About JOYET
Making crypto useful for everyday life.
Millions of Nigerians earn, save or get paid in crypto. JOYET lets them use it for the things that matter every day (light, data, TV, school fees and sending money to people they care about) without selling to strangers or juggling apps.
Free transfers · PIN & fingerprint protected · Verified with your NIN
Why we built it
Paying a bill with crypto shouldn't take an hour.
Before JOYET, using crypto for something as simple as a power token meant: open an exchange, post a P2P ad, wait for a buyer, check for fake receipts, wait for the bank alert, then open another app to pay. If it was late at night, you just stayed in the dark.
And every P2P trade means a stranger sending money into your personal bank account. That is how many people end up with frozen accounts and disputes they never caused.
We built JOYET so you deposit crypto once, see your balance in naira, and pay for what you need in a few taps.
The old way vs JOYET
4 apps and a stranger to pay one electricity bill
One app: deposit, then pay
Waiting for a buyer and a bank alert
Naira credited automatically once your deposit confirms
Sharing account numbers to send money
Send to an @username, free between JOYET users
What we believe
How we run JOYET.
No surprises
You see the rate, the fee and the total before you confirm anything. Every payment gets a receipt.
Your money is protected
PIN or fingerprint on every payment, verified accounts, and failed payments refunded automatically.
Built for Nigeria
The bills, networks, DisCos and habits we design for are the ones Nigerians actually deal with.
Real help
Get instant answers from the in-app assistant, and a real person whenever you need one.
The team
The people behind JOYET.
A small team of builders, designers and operators who care about making crypto genuinely useful for Nigerians.
Nnamchi Israel
Software Developer
Meet Israel, the main software developer behind JOYET. Making sure JOYET runs without issues and keeps developing new features to make daily-life easier.
Talabi Khalid
CISO
Khalid, the Chief Information Security Officer (CISO) making sure security is top-notch and data encryption is implemented in every aspect of JOYET.
We're growing. Think you should be on this page?
Get in touchWhat JOYET does today
Everything in one wallet.
Deposit crypto: USDT, USDC, BTC and ETH, credited to your naira balance.
Electricity: all 12 DisCos, prepaid and postpaid, with the token in the app.
Airtime & data: MTN, Airtel, Glo and T2mobile.
Cable TV: DStv, GOtv and StarTimes.
Exam PINs: WAEC result checkers and JAMB e-PINs.
Betting: fund 14 betting sites including SportyBet and Bet9ja.
Gift cards: Amazon, Apple, Steam, Google Play and more.
Send & request: free @username transfers, and ask friends to pay a bill.
Coming next: withdrawals to Nigerian bank accounts, selling gift cards, and more ways to spend.
The company
Built by Apaxaa Technologies LTD.
JOYET is a product of Apaxaa Technologies LTD, a Nigerian technology company that builds simple, secure software for everyday life. We work with established payment, identity and crypto partners to power the services in the app.
Ready to spend your crypto like money?
Join early access and we'll send you the JOYET download link first.