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Crypto and Fiat
Payments
Made Easy.

ZWAP Devices

Deposit any crypto and get naira instantly. Buy any token with just a wallet address. Save in stablecoins. Withdraw to any bank. One platform — zero friction.

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Supported tokens
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Conversion time
0
Off-ramp fee
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Countries via Visa
Simple by design

Deposit. Buy. Withdraw.

Whether you're converting crypto to naira or buying tokens with a wallet address — ZWAP makes both feel as simple as a bank transfer.

Deposit screen
Deposit & Auto-Convert

Send any supported crypto to your ZWAP address. The moment it lands, ZWAP converts it to naira automatically — no button, no waiting. Under 60 seconds.

Buy Crypto screen
Buy Crypto by Wallet Address

Enter any destination wallet address, pick the network, pay from your naira balance. Crypto lands in that wallet. No seed phrases. No connect-wallet. Just like a bank transfer.

Withdraw screen
Withdraw or Spend

Withdraw naira to any bank account in seconds, or spend globally with your ZWAP Visa card in 200+ countries. Zero manual conversion at checkout.

Five core pillars

Everything built
around your money.

Five products that work independently and together. Each one solves a problem the existing market hasn't fixed.

01
Instant Crypto Off-Ramp

Send crypto — naira appears. Automatically. No "Convert" button. No waiting. Naira credited within 30–90 seconds of blockchain confirmation.

02
Buy Any Crypto — New Way

Enter a wallet address, pick the network, pay from your naira balance. Crypto lands there. No custodial wallet. No connect-wallet flow. Works like a bank transfer.

03
Naira Balance & ZID Privacy

Every account includes a virtual bank account. Transactions show your ZID alias — not your legal name. Fully KYC-compliant. Identity shielded from third parties.

04
Stablecoin Savings Vault

Save in USDT or USDC — not naira. Hold dollar value while naira inflates. Flexible vaults or fixed-term with yield. Balance shown in both USD and NGN live.

05
ZWAP Visa Debit Card

Physical and virtual Visa cards. Funded from your ZWAP balance. Spend everywhere Visa is accepted globally. No manual top-up. Real-time notifications.

Product Views

Designed for the way you actually use money.

Clean, fast, and intuitive whether you're on your phone or your laptop. ZWAP works beautifully on every screen.

Step 01

Dashboard Overview

Your financial command center. Track your entire portfolio across all assets, review full transaction history, and manage your funds instantly.

Dashboard Overview screen
Step 02

Buy Crypto Instantly

Convert your Naira to crypto effortlessly. Purchase massive volumes with transparent, low fees and send directly to any external wallet.

Buy Crypto Instantly screen
Step 03

Deposit & Auto-Convert

Deposit stablecoins or major tokens seamlessly from any supported network. Get credited in seconds with the best available routing.

Deposit and Auto-Convert screen
Step 04

Receive via ZWAP ID

Receive zero-fee transfers instantly. Share your unique ZID or QR code with any ZWAP user for immediate, secure funding without exposing bank details.

Receive via ZWAP ID screen
Step 05

Instant Bank Withdrawals

Withdraw your balance to any Nigerian bank. Calculate exact fees upfront and choose your ZID alias for recipient privacy.

Instant Bank Withdrawals screen
Step 06

Stablecoin Wealth Vault

Protect your wealth from inflation. Convert your fiat to USDC or USDT and earn yields securely with flexible or locked plans.

Stablecoin Wealth Vault screen
Dashboard Overview screen Buy Crypto Instantly screen Deposit and Auto-Convert screen Receive via ZWAP ID screen Instant Bank Withdrawals screen Stablecoin Wealth Vault screen
Why ZWAP

Built different.
On purpose.

Every other platform makes you do the work. ZWAP does it for you.

  • 01
    No manual conversion — ever
    Send crypto, naira appears. No "Convert" button. No waiting screens. Converts automatically the moment it lands on-chain.
  • 02
    A completely new way to buy crypto
    No wallet creation. No seed phrases. No connect-wallet. Enter any wallet address, pick the network, pay from your balance. Done.
  • 03
    Your name stays private
    Transactions show your ZID alias — not your legal name. Fully KYC-compliant. Shielded from counterparties.
  • 04
    Save in dollars. Withdraw in naira.
    Your vault holds USDT — not naira. You preserve dollar value the entire time. No inflation erosion. Withdraw when you need it at the live rate.
ZWAP — Transaction Log
STATUS ● CONFIRMED
ASSET 200.00 USDT (TRC-20)
FROM 0x7A3F...D91C
RATE ₦1,500.00 / USDT
──────────────────────────────
GROSS ₦300,000.00
FEE ₦2,550.00 (0.85%)
NET ₦297,450.00
──────────────────────────────
CREDITED Naira Balance
ZID ZID-4X9RK2
TIME 38 seconds
──────────────────────────────
Auto-converted. Balance updated. _
ZWAP Visa Card

Spend anywhere
Visa is accepted.

Almost EVERYWHERE.

Physical and virtual cards funded directly from your ZWAP balance. 200+ countries. No manual conversion at checkout.

  • Physical and virtual card options
  • Funded from Naira Balance or Stablecoin Vault
  • Accepted at 40M+ merchants worldwide
  • Auto-converted at point of sale
  • Real-time spend notifications
  • ATM cash withdrawals globally
**** **** **** ****
CARDHOLDER
*** ***
VISA
****  ****  ****  ****
Card Holder
*** ***
Expires
**/**
VISA
FAQ

Common questions

ZWAP is a crypto & fiat payments platform that automatically converts incoming cryptocurrency to local naira the moment it arrives. You can also buy crypto by wallet address, save in stablecoins, and withdraw to any bank account.
Send any supported crypto to your ZWAP deposit address. We detect it on-chain, convert to naira at the live rate, deduct 0.85%, and credit your balance — within 30–90 seconds. No action from you.
Navigate to Buy Crypto. Select a token, enter the amount, type in any destination wallet address, choose the network, and confirm. ZWAP deducts from your naira balance and sends crypto directly to that wallet. No wallet creation inside ZWAP. No seed phrases needed.
18+ tokens including USDT, USDC, BTC, ETH, BNB, SOL, MATIC, ARB, TRX, XRP, DOGE, TON, AVAX, BUSD, DAI, OP, LTC and more — across TRC-20, ERC-20, BEP-20, Base, Solana, Polygon and more networks.
Crypto deposits: 0.85% off-ramp fee. Buying crypto: 0.50% platform fee + exact network fee at cost. Naira withdrawals: ₦10 (up to ₦200K) · ₦50 (₦200K–₦1M) · ₦100 (above ₦1M). Naira deposits always free. Minimum withdrawal: ₦100.
ZID is your ZWAP Identification Tag — an alias replacing your legal name on transaction records. Counterparties see "ZID-XXXXXX" not your name. All users are fully KYC-verified.
Yes. Full KYC (BVN, NIN, government ID). Funds held with licensed banking partners. Real-time fraud monitoring. ZWAP never stores your private keys — your external wallet is always yours.
Live in Nigeria at launch. Ghana, Kenya, and South Africa next. Then Latin America, Southeast Asia, and the Middle East — all regions where crypto-to-fiat infrastructure is severely underserved.
Get started

Crypto & fiat
payments made easy.

Deposit. Buy. Save. Withdraw. Everything in one place — built for you.