End-to-end encrypted
Every message between you and UPay rides WhatsApp's encrypted channel. Nobody in the middle — not us, not your carrier — can read what you send.
Now on Arc — stablecoins by message
Money,
by message.
Send, receive, and track stablecoins from a WhatsApp chat. No app to install. No menus to learn. Just write.
End-to-end encryptedUSDC nativeSub-second finality
CO
Sent
$5.00
to Chuks Okafor
~1s
Average settlement on Arc
U
UPay
online
01Send
Type the amount. Type the name. That's the whole flow.
No recipient lookups, no copy-pasted addresses, no IBAN forms. Tell UPay what you want to do in plain English. It confirms before any money moves.
U
UPay
online
send 25 to folake
11:02✓✓
Send 25 USDC to Folake Adeyemi? Reply yes to confirm.
11:02
yes
11:03✓✓
Sent✓ Confirmed
$25.00 USDC
to Folake Adeyemi
tx_4P7M2N · 11:03
02Balance
A balance you can just ask for.
Open WhatsApp. Type 'balance.' That's the whole product. No dashboards, no apps to install, no expired sessions.
U
UPay
online
what's my balance?
14:40✓✓
Available
$142.50
USDC142.50
Last 24h+$25.00
03Receive
Money lands in your chat, not a separate inbox.
Incoming payments arrive as messages. New balance, sender's name, transaction reference — all there, in the same thread you already check.
U
UPay
online
Received↓ New
$50.00 USDC
from Adaeze Nwosu
tx_9X3K1B · 09:22
You've received $50 from Adaeze. New balance: $192.50.
9:22
04Context
It remembers, so you don't have to.
Reference earlier conversations naturally. 'Send him the same as last week' resolves to the right person, the right amount, the right wallet.
U
UPay
online
sent 5 to chuks for lunch
Mon✓✓
✓ Sent $5 to Chuks Okafor.
Mon
today
send him the same again
13:20✓✓
Sending $5 USDC to Chuks Okafor — confirm?
13:20
Security
Built on rails you already trust.
Two billion people use WhatsApp every day. UPay layers payment logic on top — without changing what makes that channel feel safe.
Confirmation on every send
No payment moves without an explicit yes. Misheard, mistyped, or accidental sends never become real transactions.
Institutional custody
Wallet keys are managed by Circle — the issuer of USDC. The same infrastructure trusted by banks and exchanges secures your account.
Use Cases
Money that fits the way you already chat.
UPay slots into the moments where money is supposed to move quickly — and gets out of your way.
For freelancers
Invoice a client overseas and get paid in seconds, not weeks. No wires, no FX surprises.
$1,200sent
For nights out
Settle the dinner bill before you leave the table. Everyone sends their share to the host.
$32sent
For families
Send money to a sibling abroad without a 4-day wait or a 7% margin lost to spreads.
$300sent
For small businesses
Pay vendors, contractors, and suppliers from your phone. Receipts logged, balances clear.
$450sent
FAQ
Questions, answered.
What exactly is UPAY?
UPAY is a WhatsApp bot that converts USDC to Nigerian Naira and sends the Naira straight to your bank account. No crypto exchange account, no separate app — just send a message, confirm the rate, and your bank is credited in seconds.
What is USDC and why would I need to offramp it?
USDC is a dollar-pegged stablecoin — one USDC is always worth one US dollar. If you earn, receive, or hold USDC and need Nigerian Naira for everyday spending, that's an offramp. UPAY makes it as simple as sending a WhatsApp message.
How does the offramp actually work?
Tell UPAY how much USDC you want to sell. It quotes you the live market rate with our competitive spread, you confirm, and UPAY settles the transaction on ARC — a blockchain built for near-zero second finality. The Naira lands in your registered Nigerian bank account within seconds.
What rate do I get?
UPAY uses live market rates with a competitive spread — no hidden fees, no markups buried in a surprise number. The rate shown when you confirm is the rate you get. You can also ask UPAY "what's the rate?" any time to check before you commit.
How fast does it settle?
Near-zero second finality. UPAY settles on ARC, a blockchain purpose-built for instant transactions. Most offramps complete before you can put your phone down. Your Naira does not queue.
How do I get started?
Tap any "Try UPAY" button on this page to open a WhatsApp chat. UPAY walks you through a quick setup — link your USDC wallet address and add your Nigerian bank account details. Once that's done, you're ready to offramp anytime.
Which Nigerian banks are supported?
All of them. GTBank, Access, UBA, First Bank, Zenith, Kuda, OPay, Moniepoint, Palmpay, FCMB, Fidelity — every licensed bank and fintech with a valid Nigerian account number. If it has an account number, UPAY can credit it.
What if I lose my phone?
Sign in from any other WhatsApp device and freeze your UPAY account in two taps — all activity pauses immediately. You can also use the "Block account" link in the footer of this page from a browser. Recovery is guided and requires identity verification.
Open WhatsApp.
Send a message.
That's it.
No download. No signup form. No menus to memorize. Your wallet comes online the moment you say hello.
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