Turn crypto into naira, in seconds.
Ember gives you your own deposit address for USDT, USDC, SOL, ETH and BNB, credits your balance in naira at live rates, and lets you cash out to any Nigerian bank — or pay for airtime, data, electricity and cable TV straight from the app.
The tokens you hold, the rails you already use
- USDT
- USDC
- SOL
- ETH
- BNB
- All Nigerian banks
Everything between your crypto and your cash.
Ember handles the whole journey — receiving your deposit, converting it at a live rate, and putting the naira where you need it: your bank account, your phone, or your light bill.
Deposit crypto in minutes
Get your own deposit address for USDT, USDC, SOL, ETH and BNB on the networks you already use. The moment your deposit confirms, your balance is credited in naira — no P2P chats, no middlemen.
See where your money goes
Your account summary breaks down money in and money out at a glance — with a clear picture of how you spent across transfers, withdrawals and bills. Switch between today, this week and this month in a tap.
Pay bills straight from your balance
Airtime, data, electricity and cable TV — settled directly from your naira balance in a few taps. No transferring out first, no waiting on a bank app.
Built for spending crypto in Nigeria.
Ember is not an exchange with charts and order books — it’s the shortest path from the crypto you get paid in to the naira you actually spend.
Instant deposits
Your own address for every supported token. Funds land as naira in your balance minutes after the network confirms.
Cash out to any bank
Withdraw your naira to any Nigerian bank account through our licensed banking partner — usually in minutes.
Deposit & payout alerts
A push notification the second a deposit lands or a withdrawal completes, so you never have to sit refreshing.
Every bill in one place
Airtime, data, electricity and cable TV for all the major Nigerian providers, paid straight from your balance.
Live rates & history
Real-time naira rates for every token, plus a full record of your deposits, withdrawals and bill payments.
PIN & biometrics
Approve every cash-out with your PIN, Face ID or fingerprint. Wallets are secured by our infrastructure partner — we never ask for seed phrases.
Your crypto, spendable today.
Download Ember, send your first deposit, and cash out to your bank — or top up your phone — before your next transfer would even have cleared.
Crypto people across Nigeria cash out with Ember.
Freelancers, traders and everyday hodlers on what changed when turning tokens into naira stopped being a whole project.
Frequently asked questions
If you have anything else you want to ask, reach out to us.
Which tokens can I deposit?
USDT, USDC, SOL, ETH and BNB today, with Bitcoin coming soon. Stablecoins are supported on the networks people actually use — including Ethereum, BNB Chain, Base and Solana — so you can pick the cheapest one to send on.
How fast do deposits land?
Your balance is credited in naira as soon as the network confirms your deposit — typically within a few minutes. You get a push notification the moment it lands.
Which banks can I cash out to?
Any Nigerian bank account. Payouts run through our licensed banking partner, Safe Haven Microfinance Bank, and usually arrive in minutes.
What rate do I get?
The live rate you see in the app. The Rates screen shows exactly what one unit of each token is worth in naira right now, and that is the rate your deposit converts at — no hidden spread on top.
Does Ember hold my private keys?
Your deposit addresses are created and secured by our wallet infrastructure partner, Privy. Ember never asks for — and cannot access — your seed phrases or the keys to any external wallet you send from.
How is my account protected?
Your email is verified with a one-time code, and every cash-out has to be approved with your four-digit PIN, Face ID or fingerprint. Repeated failed PIN attempts lock the action.
What bills can I pay?
Airtime, mobile data, electricity and cable TV for the major Nigerian providers — paid straight from your naira balance, without withdrawing to a bank first.
What does Ember cost?
The app is free and there are no subscriptions or monthly fees. You convert at the rate shown in the app, and that is the whole deal.
Where can I get the app?
Ember is in beta. On iPhone, join through TestFlight at usecowrie.app/ios. On Android, head to usecowrie.app/android — join our tester group, then install from Google Play.