How KivoraPay Works

A plain-language overview of the full flow: from depositing crypto to paying your bills.

KivoraPay is a bill payment platform for people who hold crypto. The idea is simple: you deposit USDT, USDC, or Bitcoin, and your balance becomes available to pay everyday bills directly: without going through a P2P marketplace first.

The three-step flow

1. 1

   Create your account and get your unique deposit address for USDT/USDC (Solana network) and Bitcoin.

2. 2

   Send crypto to your deposit address. Your naira rate is locked the moment your transaction is detected on the blockchain.

3. 3

   Use your available balance to pay for electricity, airtime, data, cable TV, betting, and more: all from one place.

What happens to your crypto

When your deposit is detected, KivoraPay converts it to a naira value at the locked rate and credits that value to your account. Your balance is displayed in both naira (NGN) and its USD equivalent so you always know what you have.

What you can pay for

When KivoraPay says bill payments, we mean every kind of bill: not just utilities. Your electricity. Your airtime and data. Your cable TV subscription. Flights and travel. Food. Clothing. Government fees. Betting accounts. School fees. The goal is simple: if it is something you pay for as a person going about your life, KivoraPay should be able to handle it.

Currently live: electricity (all major DisCos), airtime and data (MTN, Airtel, Glo, 9mobile), cable TV (DStv, GOtv, Startimes, Showmax), betting top-ups (Bet9ja, 1xBet, Betway, SportyBet, BetKing, and more), flights, government payments, and clothing. More categories are being added regularly.

Beyond the app, KivoraPay is also building toward offline payments: physical POS terminals where you can walk into a location and pay for goods and services directly with your crypto balance. The vision is not limited to your phone screen. Anywhere you have something to pay for, KivoraPay should be there.