Every tool you need to move money — in one wallet.
From everyday spending to running a business, Wallet packs the features African users actually want.
Personal wallet
Free virtual NGN account
Real bank account number, fundable from any Nigerian bank.
P2P transfers
Send by @username, email, or to any Nigerian bank account.
QR receive
Share a QR code to get paid in two taps.
Bills & airtime
MTN, Glo, Airtel, 9mobile, DStv, GOtv, StarTimes & all DISCOs.
Spend & save
Virtual cards
Spend online globally with a Locally-branded virtual debit card.
Vouchers & gifts
Send gift cards and vouchers — single use, expiry, revocable.
Freeze & limits
Freeze cards, set spend limits, and get instant tx alerts.
For business
Escrow holds
Hold funds until both parties confirm. Auto-release after N days.
Payment links
Generate shareable payment pages — fixed or open amount.
Merchant payouts
Scheduled payouts to any bank with configurable platform fees.
Webhooks
Real-time signed webhooks for every credit and event.
