Breet vs Busha vs Roqqu vs Bitmama: Complete Comparison (2026)

Breet's 3.0 upgrade introduced a single competitive rate across all transaction sizes, eliminating tiered confusion. Users report rates 7 NGN higher than competitors for BTC sales. The platform clearly defines transaction fees upfront, though specific percentages aren't publicly detailed. No hidden charges reported, and the non-P2P model removes counterparty risk pricing variability.

Busha offers competitive live pricing across its extensive asset range but doesn't publicly detail fee tiers or percentages. The platform emphasizes transparency through real-time rates, but users must check in-app for actual costs. No major complaints about hidden fees, though the lack of published fee schedules reduces transparency compared to Breet.

Roqqu markets itself as having low fees and zero deposit/withdrawal limits, which is attractive for high-volume traders. However, specific fee percentages and rate comparisons aren't publicly available. The zero-limit policy is a strong advantage, but the lack of detailed pricing information makes it harder to compare directly with competitors.

Bitmama states it offers competitive rates but provides minimal public detail on fee structures or pricing tiers. Users must check the platform directly for current rates. The lack of pricing transparency is the weakest among the four platforms, though no major complaints about unfair pricing have surfaced in available data.

Breet covers essential crypto operations (buy/sell/swap 12+ coins) plus practical additions like invoices, bill payments, OTC desk, and developer APIs. The 3.0 upgrade added USD wallets, internal transfers, price alerts, and a VIP dashboard for $5,000+ trades. Strongest for businesses needing API integration, though it lacks advanced trading features like limit orders.

Busha offers the most complete package: 70+ tradable assets, recurring buys, limit orders, earn/yield programs (up to 18% with disclosed risks), collateral-based borrowing, USD accounts, virtual/physical debit cards with cashback, and bill payments. The automated trading features and wealth tools make it the most feature-rich platform, though earn returns aren't guaranteed.

Roqqu leads in asset variety with 120+ cryptocurrencies, plus distinctive features like crypto-backed loans (collateralized stablecoins), payment links for businesses, virtual cards, savings options, and zero-fee remittances to 20+ countries. Advanced charts appeal to serious traders. The combination of breadth and financial flexibility is unmatched, though loan risks aren't fully detailed.

Bitmama supports 8+ major cryptocurrencies with a clear focus on making crypto spendable: physical and virtual cards work at POS terminals and ATMs, direct payments to international services (Spotify, AWS, Google Workspace), and global send/receive in NGN/GHS/KES. The spending infrastructure is strongest here, but trading features and asset variety are more limited than competitors.

Breet excels in speed with average transaction completion under 5 minutes and a 99.7% success rate. Users praise the intuitive app interface and straightforward flows. The 3.0 upgrade added price alerts, rate calculators, and automated flagged transaction resolution, further streamlining the experience. Best-in-class for users prioritizing quick crypto-to-cash conversions.

Busha's mobile app receives strong ratings for ease of use, with features like recurring buys and limit orders automating common tasks. Named local accounts enable instant funding, and the interface handles 70+ assets without overwhelming users. The comprehensive feature set is well-organized, though the breadth of options may have a steeper learning curve than Breet's focused approach.

Roqqu emphasizes fast crypto transfers and reliable transaction processing, with advanced charts for experienced traders. The mobile app is functional, but the 120+ asset selection and multiple financial products (loans, savings, payment links) create more complexity. Better suited for users comfortable with crypto than absolute beginners seeking simplicity.

Bitmama's mobile app supports buying/selling on the go with local currency support (NGN/GHS/KES). The card features are straightforward to use for spending. However, the platform provides less detail on transaction speeds and success rates compared to Breet, and the global payment features may require more setup than simple trading.

Breet's 3.0 upgrade introduced automated flagged transaction resolution, which should reduce support needs. The 99.7% success rate implies reliable operations that minimize customer issues. However, specific support availability (hours, channels, response times) isn't detailed in available data. The high success rate suggests good operational support, but human support quality is unverified.

