet, and payouts spend it. It does not offer Tingg's airtime, bill payments, SMS alerts or card acceptance, so the overlap is bank and mobile money payouts and collections.
See all business comparisonsHow does the Cellulant API compare with the Unigox Payments API?
Tingg Payouts posts each payment against a float and reports the final status to a callback URL. The Unigox Payments API prices each payout in a quote, has your server sign the stablecoin transfer, and sends HMAC-signed webhooks. Both have a sandbox; Unigox opens its sandbox after your company passes KYB.
Can Unigox pay airtime and bills like Tingg?
No. The Payments API pays bank and mobile money accounts and collects by bank transfer or mobile money. Keep Tingg for airtime, data bundles and bill payments.
Fund your African payouts from stablecoins
Tell us the markets you pay into and how you hold funds today. We confirm the payment methods per market before you build.
Cellulant, Tingg and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.