Cheta
Automated Settlement • Zero P2P

The Bridgeway to Effortless Digital Money.

Hold and switch between Nigerian Naira and US Dollars in one unified balance. Cash out crypto straight into your bank in seconds, move funds with zero fees, and enjoy peace of mind.

Available for Early Access on
Cheta Mobile App Live Interface
30s Settlement
Direct to bank account
Zero P2P Hassles

Cash Out Crypto Directly to Your Bank Account in Seconds.

Forget dealing with unresponsive P2P buyers, bank account restrictions, or risky escrow delays. On Cheta, deposits convert directly to usable money at the best automated market rates.

Automatic settlement directly to your Naira bank account
Instant quote locking — no slippage or surprise charges
Support for USDT, USDC, and Bitcoin networks

Estimate Your Payout

Current rate: ₦1,350 / USDT

USDT
Estimated Payout
₦135,000
30 Secs
Average Settlement
Automated direct bank payouts without waiting on buyers.
Zero P2P
No Counterparty Risk
Never worry about fraudulent buyers or account freezes.
Dual Balance
NGN & USD In One
Seamlessly hold, switch, and spend both currencies.
0% Hidden Fees
Locked Rate Quotes
Transparent pricing with locked rates before confirmation.
Built for modern everyday freedom

Everything you need to move money in one calm experience.

Designed to be fast, reliable, and completely transparent — giving you complete control over how you receive, store, and spend your money.

NGN & USD

One Wallet, Dual Currencies

Hold and view your total net worth in Nigerian Naira (NGN) and US Dollars (USD) side-by-side. Switch display currencies with one tap without juggling separate apps.

One Wallet, Dual Currencies
Zero Transfer Fees

Instant Transfers with Cheta Tags

Send and receive money seamlessly using unique Cheta tags like @alex. Zero transaction fees between Cheta users, instant notifications, and clear receipts.

Instant Transfers with Cheta Tags
Instant Payouts

Automated Crypto Settlement

Deposit USDT, USDC, or Bitcoin to automatically receive funds directly in your bank account or fiat wallet balance within 30 seconds. No P2P risks.

Automated Crypto Settlement
Global Access

Virtual Cards for Global Spending

Issue virtual cards for international payments, cloud tools, Apple Music, Netflix, and Amazon shopping with customizable limits and instant freeze security.

Virtual Cards for Global Spending
Instant Top-Up

Everyday Bills & Utilities

Top up mobile airtime, purchase data bundles, pay electricity bills (EKEDC, IKEDC, etc.), and renew cable TV subscriptions directly from your balance.

Everyday Bills & Utilities
100% Transparent

Transparent, Honest Quotes

Never worry about surprise deductions. You will always see the exact exchange rate, conversion quote, and fee breakdown before confirming any transaction.

Transparent, Honest Quotes
Simple 3-Step Journey

Getting started takes less than two minutes.

No tedious paperwork, no long queues. Designed for rapid onboarding and immediate usability.

01

Join the Early Access List

Sign up in under 60 seconds with your email. VIP early access invites are released regularly in batches.

02

Fund or Cashout in Seconds

Transfer funds to your dedicated account number, or send crypto to settle directly into cash in 30 seconds.

03

Spend & Move Money Globally

Send zero-fee transfers to any Cheta tag, pay utility bills, or shop anywhere online using your virtual card.

Ready to take control of your money?

Join hundreds of early beta users enjoying zero-fee transfers and automated payouts.

Security you can count on

Built from the ground up for safety, speed, and trust.

We implement strict security standards to ensure your funds and personal information remain protected 24 hours a day, 7 days a week.

End-to-End Encryption

All sensitive data, identity tokens, and financial communications are secured using modern encryption protocols.

Biometric & PIN Authentication

Confirm every transaction and unlock your wallet using Face ID, Touch ID, or your secret security PIN.

Licensed Banking Partners

Virtual bank accounts and fiat settlement rails are operated in partnership with fully regulated financial institutions.

Real-Time Audit Receipts

Instant notifications, transparent ledger records, and downloadable receipts for every payment or cashout.

Mobile App Experience

Get the Cheta app on iOS and Android.

Experience seamless multi-currency balances, instant zero-fee money transfers, automated crypto cashouts, and virtual card payments right from your phone.

VIP Early Access Program
Early access invites are dispatched in batches. Join the list to secure priority status.
Cheta Mobile Experience
Instant Setup● 2-Minute Onboarding

Works on iOS 15+ and Android 8.0+. Zero minimum balance required.

Clear answers to common questions

Frequently Asked Questions

Everything you need to know about getting started with Cheta.

Cheta is a simple, modern digital money app. It allows you to hold, send, and spend money in both Nigerian Naira and US Dollars from one unified wallet balance, pay everyday utility bills, and easily convert between currencies without hassle.