---
title: "Spendex: Crypto Payments in Nigeria"
description: "Accept crypto, bank transfers and Naira in Nigeria; convert crypto to NGN and cash out to banks in seconds. Pay bills, book flights, use cards."
canonical_url: "https://liners.com/spendex"
markdown_url: "https://liners.com/spendex.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/spendex/screenshot.webp?v=1788785628945"
published_at: "2026-09-09T13:13:27.747Z"
updated_at: "2026-09-15T10:08:38.233Z"
---

# Spendex: Crypto Payments in Nigeria

Accept crypto, bank transfers and Naira in Nigeria; convert crypto to NGN and cash out to banks in seconds. Pay bills, book flights, use cards.

## Breadcrumbs

- [Crypto & Web3](/categories/crypto-web3)
- [Spendex](/spendex)

## Summary

Accept crypto and Naira payments with instant bank settlement

A payments platform for individuals, businesses, and developers in Africa to accept crypto and bank transfers, convert to Naira, pay bills, and settle to banks instantly.

## Product details

| Field | Value |
| --- | --- |
| Website | https://spendex.co/ |
| Tagline | Accept crypto and Naira payments with instant bank settlement |
| Primary country | Nigeria |
| Platforms | Web, Android, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Spendex is a payments platform for individuals, businesses, and developers in Africa (with a strong focus on Nigeria) to send, receive, spend, convert, and settle value in **crypto** and **Naira**.

Key capabilities include:

- **Convert crypto to Naira and cash out to banks**, with the exchange rate shown before confirmation and typical settlement in seconds
- **Business payment acceptance** for crypto, bank transfers, and cash, with options like **POS software**, **online storefronts**, **payment links**, and **embedded checkout**
- **Developer APIs for payments and settlement**, including creating charges, receiving **webhooks** (for example, charge settled events), and setting settlement currencies (such as NGN)
- **Everyday spend tools for individuals**, including **bill payments** (electricity, airtime, data, cable TV, betting), **flight booking**, shopping, and **virtual and physical cards** usable where Visa and Mastercard are accepted

Available on **Web**, **Android**, and via a **REST API** (docs: [https://docs.spendex.co/](https://docs.spendex.co/)).

Target users include Nigerian consumers who want to spend or cash out crypto, merchants and retail businesses that need in-person and online payment acceptance with fast settlement, and developers building crypto and Naira checkout flows.

Notable context: the website states the service is a product of **Agacy Tech Company Ltd**, with banking, card, and fiat payment services provided through **licensed partners**, and that crypto wallets are **non-custodial and self-directed**. It positions instant settlement to Nigerian bank accounts as a core workflow for both individuals and businesses.

## Features

- [Crypto & Web3](/categories/crypto-web3): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Crypto Trading and Wallets](/tags/cryptocurrency-trading): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Physical Cards](/tags/physical-cards): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/spendex/alternatives)
- [Reviews](/spendex/reviews)
- [Transparency](/spendex/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/spendex)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)