Your money, and every
way you actually spend it.
Airtime, data, electricity, cable, bank transfers, gift cards. One balance behind all of it, and a published rate on every rail.
Android today · iOS in review
Ten rails, one balance.
Every one of these settles against the same wallet. No sub-accounts to top up, no separate float to keep an eye on.
Ten naira, however much you send.
Between two ErasPay wallets there is no bank in the middle, so there is nothing to price as a percentage. It is ₦10 on ₦500 and ₦10 on ₦500,000, and it lands while you are still looking at the screen.
Three steps, then it is just your wallet.
Open a wallet
Phone number, then BVN to lift your limits. Verification runs in the app; nothing is posted to you and nothing needs a branch visit.
Fund it
Transfer to your dedicated account number, or add a card. Deposits are 2.50%, and the fee is shown before you confirm, never after.
Spend it
Pick a service, pay, done. Tokens and receipts arrive in the app, and every line item stays in your history with the fee it carried.
The whole fee table, on the marketing page.
Not a range, not “from”, not a link to a PDF. This is what the fee engine charges today, and no rail runs below what it costs us to move.
| Rail | What you pay | Bands |
|---|---|---|
| Deposit | 2.50% | Bank transfer in |
| Card funding | 2.50% | Debit card top-up |
| Bank payout | ₦25 / ₦50 / ₦100 | Flat, banded at ₦5,000 and ₦50,000 |
| Wallet to wallet | ₦10 | Any amount |
| Bills & airtime | ₦5 – ₦50 | Banded at ₦500, ₦2,000 and ₦10,000 |
| Crypto in | 0.50% | On the naira value credited |
| Gift cards | 2.00% | Of the payout |
| RMB payout | 1.00% | Supplier settlement |
No rail sets a fee ceiling. A ₦1,000,000 bank payout costs ₦100, the same as a ₦50,001 one, because the cost underneath it is flat too. Where a provider prices in a percentage, so do we.
Built like it holds money. Because it does.
BVN-verified identity
Wallets are tied to a verified identity before limits lift. It is the same check your bank runs, done once, in the app.
One device at a time
Sessions are bound to the device that signed in. A login somewhere else has to be approved from the phone you already hold.
Every action recorded
Each transaction carries the address it came from and the device that made it, kept as an audit trail we can replay if you dispute a line.
Reconciled, not assumed
Deposits are checked against the provider on a schedule, so a payment that a webhook missed still reaches your balance.
Open a wallet in about
two minutes.
Android is available now. The iOS build is with Apple. Bring a phone number and your BVN, and you can be paying a bill before the kettle boils.