01
Receive crypto
Share an address or a TranxactPay link. Clients and supporters pay in BTC, ETH, USDT, USDC, SOL, BNB, or TRX.
Early access in Nigeria
Receive crypto from anywhere. Get naira instantly. Send to banks, pay bills, and get paid without waiting on a P2P buyer.
CAC registered. 7 assets. ₦0 to send to Tranxact users
Top up with crypto. Converted to naira at today's rate and credited to your main balance.
To Tranxact user or any Nigerian bank.
Free between Tranxact users
Pay from your naira balance. No extra app, no card.
Tap Receive, Send, Pay, or Bills
7
Cryptocurrencies auto-converted to naira
₦0
Fees sending to other Tranxact users
1
Balance. Crypto in, naira out, ready to spend
How it works
01
Share an address or a TranxactPay link. Clients and supporters pay in BTC, ETH, USDT, USDC, SOL, BNB, or TRX.
02
Every inbound crypto payment converts automatically and credits your main balance. No second wallet to babysit.
03
Send to any Nigerian bank, pay airtime, data, electricity, TV, or betting, or transfer to another Tranxact user for free.
Conversion
P2P means chatting a stranger, waiting, and hoping they release. Tranxact takes the crypto, converts it, and puts spendable naira in your wallet.
TranxactPay
Create a link from the app. Share it on WhatsApp, Instagram, or your site. Clients pay in naira or crypto. You see one clean balance.
Payment link
tranxact.co/pay/aiden-studio
₦45,000.00
Design consultation, invoice #0412
Why Tranxact
Who it's for
Invoice clients anywhere. Crypto or naira lands in one balance you can spend today.
A Tip Me link that stays open. Audience pays without a card, you get naira instantly.
Payment links and QR for products, retainers, and walk-in customers.
Sell tickets or take payment in person. Settlement is your Tranxact balance.
Features
Receive, convert, send, pay bills, and get paid without a second app or a P2P chat.
One spendable balance. Fund with crypto or naira.
Tranxact users for free, or any Nigerian bank.
BTC, ETH, BNB, USDT, USDC, TRX, SOL.
Invoices, tips, QR. Share and get paid.
Airtime, data, electricity, TV, betting.
Every move is booked the way banks book it.
Infrastructure
Tranxact Technologies Ltd is registered with Nigeria's Corporate Affairs Commission. Transactions run on a double-entry ledger, the same principle banks use, so a balance cannot silently drift. Fees for conversion, TranxactPay, and withdrawals are shown before you confirm. Never hidden.
Journal
12 Aug 2026, 8 min
A client wants to pay in USDT. Here is exactly what happens, what to send them, and how the naira ends up in a wallet you can actually spend.
4 Aug 2026, 6 min
Both are dollars on-chain. The network, the issuer, and who is paying you decide which one you should actually ask for.
28 Jul 2026, 9 min
Quote in naira, settle in crypto, and stop letting a six-hour BTC swing eat your fee.
FAQ
Yes. Tranxact Technologies Ltd is registered with the Corporate Affairs Commission (CAC) in Nigeria.
Seven, currently: BTC, ETH, BNB, USDT, USDC, TRX, and SOL. Whatever comes in is converted to naira automatically and credited to your main balance. No separate crypto wallet to manage.
Blockchain transactions can't be reversed once sent. If crypto is sent on a different network than the address was generated for, those funds may be permanently unrecoverable. Always double-check the network shown before sending. This is the most important thing to get right.
Sending money to other Tranxact users is free. Small fees apply to crypto conversion, TranxactPay transactions, and bank withdrawals. The exact amount is always shown before you confirm.
Yes. Create a payment link, a QR code, or a Tip Me link from the app and share it anywhere. Every payment lands directly in your Tranxact balance.
WhatsApp +234 705 886 6702, hello@tranxact.co, or X @tranxactng. Real replies from real people.
Accept payments. Spend instantly. Manage everything in one place. We'll tell you the moment early access is live.
Journal
Notes for Nigerian creators and freelancers who take crypto and need naira they can actually spend.
12 Aug 2026, 8 min
A client wants to pay in USDT. Here is exactly what happens, what to send them, and how the naira ends up in a wallet you can actually spend.
