Licensed digital wallet · Nigeria
Send and receive from any Nigerian or international bank, pay other OffPay users instantly, and keep a protected 40% of your balance spendable the moment your connection drops.
60/40
offline lock ratio
2
settlement providers, auto-failover
₦10
flat wallet-to-wallet fee
Wallet balance
₦248,500.00
Available
₦99,400
Locked
₦149,100
This is what your dashboard shows the instant you go offline — nothing hidden, nothing frozen without explanation.
Every wallet carries an always-on safeguard. It doesn't ask you to configure anything — it just quietly recalculates the moment your connection changes.
Your full balance is available for transfers to banks, other OffPay wallets, or offline wallets — no cap applied.
60% of your balance locks automatically. The remaining 40% stays spendable for wallet-to-wallet payments by Wallet ID.
Queued offline payments settle against your real balance, and the full amount unlocks again — verified, never assumed.
Send and receive from any commercial bank in Nigeria, with international routes coming online as we scale.
Pay another user instantly by Wallet ID or account number — ₦10 flat, no surprises.
Keep transacting with other users even without a connection, inside your protected 40% limit.
BVN and passport verification reviewed by our compliance team before your virtual account activates.
Download a PDF receipt after every transaction, or a full statement for any date range.
Payments route through Flutterwave and Paystack with automatic failover, so a single outage never stops you.