Wallet · AI agent · live in Nigeria
Fund once. Spend in Naira, ask in chat, share with your people. You approve before anything moves.
Wallet funded
USDT · ready to spend
Order placed
Rice & chicken · Chowdeck
Gift sent on X
@xpendbot · claim link ready
OTC chats and five apps were the old workaround. Xpend is one wallet for spending, asking and sharing money across Nigeria.
Local payouts
USDT in. Naira out to any bank or wallet.
Agent orders
Food and flights from a sentence in chat.
Communities
Shared treasuries with the people you already chat with.
01
Bank transfers, bills and airtime from the same USDT balance.
02
Food, flights and gifts on X. Review the quote, then approve.
03
Communities for shared treasuries. Transfer groups paid with one PIN.
04
Nothing moves until you confirm. Limits, PIN and biometrics on every payout.
Three ways to use one wallet. Same USDT balance. You approve before anything moves.
Spend
Fund once on the chains you already use. Send to any bank or wallet, pay bills and airtime, see the rate before you approve.
Preview
Transfer ₦45,000 · GTBank · Approve
Full demos in the product section below
Four moments that define Xpend. Every one waits for your approval.
Spend
Bank transfers and bills from the same balance. You see the Naira amount and the USDT deducted before anything leaves.
1.See Naira and USDT first
The amount, the rate and what leaves your balance show up before you tap anything.
2.Name check
Account names resolve before you confirm, so mistyped digits get caught early.
3.Approve with PIN
Nothing moves until you confirm. Settles to major banks and wallets fast.
Illustrative example. Account names are checked before you confirm.
Illustrative example. Restaurants, prices and delivery times vary.
Ask · food
Connect Chowdeck once. The agent works from live menus, not guesses, and never places an order you have not seen.
1.Ask in plain language
The agent reads live Chowdeck menus near your saved address.
2.Review the quote
Change items or the address. The total is clear before place.
3.Confirm, then track
The order only goes through after you approve. Status stays in chat.
Ask · gifts on X
Mention @xpendbot on X, approve once in the app, and they get a claim link on justxpend.ai.
1.Mention @xpendbot on X
Post @xpendbot gift @friend 1k, or gift several people in one mention.
2.Approve once in the app
Review the gift and confirm with your payment PIN.
3.They get a claim link
@xpendbot replies with a justxpend.ai/claim link before it expires.
Illustrative example on X. Gift amounts and recipients vary.
Illustrative example. Create a community and link your chat in the app.
Share · Communities
Shared treasuries on WhatsApp. Collect without chasing. Full audit trail for everyone in the group.
Transfer groups (XTG) cover payroll-style payouts with one PIN.
Also in Spend, Ask and Share
Flights
Ask for a route, compare fares, book from your balance.
Transfer groups
Pay family or payroll batches with one PIN.
Autopay
Recurring rent and bills with limits you set.
Learns with you
Remembers who you pay and how you order. Clear anytime.
Get Xpend
Fund with USDT. Spend in Naira. Ask in chat. Run Communities with your people. The product is the app.
Invoices, goals, statements and more. Not the core story, ready when you need them.
Invoices & payment links
Create an invoice, share the link and track whether it has been paid.
XPackets
Send money as a gift link with optional expiry. Claimed with an Xpend account.
Savings goals
Set a target and a date, then track progress and weekly pace.
Scheduled payments
Repeat a payment on a schedule. Cancel anything you no longer need.
Fund in USDT or Naira
Deposit on Tron, Solana, Polygon, Base or Ethereum, or add Naira with your account number.
Live rates & limits
Check the live USDT to Naira rate and raise limits with identity verification.
Statements & receipts
Full history with receipts and downloadable PDF statements.
Referrals
Invite friends to Xpend and earn rewards when they join.
Invoices & payment links
Create an invoice, share the link and track whether it has been paid.
XPackets
Send money as a gift link with optional expiry. Claimed with an Xpend account.
Savings goals
Set a target and a date, then track progress and weekly pace.
Scheduled payments
Repeat a payment on a schedule. Cancel anything you no longer need.
Fund in USDT or Naira
Deposit on Tron, Solana, Polygon, Base or Ethereum, or add Naira with your account number.
Live rates & limits
Check the live USDT to Naira rate and raise limits with identity verification.
Statements & receipts
Full history with receipts and downloadable PDF statements.
Referrals
Invite friends to Xpend and earn rewards when they join.
Trust
Segregated balances with Nigerian banking partners. CBN Sandbox. Nothing leaves your wallet until you confirm.
Hardened mobile app
Keychain storage, certificate pinning and per-device session keys from day one.
