Naya keeps things simple. If you type help, it replies with a list of commands and what each one does, so you do not have to guess how to use it. You can then follow the prompts step by step, just like chatting with someone guiding you through the process.

Domestic transfers settle on NIP/NIBSS rails — typically under 10 seconds. Crypto off-ramps complete in under 60 seconds. You see the expected time before confirming every transaction.

Yes. Naya works with CBN-licensed partners in Nigeria, and your funds stay within regulated banking infrastructure rather than being stored directly by Naya. Transactions are protected, and every transfer is shown back clearly before you confirm it.

Naya is currently live in Nigeria only. Kenya, Ghana, South Africa, Rwanda, Tanzania and Uganda are planned markets and will be added gradually as rollout expands.

Through a guided chat — no branch visit needed. Submit your BVN or NIN and a photo of your ID document directly in the WhatsApp conversation. The whole process takes under 5 minutes.