Sell USD stablecoins for Naira instantly. Swap any crypto effortlessly.

No KYC and no account is required. You can convert up to $150 worth of USDT or USDC per day to Naira instantly with zero sign-up. For Swap & Bridge, just connect your crypto wallet and go — completely permissionless. Creating a free CreedPay account unlocks higher offramp limits, a personal wallet, transaction history, bank transfers, CreedPay ID transfers, and referral rewards.

Converting USDT or USDC to Naira on CreedPay takes three steps: select your blockchain network and enter your Nigerian bank details, generate your unique deposit address, then send your USDT or USDC to that address. Once confirmed on-chain, the equivalent Naira is automatically sent to your bank account — no P2P, no manual processing, no waiting for a buyer.

You can offramp between $0.50 and $150 worth of USDT or USDC per day without an account or KYC. CreedPay supports 7 blockchain networks for Naira offramp: Ethereum, Binance Smart Chain (BSC), Polygon, Solana, Arbitrum, Base, and Optimism. Registered users access higher limits and more transfer options.

Swap & Bridge is CreedPay's LI.FI powered cross-chain feature. It lets you swap between hundreds of crypto tokens or bridge assets across multiple blockchains — ETH, BNB, MATIC, SOL, and more — without converting to Naira or fiat. No KYC, no account needed. Just connect your Web3 wallet, choose your tokens, and LI.FI automatically routes your swap through the best available DEXs and bridges for the optimal rate.

CreedPay's exchange rates are live and pulled in real time from multiple liquidity sources, so you always get a competitive USDT to Naira or USDC to Naira rate. The rate is shown upfront before you commit to a transaction — no hidden fees, no rate surprises. What you see is exactly what you receive in your Nigerian bank account.

CreedPay's Naira settlement is fully automated with zero manual processing. Once your USDT or USDC transaction confirms on-chain, Naira is sent directly to your Nigerian bank account — typically within seconds. There is no P2P wait time, no human approval, and no delays. Settlement speed depends only on how fast your chosen blockchain network confirms the transaction.

An account gives you a dedicated personal crypto wallet, complete transaction history, internal CreedPay ID transfers, direct Nigerian bank transfers, in-app token swaps from your wallet balance, and access to the referral program — where you earn rewards from every transaction your referred users make. Crypto to Naira offramp and Swap & Bridge are still available to everyone without an account.

First, check your transaction hash (TX hash) on the relevant blockchain explorer — Etherscan, BscScan, Polygonscan, or Solscan depending on your network — to confirm the on-chain status. If your transaction is confirmed on-chain but Naira hasn't arrived after 5 minutes, contact CreedPay support via live chat or email. Our team is available 24/7 and typically responds within minutes.