Read article →Both are dollars on-chain. The network, the issuer, and who is paying you decide which one you should actually ask for.
4 Aug 2026
6 min
Quote in naira, settle in crypto, and stop letting a six-hour BTC swing eat your fee.
28 Jul 2026
9 min
From the moment the transaction hits the chain to the moment naira is sitting in a wallet you can spend. A walkthrough, not a whitepaper.
18 Jul 2026
7 min
12 Aug 2026, 8 min
A client wants to pay in USDT. Here is exactly what happens, what to send them, and how the naira ends up in a wallet you can actually spend.
You finish a job. The client is in London, or Dubai, or somewhere your bank does not like. They ask: can I pay in USDT? You say yes because saying no means waiting another two weeks for a wire that might bounce. Then you sit there wondering what you just agreed to.
This is the first-payment guide we wish someone had handed us. No theory. Just what to send, what to check, and how the money becomes naira you can spend.
You need an address on the right network, a way to convert the crypto without hunting a P2P buyer, and a naira balance you can send to a bank or pay a bill from. That is the whole stack. Everything else is decoration.
Do not send a screenshot of a random exchange deposit screen. Send one thing: a TranxactPay invoice, or a receive address with the network named in the same message. Example: “Please send 120 USDT on TRC-20 to this address. Any other network and the funds may be lost.”
If they are paying for a specific job, use an invoice link with the amount locked. If they tip you often, a Tip Me link that stays open is cleaner. Either way they pay from their wallet. You do not give them your bank details.
On a typical P2P app the crypto lands, then you list naira for sale, then a stranger chats you, then you argue about rate, then you wait for them to release. That is four extra steps after you already did the work.
On Tranxact the inbound payment converts as it arrives. The naira hits your main balance. From there you send to any Nigerian bank, pay airtime or electricity, or transfer to another Tranxact user for free. No buyer. No chat.
Wrong network. If they send USDT on ERC-20 to a TRC-20 address, those funds are usually gone. Confirm the network on your receive screen, write it in the message, and do not accept “I already sent it” as a substitute for checking. Blockchain payments do not reverse.
Do that once, correctly, and the second payment is boring. That is the point.
4 Aug 2026, 6 min
Both are dollars on-chain. The network, the issuer, and who is paying you decide which one you should actually ask for.
Clients will offer whichever stablecoin their wallet already holds. Your job is not to win an internet argument about Tether. It is to get paid without losing money to the wrong network or a surprise conversion.
USDT on Tron is popular because fees are low and almost every P2P desk in Lagos already speaks it. USDC on Solana is fast and cheap. USDC or USDT on Ethereum works, but the gas can eat a small invoice. If a client insists on ERC-20 for a ₦40k job, the fee may be a real percentage of the payment.
Tranxact accepts USDT and USDC (alongside BTC, ETH, SOL, BNB, and TRX) and converts inbound payments to naira automatically. You do not keep a dollar balance you then have to sell.
Name the asset and the network. “120 USDT, TRC-20” is a complete instruction. “USDT” by itself is not. If you use a TranxactPay link, the receive screen already shows the network next to the address. Send them the link and the guesswork goes away.
If a regular client always pays the same coin, save that as their default. Switching networks mid-relationship is how wrong-chain transfers happen.
USDC is issued by Circle, a regulated US company. USDT is issued by Tether and is larger by circulation. For the size of invoice most freelancers take, issuer risk is not the thing that loses you money. Wrong network is. Ask for the coin the client already holds, on a network you have an address for, and convert to naira the moment it lands.
28 Jul 2026, 9 min
Quote in naira, settle in crypto, and stop letting a six-hour BTC swing eat your fee.
You quoted $200 when BTC was one number. They paid three days later when it was another. You did the same work and took home less. That is not “the market.” That is a pricing bug.
Your cost of living is naira. Food, data, rent, the generator. Price the job in ₦, then let the payment convert at the rate on the day it arrives. Do not lock a BTC amount on Monday for a transfer that happens Friday.
Stablecoins (USDT, USDC) remove most of that swing. If a client can pay in either, prefer that for anything that is not a large, immediate transfer. Bitcoin is fine when you are converting on arrival, not when the invoice sits unpaid for a week.
A simple line on the invoice: “Amount locked for 48 hours. After that the naira total is recalculated.” That is normal in any business that deals with FX. You are not being difficult. You are not absorbing their delay for free.