Payment passcode
Every payout can require your PIN, even after Face ID unlocks the app.
Private app lock
Require biometrics or a passcode to open Xpend so balances stay private.
Biometric login
Fingerprint or face to get in. Only you control the session.
Account recovery
Freeze access in one tap, then restore your account when you are ready. Your spending power is not trapped on one handset.
Instant recovery
Sign in from a new device with your Xpend credentials.
One-tap block
Freeze the account immediately if the phone is gone.
Composite stories based on how Nigerians use Xpend today. Not paid endorsements.
Sent mum ₦45k from USDT, saw the rate, approved with PIN. Cleared to GTBank before the generator kicked in.
Adaeze N.
Lagos · Spend
Told Xpend I wanted jollof near the office. Confirmed the quote. Same wallet I use for bills.
Kelechi O.
Port Harcourt · Ask
Trip group on WhatsApp finally has a treasury. People pay the web link. Nobody chases dues on Sunday.
Tomide A.
Abuja · Share
Gifted on X with @xpendbot, approved once, claim link landed in the thread. Felt native to the feed.
Ifeoma E.
Enugu · Ask
Sent mum ₦45k from USDT, saw the rate, approved with PIN. Cleared to GTBank before the generator kicked in.
Adaeze N.
Lagos · Spend
Told Xpend I wanted jollof near the office. Confirmed the quote. Same wallet I use for bills.
Kelechi O.
Port Harcourt · Ask
Trip group on WhatsApp finally has a treasury. People pay the web link. Nobody chases dues on Sunday.
Tomide A.
Abuja · Share
Gifted on X with @xpendbot, approved once, claim link landed in the thread. Felt native to the feed.
Ifeoma E.
Enugu · Ask
Xpend is a mobile wallet for spending crypto in Nigeria. Fund with USDT, then spend in Naira, ask in chat for food or flights, gift on X, and run Communities or transfer groups. You approve before anything moves.
Download the app, fund your wallet with USDT (or add Naira), then Spend, Ask or Share. Transfers, bills, agent orders, gifts and group money all use the same balance. You see the quote upfront, confirm with your PIN, and we settle fast.
USDT on Tron, Solana, Polygon, Base and Ethereum. USDC on Solana, Polygon and Base. We auto-route outbound to the cheapest chain.
Under 60 seconds to every NGN-licensed bank we've tested, GTBank, Access, Zenith, Opay, Kuda, PalmPay and the rest. We surface the exact settlement time per payout.
Flat 0.6% spread on FX. No monthly fee, no minimum balance, no withdrawal fee. The quote you see in the app is the rate you settle at.
Use Block account to freeze access immediately, then contact support or Recover account once you have your new device. See the Lost Phone section on this page for details.
Customer balances are held in segregated deposit accounts with our Nigerian banking partners, never co-mingled with operating capital. We're in the CBN Sandbox and SOC 2 Type I as of Q2 2026.
Yes. Buy airtime and data, pay cable TV and electricity bills, and schedule payments for the bills you pay every month.
Yes. Use Transfer groups (XTG) to save family or payroll batches with preset amounts (import a spreadsheet if you like), then pay the whole group with one PIN. You can also send a quick ad-hoc batch to a few people without saving a group.
Communities give your group chat a shared wallet. Link WhatsApp, collect for trips or weddings without chasing people, pool a treasury toward goals, and ask @xpend in chat who contributed and what is left. Friends can pay via web checkout even without the app, and withdrawals can require group votes.
Yes. As you use Xpend it learns who you pay, where you order food, how you like to travel, and anything you ask it to remember. You can review or clear that in the app anytime.
Yes. Create an invoice with a single amount or itemised line items, share the payment link, and track whether it has been paid.
XPackets are gifts of money you send as a link. Recipients claim them with an Xpend account, and you can set an expiry time for unclaimed gifts.
Yes. Mention @xpendbot with a gift command (for example @xpendbot gift @friend 1k), then approve once in the Xpend app with your payment PIN. @xpendbot replies with a justxpend.ai/claim link before the gift expires.
Yes. Enable Flight bookings in the app, then ask the agent for a route and dates. Xpend compares fares by airline and price. You choose an option, review the total, and pay from your balance, for yourself or someone you've saved in Xpend.
Yes. Create a savings goal with a target amount and a date, then track your progress and weekly pace until you reach it.
Yes — see merchant.justxpend.ai for the merchant offer (hosted checkout, programmatic payouts, webhooks, treasury dashboards).
Browse the FAQ, talk to support, or jump back to the product demos. When you are ready, the app is free.
