PayBlocx

Best rates Pegged at official rates

Send, Swap and Hold Money Across Nigeria and Ghana with One Wallet

PayBlocx gives you Naira, Cedi and stablecoin wallets in one app. Get the best rates, pegged at official exchange rates, and send to any bank, mobile money wallet or PayBlocx @tag in seconds.

Wallets screen with Naira, Cedi, USDT and USDC balances
Home screen with gross wallet balance and quick actions
Send money options: bank transfer, mobile money and PayBlocx tag
Insights screen with net worth, income and expenses

One app for the currencies and payout rails you actually use.

  • Nigerian Naira
  • Ghana Cedi
  • Tether USDT
  • USD Coin
  • Mobile money
  • PayBlocx tags

Naira & Cedi accounts

Say Goodbye to Cross-Border Payment Hassles

Get verified once and receive money into your own Naira and Ghana Cedi account details, all inside one app.

  • Separate apps for every currency
  • Waiting days for cross-border transfers
  • Queues at the bank or a forex desk
  • Inflated street exchange rates
  • No clear view of your total balance
  • Limited ways to pay out in Ghana
  • Long, paper-based verification
  • Fees you only see afterwards
  • Sharing long account numbers for small payments
Wallets screen with Naira, Cedi, USDT and USDC balances

Local accounts in minutes

Verified users get a Naira account number and a Ghana Cedi account to receive bank transfers, plus your own USDT and USDC deposit addresses.

Best rates · Official rates

The Best Rates, Pegged at Official Rates

Every swap between Naira, Cedis, USDT and USDC is priced from official exchange rates, not inflated street rates. Your quote is locked before you confirm, so the rate you see is the rate you get.

Currency picker for sending to Nigeria or Ghana

Official rates, locked in

Get the best rate on every swap, pegged at the official rate and held for you while you confirm.

  • Nigerian Naira

    Your own account number · payouts to any Nigerian bank

  • Ghana Cedi

    Payouts to Ghanaian banks and MTN, Telecel and AirtelTigo MoMo

  • Tether (USDT)

    Hold dollar value · receive on-chain to your own address

  • USD Coin (USDC)

    Swap to and from Naira or Cedis in seconds

  • PayBlocx tags

    Send to any PayBlocx user instantly with their @tag

Send & receive

Experience Seamless Money Transfers

Pay a bank account, a mobile money wallet or another PayBlocx user from the same screen.

  • Typing the same account details every time
  • Guessing whether the account name is right
  • Waiting days for cross-border transfers
  • No receipt to show you've paid
  • Different apps for bank and MoMo
  • Fees you only see afterwards
  • Unclear transfer status
  • Approving payments with only a password
  • Sharing long account numbers for small payments
Send money screen with bank, mobile money and tag options

Effortless Payments

Saved beneficiaries, automatic account-name checks, live status and a shareable receipt for every transfer.

Move Money Between Naira, Cedis and Dollars in Seconds

  • Best rates, pegged at official rates
  • PIN or Face ID on every payment
  • Instant @tag transfers

Security

Built to Keep Your Money Safe

“Every payment needs your 4-digit transaction PIN or Face ID, so nobody moves your money without you.”
Transaction PIN & biometricsOn every transfer, swap and withdrawal
“See every device signed in to your account and log the others out with one tap.”
Device managementNew-login alerts by push and email
“Turn on two-factor authentication with an authenticator app to keep your login yours.”
Two-factor authenticationOptional, set up in seconds
“Verified identities and tiered limits keep the platform safe for everyone who uses it.”
Identity verificationHigher limits as you verify more

FAQ’s

Got questions?

Get the answers to your questions about PayBlocx.

When can I start using PayBlocx?

We're opening access in phases. Join the waitlist with your phone number or email and we'll tell you as soon as your account is ready.

What is PayBlocx?

PayBlocx is a multi-currency wallet for Nigeria and Ghana. Hold Naira, Cedis, USDT and USDC, swap between them at locked rates, and send money to banks, mobile money wallets or other PayBlocx users by @tag.

Which currencies can I hold?

Nigerian Naira (NGN), Ghana Cedi (GHS), Tether (USDT) and USD Coin (USDC). Each wallet unlocks as you complete the matching verification step.

How are your exchange rates set?

Our rates are pegged at official exchange rates, so you get the best rate without parallel-market markups. Every swap shows a quote that's locked for a short time before you confirm.

How do I verify my identity?

Verification happens inside the app. Start with your basic ID details, then add documents to move up a tier. Each tier unlocks more currencies and higher daily limits.

How long do transfers take?

Transfers to other PayBlocx users by @tag are instant. Bank and mobile money payouts are usually completed within minutes, and you can track the status of each one in the app.

Are there any hidden fees?

No. Any fee is shown before you confirm a transaction, together with the total amount that will leave your wallet.

Be First to Get PayBlocx

Join the waitlist and we'll let you know as soon as your multi-currency wallet is ready.