Compliant digital finance solution for cross-border businesses
Fiat ↔ USDT exchange
and cross-border settlement
Secure · live rates · low fees · fast settlement
Support real-time NGN / USD / HKD and USDT exchange for cross-border trade, treasury settlement and digital-asset on/off-ramp flows.
Enterprises served
500+
Secure settlement volume
$100M+
Secure and reliable
Layered risk controls protect every transaction
Live rates
Aggregated market depth helps secure optimal rates
Low service fee
Highly competitive fee structure
Fast settlement
Automated settlement can arrive in seconds
Apply for Business Account
Enterprise-grade security
Dedicated account manager
24/7 technical support
Choose the currency you pay
Feedback from a Lagos trading customer: clear pricing and clear transfer routes for frequent cross-border purchasing and settlement.
Covers enterprise treasury flows across NGN, USD, HKD and USDT for payment needs between Nigeria and global markets.
Identifies source-of-funds, wallet risk and abnormal behavior before transactions to reduce uncertainty around accounts and fund routes.
Lower fees and faster settlement for frequent cross-border flows than traditional wires
Save up to 70% versus traditional bank cross-border transfer costs
Compared with wire transfer, USDT settlement routes usually have lower fees and shorter settlement times.
See quote, fee and settlement time together
Enter an amount to view live rates, estimated fees and settlement timing without repeated quote requests.
Supports frequent Nigeria NGN and USDT exchange
For Lagos traders, ecommerce sellers and cross-border teams, covering collections, exchange and on/off-ramp needs.
- Settlement is often confirmed only at T+2 to T+3, causing finance teams to miss better same-day windows
- Before large-value execution, spreads, fees and final proceeds are often unclear, with hidden loss commonly around 0.6% to 1.2%
- References, routes and risk-control requirements are scattered across windows, forcing repeated manual checks before release
- Expected proceeds, fees and execution windows appear in one view, with common routes compressed toward T+0 confirmation
- When balances are insufficient, dedicated collection routes, references and funding instructions are displayed
- Wholesale liquidity, route recognition and settlement tracking stay visible together
Reference routes from local fiat into stablecoins, USD or HKD, with pricing and execution checks in one place.
The same workflow handles stablecoin off-ramping so funds return to enterprise accounts with the same execution discipline.
Complete exchange and settlement in 3 steps
1
Enter amount and get quote
Choose NGN, USD, HKD or USDT to instantly view live rates, fees and expected proceeds.
Live rates
Service fee
Settlement time
2
Confirm order and transfer
After confirming the quote, receive beneficiary details, transfer reference and order status to reduce transfer errors.
Order confirmation
Transfer reference
Status tracking
3
Complete exchange and receive funds
The system completes exchange and release, with proceeds, fee records and audit evidence visible.
Exchange completed
Settlement receipt
Fee record
Is the money safe? Compliance, segregation and monitoring are covered together
Bank-grade compliance controls
Create a closed loop around KYB, AML, source-of-funds review and audit tracking so every large transfer has supporting evidence.
Absolute clarity on asset paths
Clients can see funding instructions, beneficiary details and status updates clearly, reducing operational mistakes and uncertainty.
Institutional audit trail
From quote confirmation to settlement, every key action is reviewable, exportable and archivable for compliance and finance records.
FAQ
How does a corporate account reduce false-positive funding risk?
The system displays dedicated funding references, beneficiary details and execution notes, with KYT, AML and route review controlling risk upfront.
Does the expected proceeds amount include fees?
The quote view shows mid-market pricing, estimated total fees and expected proceeds together before execution.
Can we view pricing and routes before completing all materials?
Yes. Companies can first view executable currency pairs, collection routes and expected proceeds; KYB / AML continues during account opening.
How quickly can we get a corporate collection route?
Common routes can generate an initial reference quote and collection route within minutes; when manual review is needed, the account team follows up within a predictable window.
Which use cases fit ReliancePay?
It fits high-value collections, fiat settlement, stablecoin repatriation and multi-market treasury aggregation.
Guide to USDT and Nigeria cross-border settlement
What is USDT settlement?
USDT settlement lets businesses use a stablecoin as a cross-border bridge for collections, payments or exchange between fiat and digital assets.
How do I exchange naira to USDT?
Select NGN to USDT, enter an amount to view the live rate, confirm the order, follow the transfer instructions and receive funds to the designated account or wallet after exchange.
Is USDT legal in Nigeria?
Digital-asset activity in Nigeria must follow local regulation, licensing requirements, KYC/KYB, AML and banking-partner rules. Businesses should complete compliance review before use; this page is not legal advice.
What are common cross-border collection methods?
Common methods include bank wires, local collection accounts, payment service providers and stablecoin settlement. ReliancePay fits treasury flows that need faster settlement, lower fees and clearer routes.