A Ghana cedi-pegged, fiat-collateralized token designed to enable fast, low-cost, and programmable GHS-denominated payments for individuals and businesses across Ghana and the Ghanaian diaspora.
sGHS bridges Ghana's financial system with the global digital asset economy, ensuring that innovation, liquidity, and opportunity flow through the cedi rather than around it.
By providing a programmable, interoperable cedi that flows seamlessly into mobile wallets, bank platforms, and fintech applications, sGHS unlocks new opportunities for growth while safeguarding Ghana's monetary sovereignty.
sGHS operates under strict regulatory compliance with the Bank of Ghana (BoG) and international AML/CTF standards, providing a credible, sovereign alternative to foreign-denominated stablecoins.
sGHS extends the cedi into new domains: global remittances, cross-border trade settlement, decentralized finance, and digital commerce. It's not a replacement for existing banks or mobile money systems, but a complementary layer that gives them new capabilities.
Ghana cedi backing ratio
Regulatory compliance
Discover how sGHS empowers different sectors and user types across Ghana and the diaspora
Personal & Family Use
Fast, low-cost remittances, digital payments, and access to programmable finance while maintaining full Ghana cedi value.
SMEs & Enterprises
Cross-border trade settlement, programmable payments, and integration with existing banking and mobile money systems.
Fintech & Innovation
Build applications, services, and markets anchored in the cedi with programmable currency capabilities and real-time transparency.
Each sGHS token is backed 1:1 by Ghana cedi reserves held in segregated accounts at regulated financial institutions. Reserves consist solely of cash and short-term Government of Ghana securities, ensuring high liquidity and zero exposure to speculative assets.