How BANJEE works
Everything you need, without the extra steps.
A tour of the wallet, one screen at a time: what you hold, how money moves, how bills get paid, and how BANJEE on WhatsApp fits in.
01/Wallets
Naira and USDC, side by side.
- Naira
- Your own account number. Transfers from any Nigerian bank land in your balance.
- USDC
- Held on Stellar and Celo, with an address and QR code for each.
- Rates
- Sell USDC for Naira at the rate shown before you confirm.
- Privacy
- Hide your balances with one tap when someone can see your screen.
Naira · Available
USDC · Total
02/Send
Send money, and know where it is.
Pick what you're sending: Naira to a bank, or USDC.
Pick what you're sending: Naira to a bank, or USDC.
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03/Receive
Get paid in Naira or USDC.
Choose Naira or USDC, and for USDC, the network.
Choose Naira or USDC, and for USDC, the network.
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04/Bills
Every bill, without the detour.
Pick the kind of bill.
Pick the kind of bill.
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05/WhatsApp
The BANJEE you know, with a place that stays open.
- One account
- Your phone number is your account, in the chat and here.
- One PIN
- The same PIN approves payments in both places.
- One record
- Whatever you do in the chat shows in your activity here.
New to BANJEE? Start on WhatsApp
Start on WhatsAppA transfer confirmed in the BANJEE WhatsApp chat appears in the BANJEE wallet, next to Naira and USDC balances.
06/Activity
Every transaction, on the record.
- What
- A transfer, a bill, USDC in or out — and who it was with.
- When
- The date and time it happened.
- Amount and asset
- How much, in Naira or USDC, and on which network.
- Status
- Where it is now, updated on its own.
- Reference
- The number to quote if you ever need support.
- ProcessingSent and waiting for the bank or network to confirm.
- CompletedDone. The money has arrived or the bill is paid.
- FailedIt didn't go through. You can try again.
- ReversedThe transfer failed after it was sent, so the money came back.
07/Security
How BANJEE protects your account.
Account access
PINs you can't read back
Your PIN is stored only as a one-way hash, and easy PINs like 1234 are refused.
Guessing is shut down
After repeated wrong PINs, the account locks for a while.
Sessions you control
Log out of every device at once. Changing your PIN ends every session.
Transactions
Names before money moves
You see the account holder, meter or smartcard name before you confirm.
Held until the bank confirms
Transfer money is held, not spent. If the transfer fails, it returns to your balance.
Information and activity
Balances out of sight
Hide balances with one tap when someone can see your screen.
Nothing happens off the record
Every transaction shows in Activity with its status and reference, so you can spot one you don't recognise.
Lost your phone, or think someone knows your PIN?
- On another device, log in and choose Account → Log out of all devices.
- Reset your PIN through the BANJEE WhatsApp chat.
- Tell support what happened so we can review your recent activity.
BANJEE is not a bank, and USDC balances aren't covered by deposit insurance. Read the Risk Disclosure
08/Get started
Four steps, and you're in.
01
Create your account
Say hi to BANJEE on WhatsApp, or sign up here with your name, a username and your phone number.
02
Choose a PIN
4 digits. You'll use it to log in and approve every payment.
03
Add money
Transfer Naira to your account number, or receive USDC at your Stellar or Celo address.
04
Send, pay or receive
Everything shows in your activity, whether you did it here or in the chat.
What is BANJEE?
A way to hold Naira and USDC, send money and pay bills — airtime, data, TV subscriptions, electricity and betting top-ups — through a WhatsApp chat, or in the BANJEE Wallets web app. Both use the same account.
How does the wallet work?
You have a Naira balance and a USDC wallet. The web app shows both, the details you need to add money, and every transaction, whether you made it here or in the chat.
Can I hold Naira?
Yes. You get your own account number. Money sent to it from any Nigerian bank is added to your Naira balance, and you can send it to any Nigerian bank account.
Can I hold USDC?
Yes, on the Stellar and Celo networks. The app shows your address and QR code for each network, and you can sell USDC for Naira at the rate shown before you confirm. Buying USDC is coming soon.
How does WhatsApp work with BANJEE?
It's the same account. Send, sell and pay bills in the chat or in the web app — both confirm with your PIN, and everything shows in Activity either way.
Can I pay bills?
Yes. Buy airtime and data for MTN, Airtel, Glo and 9mobile, renew DStv, GOtv, StarTimes and Showmax, buy prepaid electricity tokens or pay postpaid bills, and fund betting wallets. Pay in the web app or in WhatsApp, from your USDC balance. We show the name on the meter, smartcard or betting account before you confirm.
How do I get into my wallet?
Log in at this site with the phone number and PIN you use with BANJEE. You can also add it to your phone's home screen so it opens like an app.
What happens when a transaction is pending?
It shows as processing in Activity until it completes. For a bank transfer, the money is held while the bank confirms; if the transfer fails, it's returned to your balance.
Is BANJEE a bank?
No. BANJEE is not a bank, and USDC balances aren't covered by deposit insurance. The Risk Disclosure explains what that means.
How do I contact support?
Chat with BANJEE support on WhatsApp or email us. Quote the reference from Activity if your question is about a transaction.