Spend crypto across Nigeria.
Top up your wallet, pay bills and send bank transfers right from the Xpend app. USDT in, Naira out, in seconds.
Wallet funded
USDT · TRC-20
Payout successful
GTBank · 0123 ····
Nigeria runs on crypto liquidity.
But spending it still means screenshots, OTC traders, and lost weekends.
Xpend turns USDT into Naira instantly, inside a mobile app built for the way you already move money.
No bank queues. No browser tabs. Just one app and a number you trust.
The full payments stack.
Four primitives. One app. Every NGN flow you need to run a modern Naira-denominated life.
Turn USDT into local payouts in seconds.
Send Naira to any bank or mobile wallet. The FX rate is locked before you confirm, what leaves your balance is exactly what you saw quoted.
Live rate, locked
Quote held for 90s while you confirm. No drift, no surprises.
Verified accounts
Account-name resolution before you confirm. No mistyped digits.
Instant NGN
Settles to GTBank, Access, Opay, Kuda, PalmPay in under 60s.
Face ID approve
Approve in two taps. The app remembers your favourite payouts.
Everything in one app
A wallet, a bill payer, and a gifting tool, all in your pocket. Free on iOS and Android, ready for Nigeria.
Account recovery
Lost your phone? We've got you covered
Access your Xpend account from any device, anywhere. Your crypto spending power is never truly lost with our multi-device security system.
Instant recovery
Log in from any device with your secure Xpend credentials.
Multi-layer protection
Your funds stay protected with multi-layer security at every step.
Security
Bank-level security for your crypto
Every payment, balance and conversation is protected by layered, institutional-grade security controls.
Built-in security
Hardened mobile-app security, iOS keychain, certificate pinning, and per-device session keys baked in from day one.
Payment passcode
Add a secure passcode to every payment for extra protection and peace of mind.
Private app lock
Require Face ID or a separate passcode to open Xpend, your balance and history stay private.
Biometric login
Use your fingerprint or face to access your account, only you have control.
Loved by builders, bosses and busy households
Built with Nigerians who already lived the workaround.
I cashed out USDT to Naira during a power cut, on my phone, in under a minute.
Adaeze N.
Loyo Foods · Lagos
Paying my suppliers in Lagos used to take a day. With Xpend the rate is locked and it clears straight from the app.
Tomide A.
Reliant Ltd · Abuja
The locked FX quote is the part I trust. I see exactly what leaves my balance before I confirm.
Ifeoma E.
Brightway · Enugu
I sent ₦450,000 to my family's GTBank account from my USDT in 30 seconds, straight from the Xpend app.
Kelechi O.
Port Harcourt
I cashed out USDT to Naira during a power cut, on my phone, in under a minute.
Adaeze N.
Loyo Foods · Lagos
Paying my suppliers in Lagos used to take a day. With Xpend the rate is locked and it clears straight from the app.
Tomide A.
Reliant Ltd · Abuja
The locked FX quote is the part I trust. I see exactly what leaves my balance before I confirm.
Ifeoma E.
Brightway · Enugu
I sent ₦450,000 to my family's GTBank account from my USDT in 30 seconds, straight from the Xpend app.
Kelechi O.
Port Harcourt
Questions, answered.
What is Xpend?
Xpend is a mobile wallet for spending crypto in Nigeria. Hold USDT once and spend natively in NGN (and more regions on the roadmap) while keeping full visibility on every conversion.
How does Xpend work?
Download the app, fund your wallet with USDT, then pay bills, send bank transfers, share payment links, or gift money with Xpacket. You see the rate upfront, confirm, and we settle in seconds.
What chains can I deposit from?
USDT on Tron, Solana, Polygon, Base and Ethereum. USDC on Solana, Polygon and Base. We auto-route outbound to the cheapest chain.
How fast is the NGN payout?
Under 60 seconds to every NGN-licensed bank we've tested, GTBank, Access, Zenith, Opay, Kuda, PalmPay and the rest. We surface the exact settlement time per payout.
Is there a fee?
Flat 0.6% spread on FX. No monthly fee, no minimum balance, no withdrawal fee. The quote you see in the app is the rate you settle at.
What happens if I lose my phone?
Use Block account to freeze access immediately, then contact support or Recover account once you have your new device. See the Lost Phone section on this page for details.
Are funds insured?
Customer balances are held in segregated deposit accounts with our Nigerian banking partners, never co-mingled with operating capital. We're in the CBN Sandbox and SOC 2 Type I as of Q2 2026.
Do you support business accounts?
Yes, see /business for the merchant offer (hosted checkout, programmatic payouts, webhooks, treasury dashboards).
Still have questions?
Our team is one message away. Tap the help icon inside the app, or email support, we reply fast.