---
title: "Xend Finance: DeFi Savings App in Nigeria"
description: "Save in stablecoins in Nigeria and earn up to 15% APY via AutoYield vaults. Bridge assets cross-chain and build tokenized assets on Asset Chain."
canonical_url: "https://liners.com/xend-finance"
markdown_url: "https://liners.com/xend-finance.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/xend/screenshot.webp?v=1772894832291"
published_at: "2026-03-20T10:18:15.370Z"
updated_at: "2026-10-06T09:19:33.652Z"
---

# Xend Finance: DeFi Savings App in Nigeria

Save in stablecoins in Nigeria and earn up to 15% APY via AutoYield vaults. Bridge assets cross-chain and build tokenized assets on Asset Chain.

## Breadcrumbs

- [Crypto & Web3](/categories/crypto-web3)
- [Xend Finance](/xend-finance)

## Summary

DeFi savings, stablecoin yields, and onchain asset tokenization

A DeFi platform for individuals, credit unions, and developers to save in stablecoins, earn yields up to 15% APY, bridge assets cross-chain, and build on Asset Chain.

## Product details

| Field | Value |
| --- | --- |
| Website | https://xend.africa/ |
| Tagline | DeFi savings, stablecoin yields, and onchain asset tokenization |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Xend Finance is a decentralized finance (DeFi) platform for individual savers, crypto users, and institutions such as credit unions and cooperatives that want to convert value into stable cryptocurrencies, hedge against inflation, and access onchain financial products.

Key capabilities include:
- **DeFi savings and yield products** via vaults such as **AutoYield**, which aggregates yield opportunities across multiple blockchains, with yields reported on the site as up to **15% APY**.
- **Asset Chain**, an **EVM-compatible layer-1 blockchain** designed to support the **legal tokenization of real-world assets**, including tangible and intangible assets, with native apps for **staking**, **swap**, and **bridge**.
- **Cross-chain transfers and asset movement** through **Xend Bridge**, plus a self-custody option via **Switch Wallet** for holding and transacting digital assets.
- **Developer tooling** including a **Web SDK** and documentation to build dApps and integrations on the platform and Asset Chain.

Available on **Web** (dApp, vault, staking, bridge) and **Android** (Google Play). iOS availability is mentioned in external coverage but not confirmed in the provided site data.

It primarily serves **B2C users** seeking stablecoin savings and yield, while also supporting **B2B and developer** use cases for cooperatives, credit unions, and teams building tokenization and DeFi applications.

The product is notable in the African market for its stated origins as a DeFi project out of Africa, its focus on credit unions and cooperatives, and its expansion into an onchain asset tokenization stack anchored by an Africa-built EVM layer-1 (Asset Chain). The site also lists security audits by firms including **CertiK**, **TechRate**, **Vidma**, and **Omniscia**, and reports **200k+** users of its DeFi products.

## Features

- [Crypto & Web3](/categories/crypto-web3): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [P2P](/tags/p2p): Product feature or technology
- [Stablecoins](/tags/stablecoins): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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