Dollars to naira
Cash out
- Tell Krait the amount.
- Check the rate and total, then send to the details shown.
- Naira lands in your bank. Receipt follows.
Cash out $100
You get ₦147,000 to GTBank ••4821. Send the $100 to the details below.
How it works
Open a chat. Say it. Done.
No app to download. No forms to hunt for. Krait lives in the chat you already use.
Get started
Three steps to your first transaction.
- 1
Open Krait
Tap Chat with Krait. Say hello. Some services run on one channel only, and Krait tells you in chat what is available where.
- 2
Verify once
A quick identity check with your BVN or NIN and a liveness check. It keeps your account safe and meets Nigerian rules. Then you set your Krait PIN.
BVN or NINLiveness checkPIN - 3
Ask
Type it, say it or show it. Krait confirms the details with you before it moves a kobo.
Cash out $100Rate ₦1,470. Total ₦147,000.
Step by step
Pick what you need. Here is how each one goes.
Naira to dollars
Buy crypto
- Tell Krait how much you want to buy.
- Check the rate, the ₦150 fee and the total.
- Pay the account shown. Krait sends the dollars where you choose.
Buy $20
$20 at ₦1,520 is ₦30,400, plus ₦150 fee. Total ₦30,550.
Naira to anyone
Send
- Say who and how much, or drop a screenshot of their account.
- Krait shows the name on the account.
- Reply YES. It goes.
Send ₦25,000 to Chidi, Access Bank
Chidi Okeke, Access ••6789. Send ₦25,000? Reply YES.
Airtime, data, power, TV
Bill payments
- Say which bill.
- Krait shows the amount and who it pays.
- Confirm. Your receipt arrives in chat.
Buy ₦5,000 airtime
₦5,000 airtime to 0803 ••• 4471. Reply YES.
Nothing hidden
You see everything before you confirm.
Every time, in the chat, before anything moves.
- The rate. The market rate and Krait's fee, as one clear number.
- The total. What you pay or what you get, to the kobo.
- The details. Check the account and the amount. Money sent to the wrong details cannot be reversed.
- The fee. ₦150 when you buy. Any fee on a naira transfer is shown first.
Your confirmation
Rate₦1,470 / $1
You send$100.00
Paid toGTBank ••4821
You get₦147,000
Sample figures. Your real numbers appear in chat.
How fast
Naira in seconds, once your payment confirms.
Some payments confirm more slowly. Krait tells you what to expect.
- You send
Your dollars go to the details Krait shows.
- Payment confirms
The speed depends on how the payment travels.
- Krait pays
Settled in 14s
Naira reaches your bank. Receipt in chat.
Unusual deposits may get a short safety check first.
If something goes wrong
A real person fixes it.
If it is on our side, we fix it fast. If you made a mistake, we do everything we can to help.
Talk to a person
Message us in chat or email support@usekrait.com. Replies are signed with a name.
Block your account
Lost your phone or number? Go to usekrait.com, enter your number and PIN, and your account is blocked straight away. No phone? Email support@usekrait.com from any device.
How to block or unblockScam shield
Krait never asks for your PIN and never sends you to a payment link. If a message feels off, do not tap it. Tell us.
Read the safety guideQuick answers
Questions people ask first.
Do I need to verify my identity?
Yes, once. We use your BVN or NIN and a liveness check, run by our verification partner.
What does it cost?
Cashing out: a service fee on your deposit, shown before you confirm. Buying: ₦150. Transfers: any fee is shown first.
Can I undo a payment?
No. Money sent to Krait cannot be reversed. Check the details and the amount before you send.
Which apps does it work on?
Telegram and WhatsApp. Krait tells you in chat what is available where.
naira landed.