The Dollar Operating System for Africa
Live in dollars. Spend anywhere. Save in USDT/USDC, Invest in tokenised stocks, pay bills, send money, and spend globally — from one balance.
Trusted Partners
Built with industry leaders
Blend
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Ethereum
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Currency Collapse
Local currencies keep losing value. Savings erode overnight. The naira has lost over 70% of its value in two years.
USD Access is Broken
Dollar accounts are hard to open. FX is restricted. International card payments fail. The system wasn't built for you.
Crypto Can't Be Spent
Millions hold stablecoins but can't use them for bills, transfers, or daily spending. Holding dollars is not the same as living on them.
Stablecoins solved saving.
They did not solve living.
People don't just want to hold dollars — they want to pay bills in dollars
Send money to family across the continent without losing 5% on FX
Spend globally on subscriptions, platforms, and global commerce
All from a single USD balance — without the complexity of crypto wallets
Everything you need. One balance.
From dollar accounts to global spending, moyopay handles the complexity so you can live your best digital life.
Dollar Account
Open a real USDT/USDC balance in minutes. Deposit crypto/fiat and it auto-converts to USDT/USDC. Multi-chain support included.
Spend Globally
Virtual and physical cards accepted worldwide. Netflix, Amazon, Shopify, flights — spend from your dollar balance anywhere.
Instant Transfers
- Send to phone numbers
- Send to @usernames
- Send to local Banks
- Send to crypto wallet
- Instant notifications
Pay Bills Locally
Airtime, electricity, cable TV, and more — pay any Nigerian utility bill directly from your dollar balance at best rates.
IKEDC Bill
Paid just now
-$12
Airtime Top-up
2 mins ago
-$5
Save & Earn Yield
Flexible savings and fixed-term savings options. Beat inflation by keeping value in a strong, stable currency.
Flexible
Competitive
Locked
Competitive
* Yield rates are variable and not guaranteed. Rates shown are illustrative and subject to change without notice. Past performance is not indicative of future returns.
Seamless On/Off ramping
Real-time naira to USDT/USDC and USDT/USDC to naira conversion at market rates. Instant bank withdrawals when you need local currency.
Invest in Tokenised Stocks
Buy fractional shares in US companies directly from your USDT/USDC balance. Access global equities without a traditional brokerage — simple, fast, and built for African investors.
Moyopay is not a bank
We are a financial orchestration layer — connecting crypto infrastructure, licensed fiat partners, and global card networks into one seamless experience.
Deposit Crypto
Users deposit USDT, USDC, or other stablecoins via multi-chain support. The crypto layer handles value storage with full security.
Fiat Movement via Licensed Partners
All naira movement is handled by CBN-licensed payment processors. Moyopay never holds fiat — it connects users to compliant, regulated rails.
Spend via Global Card Networks
Cards issued through Visa and Mastercard partnerships give users global acceptance wherever cards are taken.
Simple UX on Top
All complexity is hidden. Users see one balance, one app, one account — powered by world-class infrastructure underneath.
Infrastructure Stack
Starting with Nigeria. Built for Africa.
The behavior already exists. The infrastructure does not. Africa is the fastest-growing stablecoin market in the world — and it has no dollar operating system.
Nigeria — Launch Market
200M+ population. Highest crypto adoption in Africa. Severe FX restrictions. Remote work is paying Nigerians in dollars with no easy way to store and use that income.
Africa Expansion
Ghana, Kenya, and South Africa are next. The same pattern — currency instability, growing freelance economy, crypto-native youth — repeats across the continent. Total addressable population: 1.4B.
Stablecoin Volume
$54B+ in annual stablecoin transaction volume in Sub-Saharan Africa and growing. The behavior exists — Moyopay builds the rails to make it usable in everyday life.
Target User Segments
Four forces converging at once
This is the moment African financial infrastructure gets rebuilt from the ground up.
Stablecoin Adoption Exploding
Africa leads the world in peer-to-peer crypto volume. Stablecoin usage is growing 30%+ year-on-year as Africans protect their wealth from local inflation.
Currency Instability at Crisis Levels
The naira has lost approximately 70% of its value since 2020. Demand for dollar-denominated financial products has never been higher or more urgent.
Remote Work is Paying Africans in USD
Africa's fastest-growing worker segment earns in dollars but has no safe, accessible place to store and spend that income in daily life.
Traditional Banks Are Failing Their Customers
Nigerian banks restrict FX access. International transfers take days and cost 5 to 10%. The incumbent financial system is not serving the people who need it most.
Nothing else does all of this
Banks are slow and restrictive. Crypto wallets are complex and unusable daily. Moyopay is the first product built for both worlds.
| Capability | Traditional Banks | Crypto Wallets | Moyopay |
|---|---|---|---|
| USD Account Access | Restricted / Hard | No fiat support | Open in minutes |
| Spend with a card | Limited FX cards | No card | Virtual + physical card |
| Instant P2P transfers | Slow and costly | Wallet addresses only | Username, phone, bank, or wallet |
| Pay local bills | Limited options | Not supported | All utilities supported |
| Stablecoin-native | Not supported | Storage only | Full lifecycle |
| Simple non-crypto UX | Familiar but restrictive | Complex for most users | Simple for beginners; wallet addresses for crypto natives |
Partner-first. Compliant by design.
Moyopay doesn't hold fiat. We connect users to CBN-licensed providers — making compliance scalable and risk manageable from day one.
Crypto Layer
Value stored in USDT and USDC. Non-custodial architecture where users retain control of their assets. Moyopay provides the interface, not the custody.
CBN-Licensed Fiat Partners
All naira movement is handled by CBN-regulated payment processors operating under established compliance frameworks.
Global Card Issuance
Cards issued via Visa and Mastercard partnerships under established global compliance frameworks.
SEC VASP Pathway
Moyopay is structured to register with Nigeria's Securities and Exchange Commission under the ARIP (Accelerated Regulatory Incubation Program) framework established under the Investments and Securities Act 2025.
The default financial layer for 1.4 billion Africans
Africa doesn't lack money. It lacks usable, stable money. Moyopay is building the bridge between crypto and everyday life — where value is stored in dollars, transactions are seamless, and money just works.
“If you believe the future of money in Africa is digital and dollarized — then Moyopay is the infrastructure layer that makes it usable.”
Frequently Asked Questions
Everything you need to know about Moyopay.
Moyopay is a digital wallet built for Africa. Save in USDT/USDC, invest in tokenised stocks, pay local bills, send/receive money, and spend globally — all from one balance.
Your balance is denominated in USDT and USDC — stable digital dollars you can save, send, and spend without managing multiple currencies or complex crypto tools.
Deposit crypto or fiat and it auto-converts to USDT/USDC. Multi-chain support is included, so you can fund your account the way that works best for you.
Yes. Moyopay lets you buy fractional shares in US companies directly from your USDT/USDC balance — no traditional brokerage required.
Send money instantly to phone numbers, @usernames, local bank accounts, or crypto wallets. Choose the option that fits you — whether you're crypto-native or not.
Yes. Pay airtime, electricity, cable TV, and other local utility bills directly from your balance at competitive rates.
No. Moyopay is designed with a simple experience for everyday users. If you're crypto-native, you can also send and receive via wallet addresses.
Moyopay is built partner-first and compliant by design. Naira movement is handled by CBN-licensed partners, cards are issued via Visa and Mastercard partners, and Moyopay is on a SEC VASP registration pathway in Nigeria.
Moyopay is currently in waitlist phase. Join the waitlist to get early access, zero fees at launch, and competitive yields.
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