Spend your crypto on everyday bills.
JOYET is an app that turns your crypto into naira you can spend. Deposit USDT, USDC, BTC or ETH, then pay for electricity, airtime, data and cable TV, or send money to friends. No P2P traders and no waiting for a bank alert.
4
coins to deposit
USDT · USDC · BTC · ETH
12
electricity DisCos
Prepaid and postpaid
14
betting sites
SportyBet, Bet9ja and more
₦0
to send to friends
Free between JOYET users
What is JOYET?
One app to hold, spend and send your money.
Many Nigerians earn or save in crypto, but paying a NEPA bill with it usually means selling to a stranger on P2P and waiting. JOYET does the conversion for you, so your crypto works like money in a normal wallet.
A naira wallet
Your JOYET balance is in naira. Top it up with crypto and see exactly how much you'll get before you send.
Pay bills in a few taps
Electricity tokens, airtime, data, DStv/GOtv, WAEC/JAMB PINs and betting wallets, all paid from your balance.
Send & request money
Pay friends by @username or email for free. Request money, or ask a friend to pay a bill for you.
Inside the app
Real screens. Real features.
This is what JOYET looks like on your phone.
Add money
Your crypto, turned into naira.
Pick a coin and a network and copy your own deposit address. When it arrives, it converts to naira on its own. No buyer, no bank alert to wait for.
- USDT, USDC, BTC and ETH.
- Networks labelled Cheap, Native or Fast, so you pick the right one.
- A QR code to scan from any wallet or exchange.
Pay bills
Light, data and TV in a few taps.
Electricity for all 12 DisCos, airtime and data on every network, DStv, GOtv and StarTimes, WAEC and JAMB, betting wallets and gift cards.
- Meter, smartcard or account checked before you pay.
- The fee and total shown up front.
- Failed payment? The money comes back.
Send money
Free, instant transfers by @username.
No 10-digit account numbers. Type a friend's @username or email, see who you're paying, and the money lands straight away. You can also send to any Nigerian bank.
- Free between JOYET users.
- Bank account name shown before you send.
- Add a note to every transfer.
Request money
"Abeg, help me pay this bill."
Ask a friend for money, or ask them to pay your airtime, data, light or TV directly. They get a notification and pay with one tap, or decline.
- Requests show in chat and notifications.
- They stay open until paid or cleared.
- See who owes you and what you owe.
Crypto wallet
Hold crypto, or spend it. Your choice.
Turn auto-convert off and your deposits stay as crypto. See every coin at live prices, swap to naira when you need to spend, and set price alerts.
- Auto-convert to Naira on or off, any time.
- Swap naira ↔ USDT with the rate shown up front.
- Price alerts when the rate moves.
Chat
Money and messages in one place.
Chat with friends in JOYET with text, photos and voice notes. Verified badges show who's real, and you can send or request money without leaving the chat.
- Verified badges on real accounts.
- Lock your chats with your phone's unlock.
Deposit with
The coins you already hold.
Send on the exact network shown in the app. Networks explained →
USDT Tether
TRC-20 · ERC-20 · BEP-20 and more
USDC USD Coin
ERC-20 · Base · BEP-20 and more
BTC Bitcoin
Bitcoin · BEP-20
ETH Ethereum
ERC-20 · Base · BEP-20
Everything in one app
21 things you can do with JOYET.
No more switching between a bank app, a bills app and an exchange.
Electricity
All 12 DisCos, prepaid and postpaid.
Airtime
Every network. No fee.
Data
Daily, weekly and monthly plans.
Cable TV
DStv, GOtv and StarTimes.
WAEC & JAMB
Result checker and registration PINs.
Betting
Fund 14 betting wallets.
Gift cards
Amazon, Apple, Steam and more.
Travel eSIM
Data in 190+ countries.
Send by @username
Free and instant.
Send to bank
Any Nigerian bank account.
Request & ask to pay
Friends pay with one tap.
Chat
Text, photos and voice notes.
Crypto wallet
Hold coins or auto-convert.
Swap
Naira ↔ crypto at a shown rate.
Price alerts
Know when the rate moves.
Payment reminders
Never miss a bill.
Statements
Every transaction, with receipts.
Telegram bot
Pay bills from a chat.
Invite & promo codes
₦500 for inviting friends.
5 languages
English, Pidgin, Yorùbá, Hausa, Igbo.
PIN, fingerprint & app lock
Your money moves only when you say so.
Take a closer look
See exactly how JOYET works.
Real screens from the app. Pick a topic to learn more.
How it works
Crypto to a paid bill in 3 steps
Sign up, deposit crypto, then pay, send or request.
Learn more →
Services
Everything you can pay for
Electricity, airtime, data, TV, exams, betting and gift cards.
Learn more →
Security
Built to keep your money safe
PIN on every payment, verified users and device control.
Learn more →
FAQ
Questions people ask
Fees, limits, deposits, refunds and verification.
Learn more →Who it's for
Built for how Nigerians actually get paid.
Freelancers and remote workers
Paid in USDT by clients abroad? Spend it on rent, light and data without the P2P back-and-forth.
Read the guide →Students
Buy WAEC and JAMB PINs, top up data and split bills with friends by @username.
Read the guide →Families
Pay your parents' light and TV from anywhere, or get them to send you a request.
Read the guide →Crypto holders
Keep your coins until you need them, then spend them like money in a few taps.
Read the guide →Why JOYET
Skip the P2P stress.
Selling crypto on P2P
- ✕Wait for a stranger to accept your trade, then for the bank alert.
- ✕Risk fake payment receipts, disputes and frozen accounts.
- ✕Use 3 or 4 different apps just to pay one bill.
- ✕Share 10-digit account numbers to send money to friends.
Using JOYET
- ✓Deposit crypto and get naira automatically. No buyer to wait for.
- ✓No strangers sending money into your personal bank account.
- ✓Pay every bill from one app, with a receipt for each payment.
- ✓Send money with an @username, free between JOYET users.
Security
Your money only moves when you say so.
PIN on every payment
Or your fingerprint. Stored hashed, never in plain text.
Verified users
NIN or BVN and a liveness check. Limits grow as you verify.
Device control
See where you're signed in and sign out a lost phone.
Fraud checks
Money going out is checked for unusual activity.
From the blog
Guides for spending crypto in Nigeria.
FAQ
Quick answers.
Which crypto can I deposit?+
USDT, USDC, BTC and ETH, on the networks shown in the app. Always send on the exact network shown, or the deposit can be lost.
How much does it cost?+
Transfers between JOYET users are free, and airtime has no fee. Some services, such as electricity and gift cards, have a small fee, always shown before you confirm.
What if a payment fails?+
If a bill payment fails, the money goes back to your JOYET balance automatically.
Do I need to verify my identity?+
You can start with basic limits. Verify with your NIN or BVN and a quick liveness check to raise them. It takes a few minutes in the app.
Start spending your crypto like money.
JOYET is launching on Android and iPhone. Join early access and we'll send you the download link first.