Busha explicitly highlights 24/7 human support as a key differentiator, backed by over 1 million users and strong app store ratings. The platform's SEC licensing and enterprise-grade security standards suggest serious commitment to customer protection. This is the strongest verified customer support offering among the four platforms.

Roqqu offers 24/7 customer support complemented by real-time SMS and email notifications for transactions, providing proactive communication. The platform's ISO 27001 certification and high uptime claims suggest reliable service. Support quality appears strong, though specific response time guarantees aren't detailed.

Bitmama provides minimal public information about customer support availability, channels, or quality. While the platform emphasizes security and transparency, the lack of support details is a notable gap. Users should verify support options directly before committing to the platform, especially for international payment issues that may require assistance.

Breet focuses specifically on Nigeria (NGN, all major banks) and Ghana (GHS, mobile money), with deep integration into local payment infrastructure. The platform is optimized for these two markets rather than spreading thin across many countries. Available on Android and iOS with localized features like Cedis support and mobile money integration.

Busha is Nigeria-centric with SEC licensing, named local accounts for instant funding, and payouts to bank accounts or mobile wallets in NGN. The 1M+ user base demonstrates strong local adoption. The platform's regulatory compliance and local payment integration are excellent for Nigeria, though expansion to other African markets isn't clearly detailed.

Roqqu supports local bank withdrawals and offers zero-fee remittances to 20+ countries, including African markets. The platform's multi-country approach provides broader regional coverage than Breet or Busha, though specific African country support and local currency options aren't fully detailed. Better for users needing cross-border African transactions.

Bitmama operates from Nigeria with support for NGN, GHS, and KES, plus availability in 100+ countries globally. The platform's strength is connecting African users to global payment systems rather than deep local integration. Good for users needing both African and international reach, though local payment method variety may be more limited than Busha.

Breet leads in business tools with developer APIs for payment integration, an OTC desk for high-volume trades, invoice generation for accepting crypto payments, and a VIP dashboard for $5,000+ traders. The platform is clearly designed with business users and developers in mind, offering the most comprehensive B2B toolkit among the four platforms.

Busha mentions enterprise-grade security standards, suggesting business-level capabilities, but doesn't publicly detail specific APIs, merchant tools, or business account features. The platform's scale (1M+ users) implies some business support, but it appears more consumer-focused than Breet. Business users should inquire directly about available tools.

Roqqu offers business payment tools, payment links for accepting funds, and integration options for company finance workflows. The platform's features suggest solid B2B capabilities, though less developer-focused than Breet's API approach. Good for businesses needing payment acceptance and workflow integration rather than deep technical integration.

Bitmama's global payment features (paying for Spotify, AWS, etc.) imply some business utility, but the platform doesn't publicly detail APIs, merchant tools, or business-specific features. The focus appears consumer-oriented with business use as a secondary benefit. Companies needing dedicated business tools should look to Breet or Roqqu.

Breet's 99.7% transaction success rate is the highest verified metric among competitors. The non-P2P model eliminates counterparty risks inherent in peer-to-peer platforms. The recent 3.0 Pro Max upgrade demonstrates active development and platform investment. However, specific security certifications (ISO, etc.) aren't detailed, and regulatory licensing status is unclear.

Busha has the strongest regulatory position with SEC licensing in Nigeria, enterprise-grade security standards, and NDPR-aligned data protection. The 1M+ user base and strong app store ratings demonstrate proven reliability at scale. The regulatory compliance makes it the safest choice for risk-averse users prioritizing legal protection and institutional-grade security.

Roqqu matches Busha in security credentials with ISO 27001 certification, GDPR compliance, and a 2024 NDPR audit. The platform uses cold storage for assets and mandatory 2FA for accounts. High uptime claims and 24/7 monitoring add to reliability. The comprehensive security certifications make it ideal for security-conscious users, though it lacks Busha's SEC regulatory licensing.

Bitmama operates via partnerships with licensed transmitters where required and emphasizes security and transparency. However, the company is rebranding to avoid confusion with an unrelated fraud case involving someone who used the "Bitmama" name. While the platform itself isn't implicated, the rebranding need suggests brand trust challenges. Security measures are mentioned but not detailed like Roqqu's certifications.