How Subpadi works, in three simple steps.
Whether you are receiving your first international payment or paying a bill across the continent, the process is the same. Simple, transparent, and built for people who have better things to do than figure out financial plumbing.
Receive or add money
Get paid by a client abroad, receive crypto from a partner, or add funds from your bank. Money enters your Subpadi account through licensed payment rails, and you can hold it in multiple currencies.
Convert
Swap between crypto and local currency at a rate you see before you confirm. The conversion is powered by SEC-licensed exchange infrastructure, and the fee is included in the rate shown on screen. No surprises.
Send, pay, or cash out
Withdraw to your bank in minutes through CBN-licensed rails. Pay bills like airtime, data, electricity, and cable TV directly from your balance. Or send money to someone else on the platform.
What you can do with Subpadi
Receive international payments
Get paid by clients and platforms worldwide.
Convert crypto to cash
Swap assets to your local currency at transparent rates.
Withdraw to your bank
Cash out to your bank account in minutes.
Pay bills
Airtime, data, electricity, cable TV, and more.
Send across borders
Move money to 20+ African countries.
Launch your business
Company registration, branding, and growth services.