ipa
ipa
Beta
Crypto banking for Nigeria 

Send money like 
a message. 

Zipa is the username-first crypto bank. Send, receive and grow - SOL, ETH, USDT and more - with just your @username. No wallet addresses. No gas jargon. No stress. 

Zipa App Preview

Built on real rails

SolanaSolana
EthereumEthereum
BaseBase
PrivyPrivy
SupabaseSupabase
HeliusHelius
The Difference

Where Zipa stands apart

Crypto exchanges are built for traders. Zipa is built for people.

Other tools

Hex addresses nobody remembers
Seed phrases you must never lose
Gas fees calculated by hand
Waiting on blockchain confirmations
Exchange jargon and KYC walls
No naira display - just USD

Zipa

@usernames - send to a person, not an address
Secure embedded wallets you never manage
Instant free internal transfers on the Zipa ledger
AI explains every transaction in plain language
Live prices and naira-aware balances
Real on-chain rails: Solana · Ethereum · Base
Workflow

Up and running
in four steps

From sign-up to sending crypto - no technical knowledge needed.

1

Claim your @username

Sign up with email, phone, or Google. Solana, Ethereum and Base wallets are created silently in the background - no seed phrases, no setup.

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2

Fund it

Receive from any external wallet, or grab free test SOL from the faucet while Zipa is in beta on devnet.

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3

Send & get paid

Pay anyone by @username, share your merchant QR, or send your public pay link (zipa.com/pay/@you). No wallet addresses required.

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4

Grow

Swap tokens at live CoinGecko rates with a 0.3% flat fee, track your portfolio, and see everything in naira.

Capabilities

Everything you need,
nothing you don't

Username payments, real on-chain rails, instant transfers and merchant tools - all in one app.

Username payments

Send and receive by @username only - no wallet addresses, no copy-paste errors, no stress.

Client

Real on-chain rails

SOL and ETH settle on actual blockchains. Solana · Ethereum · Base - pick your chain, Zipa handles the rest.

Project

Instant Zipa ledger

USDT, USDC, BONK, PEPE and WIF transfers between Zipa users are free and immediate - no gas, no wait.

Team

Merchant mode

Get a business handle, a printable QR, and a public pay page at zipa.com/pay/@yourstore.

Team
Amaka O.
Tunde B.
Chidera E.
Ngozi A.
Musa K.

Beta community

growing every day

0.3% Sends

Live CoinGecko rates, 0.3% fee - nothing hidden.

SOL
ETH
BASE
PRV
SB
HEL

Runs on the best rails

Solana, Ethereum, Base, Privy, Supabase and Helius - battle-tested infrastructure powering every transaction.

Pricing

Free to try,
built for Nigeria

Everything is free during the beta. No credit card, no wallet required to start.

Personal

Free

Everything you need to send, receive and grow as an individual.

  • @username identity
  • On-chain sends (SOL, ETH, Base)
  • Instant Zipa ledger transfers
  • QR pay + public pay link
  • AI transaction insights
  • NGN portfolio display
FREE BETA

Merchant

Free

Built for sellers, vendors and creators who get paid on the regular.

  • Business handle
  • Storefront QR (printable)
  • Public pay page (zipa.com/pay/@you)
  • Payment notifications
  • All Personal features included
  • Free during beta

Coming soon: Business

Team accounts, bulk payouts, API access and integrations for growing businesses.

Team accounts
Bulk payouts
API access
Webhook integrations
Priority support
Custom reporting

Zipa is in beta on test networks - everything is free to try today.

Founder

Built with AI,
for Nigeria

MS
Musa Sulaiman
Founder, Zipa

Musa built Zipa from the ground up - a username-first crypto bank for Nigeria where people send money to @handles instead of wallet addresses. Naira wallet, bills, invoicing, and five Nigerian languages, all shipped solo with AI pair-engineering.

X (@0xSkamber)TikTok (@0xskamber)
Company Facts

Legal Entity

OneDev Studioo

Registration

CAC BN 9704508

Launch Market

Nigeria

Product Link

Use Zipa →
Wall of Love

Loved by the
Zipa beta community

Freelancers, merchants and students across Nigeria - see what they are saying.

Amaka Okonkwo

"My US client sent me payment in USDC to my @amaka handle. It hit instantly and I could see my naira value right there. No bank transfers, no waiting three days."

Amaka Okonkwo

Freelance Designer, Lagos

FAQ

Questions?
Answered.

Everything you need to know about sending money the Zipa way.

Become a Zipa Ambassador

Help your community discover simpler digital payments. Join our ambassador program and grow with us.

ipa

Crypto banking,
made simple.

Join the Zipa beta - it's free, it's on test networks,
and your @username is waiting.