Breet — Crypto & Stablecoins Payment API for African Businesses 
100% match
Stablecoin wallets, payouts, and treasury through one API
Xpend
Liners checked this listing or its product relationship to a reasonable extent. Verification is not an endorsement or product test. How verification worksA WhatsApp-native crypto treasury platform for teams to load USDT once and pay out in NGN or RWF, send invoices, settle bills, and buy airtime with live FX.
Xpend Product Overview
Is Xpend Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigeria-based teams
- Treasury teams
What It Does Well
- WhatsApp-based payouts
- USDT-to-NGN payouts
Things to Check
- WhatsApp admin controls
- Payout limits
About Xpend
Xpend is a WhatsApp-native crypto treasury and payments tool for teams that need to convert USDT into local payouts in Nigeria (NGN) and Rwanda (RWF).
Key capabilities include:
- USDT-to-fiat payouts: Disburse USDT to bank accounts and mobile money in NGN or RWF, with delivery initiated from chat.
- Invoicing in chat: Generate invoices and payment links directly from WhatsApp to collect payments or request settlement.
- Operational spending: Buy airtime/data and pay utility bills for employees or vendors in Nigeria and Rwanda.
- Treasury controls and visibility: Use role-based approvals, device biometrics, and live FX quotes with locked deductions and audit trails.
Available on Android, iOS, and on the web app (app.justxpend.ai).
It is designed for B2B teams managing remote payrolls, supplier payments, and day-to-day business expenses in Nigeria and Rwanda.
Notable for its focus on running crypto-to-local treasury workflows inside WhatsApp without requiring traditional banking integrations, while supporting USDT on TRC20, ERC20, and BEP20 networks and offering built-in security features such as 256-bit SSL, payment passcodes, biometric login, and multi-device access for account recovery.
Xpend Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
African alternative to
Pricing & Fees
0.6% per transaction0.6% flat spread on FX, no monthly fee, no minimum balance, no withdrawal fee.
As of Oct 5, 2026, Xpend is rated 3.7 on the App Store from 6 reviews and 4.9 on Google Play from 11 reviews with 100+ installs.
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Frequently Asked Questions About Xpend
Xpend is a WhatsApp-native crypto treasury platform that lets teams convert USDT into local currency (Nigerian Naira or Rwandan Franc) for instant payouts. You load USDT once, then use WhatsApp to send money to bank accounts and mobile money, generate invoices, pay bills, and buy airtime with live foreign exchange rates.
Xpend operates without monthly or download fees, utilizing a flat 0.6% currency exchange spread on crypto transactions. The platform provides direct, cost-efficient crypto-to-fiat conversion options.
Xpend currently operates in Nigeria (NGN payouts) and Rwanda (RWF payouts), with plans to launch additional African corridors soon.
You can sign up for Xpend through the mobile app or by visiting the Xpend Web App to set up your PIN and complete basic identification requirements.
Yes, the mobile app is available on iOS and Android.
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