How can we help?
Browse the most common questions below. If you cannot find what you need, reach out to the support team through the in-app chat or at [email protected].
Receiving payments
How do I receive money from someone abroad?
Share your unique Subpadi payment link or crypto wallet address with the sender. Once they send, the funds appear in your Subpadi account. You can then convert and withdraw to your bank.
Is there a fee to receive payments?
Receiving money into your Subpadi account is free. Fees only apply when you convert to a different currency or withdraw to your bank.
How long does it take to receive crypto?
Most crypto deposits are credited after the required network confirmations, which typically takes a few minutes depending on the blockchain and network conditions.
Converting currencies
What assets can I convert?
You can convert USDT, USDC, BTC, ETH, BNB, SOL, XRP, and other supported assets to your local currency. The full list is available in the app.
How are conversion rates determined?
Rates are based on real-time market prices from SEC-licensed exchange infrastructure, with a small margin included. The exact rate and fee are shown before you confirm.
Paying across Africa
Which countries can I send money to?
Subpadi connects you to payment rails that reach 20+ African countries. The full list is available in the app when you initiate a transfer.
How long do cross-border transfers take?
Most transfers arrive within minutes. In some cases, depending on the destination country and banking partner, it may take up to a few hours.
Bills and utilities
What bills can I pay through Subpadi?
You can pay for airtime, mobile data, electricity (prepaid and postpaid), cable TV, internet, and other utility services directly from your Subpadi balance.
Can I pay bills with crypto?
Yes. Convert your crypto to local currency within Subpadi, then use that balance to pay any supported bill. The conversion and payment happen in seconds.
Business services
What business services does Subpadi offer?
Subpadi connects you to company registration (US, UK, Canada, and local), branding and logo design, website development, social media growth, business coaching, and press coverage services.
How do I pay for business services?
All business services are paid directly from your Subpadi balance. Add funds using crypto or a bank transfer, then purchase the service you need.
Fees
Does Subpadi charge monthly fees?
No. Your Subpadi account is free. You only pay fees when you use a service, and every fee is shown before you confirm.
Where can I see the full fee schedule?
Visit the fees page for a general breakdown. Exact fees are always displayed in the app before you confirm any transaction.
Security
Is my money safe on Subpadi?
Yes. All transactions flow through SEC and CBN licensed infrastructure. Your data is encrypted, and sensitive actions require two-factor verification. Read more on the security page.
What should I do if I notice suspicious activity?
Change your password immediately and contact support at [email protected]. The team can lock your account while you investigate, and no funds will leave until you confirm.
Why do I need to verify my identity?
Identity verification (KYC) is required by the licensed infrastructure Subpadi connects to. It protects you and every other user on the platform from fraud and unauthorised access.
Still have questions?
The support team is available through the in-app chat, by email at [email protected], or through our social channels.
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