BeyondLimits.

Convert crypto into everyday spending power. Spend by card, make bank transfers, and send stablecoins globally.

Someone relaxing in a yellow armchair, holding a phone open on the Bitmoni app home screen

Crypto and fiat deposits.

Fund your wallet the way that suits you. Send crypto in and it lands as cash the moment the network confirms, with no sale to wait on and no price risk while you do. Or top up from your bank account by transfer.

Get the app

A globe ringed by silver coins for Bitcoin, Ethereum, Solana, the naira, USDT and USDC

Security without the friction.

Bitmoni combines intelligent security, verified access and transparent crypto-to-fiat conversion to keep your money protected.

Bank transfers.

Send money from your wallet straight to a bank account, instantly. Paying another Bitmoni user? It's free to their @username.

Bitmoni app screens for sending money: the Send money options, the Send to bank form, a successful transfer of 74,100 naira and the cash balance

Send stablecoins globally.

Send USDT or USDC to any wallet address, in any country. Bitmoni converts at the point of transfer, so all you do is choose who gets it and press send.

You send

USDT

They receive

GBP

Live rates are unavailable right now. The app quotes you a rate before you send anything.

Straight from your balance, at a stable value. No foreign account or exchange to go through, and pegged to the dollar, so what you send holds its worth on the way.

Indicative mid-market rates, before network fees. The app shows exactly what they receive before you confirm. Coin prices come from CoinGecko every minute; some currencies are priced through the dollar and update daily.

The only card you need

Pay online and in-store with the Bitmoni card, straight from your wallet.

Physical cardTap to pay in shops, restaurants and anywhere cards are accepted.
Virtual dollar cardPay for subscriptions, apps and online shopping in US dollars.

Get the app

A customer holding a black Bitmoni Visa card to a contactless card terminal at a shop counter

Frequently
Asked
Questions

More answers in the help centre. Or email support@bitmoni.africa and a human will answer.

Which cryptocurrencies can I send?

Bitcoin, Ethereum, USDT, USDC, Solana, XRP and other major crypto assets. Stablecoins arrive on several networks: USDT lands on Tron, Ethereum, BNB Smart Chain, Solana or Polygon, so you can pick whichever is cheapest. Send to the deposit address the app generates and it converts to cash in your wallet once the network confirms it.

Can I buy crypto or hold a crypto balance on Bitmoni?

You cannot buy crypto or keep a crypto balance. Crypto you deposit converts to cash the moment it lands, so you never carry price risk waiting for a sale to clear. What you can do is send stablecoins out: choose USDT or USDC, enter any wallet address in the world, and Bitmoni converts from your balance at the point of transfer.

What is the difference between the cards?

Physical cards for paying in person, virtual cards for paying online, and dollar cards for paying in US dollars anywhere in the world. Dollar payments convert at the live rate plus our spread at the moment they happen. No card holds a balance of its own — every card spends straight from your wallet.

What do I need to sign up?

A phone number, an email address, and a valid government ID for identity verification. You only verify once, and it unlocks every feature in the app.

Does Bitmoni hold my crypto?

No. Deposits convert to cash as soon as the network confirms them, and a stablecoin transfer converts from your balance only at the moment you send it, so Bitmoni never keeps a crypto balance for you.

How do I keep my cards safe?

Freeze any card instantly, switch international, online and ATM payments off independently, cap what a card can spend, and put a PIN on every transfer rather than only at login.

Open your account and enjoy seamless transactions today.

A hand holding a phone showing the Bitmoni app home screen, with a naira cash balance and recent activity