Convert USDT & crypto to Naira without P2P stress.
Say goodbye to shady P2P counter-parties, delayed payments, and frozen bank accounts. Swap Bitcoin, USDT, and Ethereum into your Naira balance with guaranteed instant settlement.
Engineered for Speed, Built for Trust
Experience friction-free financial tools with zero hidden catches.
Zero P2P Counterparty Risk
Trade directly with PlutoPay’s licensed institutional liquidity providers. No unknown individuals sending money into your bank.
Instant Naira Settlement
The moment your crypto deposit receives standard blockchain network confirmations, Naira credits to your wallet in seconds.
Competitive Market Rates
Access real-time global FX pricing. What you see on the swap preview is the exact Naira amount you receive — zero slippage.
Multi-Asset & Multi-Chain
Support for USDT (TRC-20, ERC-20, BEP-20), USDC, Bitcoin (BTC), Ethereum (ETH), and Solana (SOL).
Safe from Bank Flags
All payouts originate from legitimate licensed banking channels, keeping your personal accounts completely compliant and safe.
Crypto-to-Crypto Swaps
Swap between BTC, ETH, and stablecoins internally with 0.1% tight spreads and zero external gas fees.
How It Works in 3 Simple Steps
Get started in under two minutes with your phone.
Generate Deposit Address
Select USDT or Bitcoin in the PlutoPay app to generate your dedicated deposit address or QR code.
Send Crypto
Send crypto from Binance, Bybit, KuCoin, Trust Wallet, or cold storage to your PlutoPay address.
Instant Naira in Wallet
As soon as the blockchain confirms the transaction, funds convert to Naira at the locked rate and credit immediately.
Frequently Asked Questions
Everything you need to know about this feature.
Why is PlutoPay safer than traditional P2P platforms?
Which crypto networks do you support for USDT?
How long does confirmation take?
Ready to experience money in motion?
Join thousands of Nigerians taking complete control of their local and international finances with PlutoPay.
Download PlutoPay Now