How KivoraPay Works

A plain-language overview of the full flow: from funding or receiving crypto to spending, invoicing, collecting, and operating with it.

KivoraPay is a spending layer for crypto. The idea is simple: you fund or receive supported digital assets, and that value becomes useful for everyday payments, invoices, collections, merchant activity, and business operations 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 bills, receive payments, create invoices, collect from customers, manage merchant activity, and access supported business tools.

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 use it for

When KivoraPay says spending layer, we mean more than utilities. Your electricity. Your airtime and data. Your cable TV subscription. Flights and travel. Food. Clothing. Government fees. Betting accounts. School fees. Payment requests. Invoices. Storefront collections. Payroll. The goal is simple: if crypto is part of your financial life, KivoraPay should help you use 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 consumer payments, KivoraPay also supports business workflows: merchants can collect payments, operate storefronts, manage inventory and orders, invite teams, review reports, and run payroll from a single platform.