Building in Nigeria · early access is open
Your dollars, spent in naira.
Scan a shop’s code, see the exact naira price, and pay from your dollar balance. The shop gets every naira, straight to its bank.
- Price shown before you pay
- PIN on every payment
- Free for shops
Try it
Know the price before you pay.
Type what the shop is asking. You see what it costs from your balance, and the shop gets exactly what it asked for. Nothing in between.
At an example rate of ₦1,545.75 to the dollar. The live rate is always on your screen before you confirm, and it is the only number you agree to.
You pay from your balance
11.96 dollars
The shop gets
₦18,500.00
Charged to the shop
₦0.00
Why it matters
Spending your dollars shouldn’t need a stranger.
Millions of Nigerians save in digital dollars. Spending them at a shop today means a trade, a wait and a risk. We took all three out.
How it works today
- 1
Find a buyer on a peer-to-peer market
- 2
Send your dollars to a stranger, first
- 3
Wait for their transfer, and hope it lands
- 4
Only then, pay the shop
Two strangers, two transfers, and a shop that only ever wanted naira.
With CrAza
- 1
Scan the shop’s code
- 2
Check the naira price, enter your PIN
- 3
Done. The shop is paid
Three steps.
One PIN. No stranger. The shop never touches a digital currency.
The app
Built for the counter.
Everything you need to pay, everything a shop needs to be paid, and nothing else.
The price, up front
The naira amount, the rate and what it costs you, on one screen, before anything moves.
Your PIN, every time
Nothing leaves your balance without it. And once you confirm, it is final.
The shop knows at once
A notification the moment you confirm, and an SMS if it does not arrive.
A receipt that adds up
Price, rate and what you paid, kept in your history.
Naira to its own bank
Takings go to the account the shop already uses, nothing deducted.
For shops
Customers pay in dollars. You get naira.
Put a code on your counter and take payment from anyone with a dollar balance, without ever touching a digital currency.
- Every naira of the sale, in your own bank account
- No fees, no terminal to rent, no monthly charge
- Told the moment a customer pays
Safety
Your money, handled properly.
We are a technology company, not an exchange or a bank. Licensed partners hold the dollars and move the naira; we build everything in between.
We never hold your keys
Your digital dollars sit with a licensed custodian. We build the app and the ledger, not a vault.
Identity before money
A NIN and a BVN from everyone who sends or receives, checked before the first payment, as Nigerian rules require.
Final means final
A payment completes entirely or not at all, in one step. No half-sent money, no pending limbo.
Every kobo accounted for
A double-entry ledger records every movement, and the books are checked against themselves around the clock.
Why now
The dollars are already here.
Nigeria is one of the biggest digital-dollar markets on earth. What has been missing is a way to spend them at the shop down the road.
3rd
Nigeria’s place out of 117 countries in the 2026 Global Crypto Adoption Index, which covers July 2025 to June 2026. Only Brazil and the United States rank higher.
Source: Chainalysis, 23 September 20261st
For domestic peer-to-peer transfers in the same index: value moving directly between people’s own wallets inside the country. Nigeria also ranks first for cross-border flows.
Source: Chainalysis, 23 September 2026$92.1bn
In on-chain value received by Nigeria between July 2024 and June 2025, nearly triple the next country in Sub-Saharan Africa, South Africa.
Source: Chainalysis, 10 September 2025Third-party estimates from on-chain data. They describe the market, not CrAza, which has no customers yet.
Be first in line.
We open to a small group first. Leave your email and we will write once, on the day.