If the client paid you to do a job, that money is operating capital, not a trade. Convert on arrival. If you want to speculate, do it with money you can afford to watch. Mixing the two is how freelancers end up unable to pay rent after a green candle they did not sell.
Tranxact converts inbound crypto to naira automatically so the default is the professional one: get paid, see naira, spend. You can still send, pay bills, or withdraw to a bank from the same balance.
Network fees and conversion fees are real. If you swallow them silently, you discounted the job. Either gross up the invoice so the naira you need is what lands, or show the fee before the client confirms, which is how TranxactPay presents it. Hidden fees are how trust dies. Surprise shortfalls are how you work cheaper than you meant to.
18 Jul 2026, 7 min
From the moment the transaction hits the chain to the moment naira is sitting in a wallet you can spend. A walkthrough, not a whitepaper.
Someone just sent you bitcoin. Congratulations. Also: it is not naira yet, it is not in your bank, and if you treat a block explorer screenshot as “paid in full” you will get hurt.
A Bitcoin payment is a transaction on a public chain. It is not done the second they hit send. For an invoice you care about, wait for confirmations before you deliver the files. Your wallet should show the payment as pending, then completed. Do not ship on “I have sent it” alone.
The old path: BTC sits in an exchange or a P2P app. You list naira. A buyer chats you. You argue. Maybe it releases today. Maybe it does not.
The Tranxact path: inbound BTC is converted automatically and credited to your main naira wallet. Same wallet you send from, pay bills from, and receive other payments into. No separate “crypto tab” you have to remember to cash out.
That is the product. Crypto in, naira you can actually use. The ledger books the deposit, the conversion, and the spend the same way a bank would, so the balance you see is the balance that is there.
Check three things: the network fee the sender paid (that comes out of their side, not yours), the conversion fee shown before credit, and whether they sent the full invoice amount. If they underpaid, do not deliver the rest of the work until the remainder lands. A partial Bitcoin payment is not a rounding error. It is an unpaid invoice.
Once it is credited, treat it as naira. Send it, spend it, or leave it in the wallet. The bitcoin part of the story should already be over.
Aiden Studio
@aiden on TranxactPay
Design consultation
₦45,000.00
Invoice #0412
Demo checkout. Real payments will settle to a Tranxact wallet after launch. Fees are shown before confirm. Never hidden.
Payment received
Demo only. No money moved. On launch, this credits Aiden Studio's Tranxact balance instantly.
Back homeAiden
@aiden on TranxactPay
Support Aiden's work
Any amount
Demo checkout. Real payments will settle to a Tranxact wallet after launch. Fees are shown before confirm. Never hidden.
Payment received
Demo only. No money moved. On launch, this credits Aiden's Tranxact balance instantly.
Back homeJaffar
@jaffar on TranxactPay
Event ticket
₦12,500.00
Early-bird
Demo checkout. Real payments will settle to a Tranxact wallet after launch. Fees are shown before confirm. Never hidden.
Payment received
Demo only. No money moved. On launch, this credits Jaffar's Tranxact balance instantly.
Back homeHome / Privacy
Last updated 12 September 2026
Tranxact Technologies Ltd ("Tranxact") is a Nigerian company building a wallet that turns inbound crypto into spendable naira.
If you join the waitlist we collect the email you submit, and optionally your name and how you plan to use Tranxact. We use this only to notify you about early access and product updates. We do not sell this list.
When the product launches we will collect account information required to operate a payments service (identity, transaction records, device data). That policy will be updated before launch. Crypto deposits are public on-chain; we never ask you to share a private key.
Contact: hello@tranxact.co.
Home / Terms
Last updated 12 September 2026
Tranxact is currently in waitlist. Joining does not create an account, a deposit facility, or a right to service. Early access may be limited.
Blockchain transfers cannot be reversed. Sending assets on the wrong network can mean permanent loss. Always match the network shown in the app before you send.
Demo payment pages on this site do not move real money. They exist to show how TranxactPay will work at launch.
Fees for conversion, TranxactPay, and bank withdrawals will be disclosed in-app before you confirm. Transfers between Tranxact users are free.
Questions: hello@tranxact.co or WhatsApp +234 705 886 6702.