Are you looking for the best app to receive stablecoins in Nigeria?
Stablecoins are digital currencies (like USDT, USDC, or cNGN) designed to stay worth roughly $1 or ₦1 each, so unlike Bitcoin, which can jump or crash wildly, your salary, loans, or payment in stablecoins should feel almost the same as receiving dollars or naira without big unexpected changes in value.
To save you time and money, I’ve carefully selected the seven best apps you can use to receive stablecoins in Nigeria. These apps are ranked based on speed, security, fees, and ease of use, using real-world testing.
By the end of this guide, you’ll know exactly which app to use to secure your funds instantly.
Top 7 Apps to Receive Stablecoins in Nigeria (2026)
Karsa - Free virtual dollar account and card
Breet - Very fast, stable to naira payment
Spenda - Spend your stablecoins like cash
PalRemit - Support multiple networks
nsave - Invest in stocks with stablecoins
Spendin - Convert to South African Rand or Naira
Cash-in - Instant conversion to your bank account
1. Karsa - 4.1 (Play Store)
Karsa is designed to receive and earn interest in stablecoins such as USDT and USDC. It supports the most commonly used networks by Nigerians. The app offers a clean experience for receiving, holding, and converting stablecoin to Naira.
Unlike apps that force an immediate swap to Naira, Karsa provides a high-yield USD account, allowing users to hold digital dollars while earning 4-5% APY.
Pros
Easy conversion to Naira
Free virtual dollar account and card
Earn interest in dollars
Cons
Not many advanced trading features
Some crypto networks may not always be available
2. Breet - 4.5 (App store and Play store)
Breet is best if your main goal is to receive stablecoins and cash out immediately.\ Once your USDT is confirmed, your naira is paid almost instantly.
You don’t need to wait for buyers or negotiate prices.
Pros
Very fast naira payment
Easy to use
Reliable for USDT
Cons
Not good for holding funds long-term
Supports fewer stablecoins
3. Spenda - 4.6 (App store and Play store)
Spenda makes spending crypto feel like cash; it is effortless. You convert cryptocurrency to cash in real-time for instant bank transfers and bill purchases.
Pros
Spend your stablecoins like cash
Pay your bills and send bank transfers quickly
Supports multiple networks
Cons
Conversion fees apply
Not many complex tools are available
Relatively new with a growing customer base
4. PalRemit - 3.8 (App store and Play store)
If you care about major network support, then open a PalRemit account. You can receive USDT and USDC via different crypto networks, such as TRC20, ERC20, BEP20, MATIC, and more.
This makes it easier when the sender can only use a less popular network.
Pros
Supports many networks
Flexible deposit options
Transactions are reliable
Cons
Fees depend on the network used
App design is basic
5. nsave - 4.3 (App store and Play store)
nsave is best if you want to keep your stablecoins and earn from them. Instead of rushing to convert to naira, you can hold your USDT or USDC (USD-backed) and let it grow over time.
Pros
Allows you earn on stablecoins
Get a free US Dollar account
Invest in stocks
Cons
Slower access to the naira
Not good for frequent withdrawals
6. Spendin - 4.7 (App store and Play store)
Spendin is a wallet-focused app that lets you receive stablecoins, send them to your naira account, and even send them across Nigeria.
It’s built for everyday use, not complicated trading.
Pros
Simple to receive USDT and USDC and spend
Send to Naira and South African Rand accounts
Good for daily transactions
Cons
Conversion features are still limited
Not many advanced tools
7. Cash-In - 4.6 (App store and Play store)
Cash-In is built for quick crypto-to-naira conversion, allowing you to send stablecoins like USDT or USDC. Your Naira is paid directly to your bank account.
The app does not work like a wallet; it focuses on fast deposits and instant payout, making it useful for simple cash-out needs.
Pros
Fast conversion to Naira
0% Service fee
Direct bank payout
Simple and easy to use, with low KYC requirements
Cons
Not a storage wallet
Limited holding options
Comparison Table: Best Apps for Your Stablecoins (2026)
| App | Supported Coins | Networks for Your Transfers | Best choice for you |
| Karsa | USDT, USDC | TRC20, ERC20 | If you want to receive, earn, and get a free virtual dollar card. |
| Breet | USDT, USDC | TRC20, ERC20, BEP20 | If you need your cash in Naira immediately. |
| Spenda | USDC, USDT, BTC, SOL | TRC20, SOL, Polygon | Excellent for utility payments |
| PalRemit | USDT, USDC | ERC20, TRC20, BEP20, SOL, MATIC, and more. | If you receive funds from many different chains. |
| nsave | USDT, USDC, PYUSD | TRC20, ERC20, Base, SOL | Saving and earning high interest on your dollars. |
| Spendin | USDT, USDC | TRC20, ERC20, BEP20 | Convert your coins to Naira or South African Rand and spend. |
| Cash-in | USDT, USDC | TRC20, ERC20 | Quick stablecoin to Naira cash-out |
What App Should You Use?
The best app for you depends on how you plan to use your stablecoins.
If you want to receive stablecoins and also get a free dollar account and virtual card, then use Karsa. Karsa consistently delivers across most needs.
If you need instant cash in naira on your stablecoins, Breet, Spenda, and Cashin are the fastest for immediate conversion.
Thank you for reading.