Breet — Crypto & Stablecoins Payment API for African Businesses 
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Send money and track spending directly in WhatsApp
Velcro
A WhatsApp chat-based payments bot for Nigerians to send money, pay bills, buy airtime and data, and create payment links to collect Naira or crypto.
Velcro Product Overview
Is Velcro Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerians on WhatsApp
- Everyday money transfers
What It Does Well
- WhatsApp chat payments
- Send money in Naira
Things to Check
- Supported billers list
- Bank transfer limits
About Velcro
Velcro is a WhatsApp-based payments and bill payment bot for individuals and small businesses in Nigeria that completes financial transactions through simple chat commands.
Key capabilities include:
- Money transfers: send and receive funds inside WhatsApp, including transfers between bank accounts (Bank → Velcro → Bank).
- Bills and top-ups: buy airtime and data, pay electricity bills, and renew TV subscriptions (DSTV, GOtv, Startimes); the service also supports other bill types shown on its site such as WAEC and betting.
- Crypto ramp: top up with USDC/USDT and convert crypto to Naira for spending or cash out from WhatsApp.
- Payment links: create reusable payment links to collect payments in Naira or USDC, plus transaction history and instant receipts.
Available on WhatsApp only (no separate app download required).
It targets Nigerian consumers such as students, freelancers, and small business owners who want to handle day-to-day transfers and bill payments without switching apps.
Velcro is notable in Nigeria’s fintech market for combining everyday bill payments with a crypto-to-Naira flow and payment link collection in a single WhatsApp conversation, with built-in account controls like lock, freeze (lost phone), and suspicious sender reporting.
Velcro Facts
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Official Links
What it does
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Frequently Asked Questions About Velcro
Velcro is a fintech platform that operates on WhatsApp, allowing users to send and receive money, pay bills, and buy airtime or data directly through chat. It works by letting users complete financial transactions through simple WhatsApp commands without needing a separate app.
Velcro uses a custom or usage-based pricing model, so the cost is typically shared after signup or via sales/contact inquiry.
Velcro operates in Nigeria
You sign up by creating an account on the platform (web or WhatsApp entry is available), then completing onboarding with your personal details and verification.
Velcro is best suited for individuals and small businesses who want to manage finances, make payments, and access banking-like services from a simple digital platform (especially mobile-first users).
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