Got Crypto?
Just Swapto

Hold it, swap it, spend it. You decide.

Make your First Swap

virtual cards (coming soon)

crypto swap

pay bills

airtime & data

utilities

virtual cards (coming soon)

crypto swap

pay bills

airtime & data

utilities

Formerly Dtunes. Turning crypto into naira since 2021.

Paid to your bank in 5 to 10 minutes.

Philip Chukwudi

Account funded successfully 🎉

+ 0.29BTC

Sarah Williams

Deposit successful 💰

+ $1,200

Tobi Adeyemi

Payment received ⚡

+ 0.5ETH

One app. Unlimited
possibilities

No matter where life takes you, your money follows.

Save

Store crypto, stablecoins, and fiat, and earn rewards.

Swap

Convert Bitcoin, Ethereum, and Tether into naira at a rate shown upfront.

Spend

Use your crypto or cash to pay bills, airtime and data

You earned it.
Why are you still
waiting for it?

With Swapto you don't have to be stuck waiting for
your vendor. Or worry about P2P scams.

Handle your life with your
crypto

Cash out anytime

Crypto to Naira in 5 to 10 minutes, straight to your account.

Auto-sell

Turn it on and every deposit becomes naira the moment it lands in your wallet.

Handle the bills

Cable, electricity, internet, whatever's due. Sorted from your crypto.

Virtual cards

Coming soon. Spend straight from your crypto, anywhere cards are accepted.

Money the way it should be

Freedom feels even better when it pays you back and you keep more of your money.

Download the app

Every swap safe

Bank-level security and OTP on every move.

Money in minutes.

Swaps land fast. In, out, done, no long wait.

Easy from the first swap.

If you can send a text, you can easily make a swap.

Your money, locked down.

Encrypted end to end

Military-grade security protocols

Two-Factor Authentication

Extra layer of account protection

Fraud watch, always on

AI-powered threat monitoring

Support that answers

9am to 9pm, every day

Learn, Grow & Earn with Swapto

Learn more

Frequently Asked
Questions

Swapto is a Nigerian platform for selling cryptocurrency and paying bills. Sell Bitcoin, USDT, Ethereum, Tron, Litecoin, and other coins for naira, with payment landing in your Nigerian bank account in minutes. You can also use your naira balance to top up airtime and data, and pay for electricity, DSTV, GOtv, and Startimes subscriptions. Swapto was formerly known as Dtunes.

Download the Swapto app from Google Play or the App Store. Complete a quick BVN verification in about 5 minutes. Send crypto to your Swapto wallet using the network shown in the app. Once confirmed, sell it for naira at the live rate and withdraw the naira to your linked Nigerian bank account in 5 to 10 minutes.

You can sell Bitcoin (BTC), Tether (USDT), Ethereum (ETH), Tron (TRX), Litecoin (LTC), BNB, USD Coin (USDC), and other popular coins. Each coin has its own deposit address inside the app. Always match the network shown in the app when sending from an external wallet.

Crypto sell transactions typically complete in 10 to 30 minutes end to end. USDT on TRC-20 is typically the fastest, with 2 to 5 minute confirmation times. Bitcoin may take 10 to 20 minutes for 2 confirmations. Bank withdrawal after conversion takes another 5 to 10 minutes via NIBSS instant transfer. Airtime, data, and bill payments happen within seconds.

Swapto pulls live crypto prices from major exchanges and combines them with the current USD to naira parallel market rate. The rate you see when you confirm a trade is the exact rate that applies, with no hidden spread or last-minute markdowns.

Yes. Swapto operates within Nigeria's regulatory framework through a licensed partner. We use bank-grade encryption, two-factor authentication, and BVN verification to protect accounts. The Central Bank of Nigeria lifted its 2021 crypto banking restriction in December 2023.

Every major Nigerian bank works, including GTBank, Access, UBA, Zenith, First Bank, Fidelity, Sterling, Union, Wema, and Ecobank. Digital banks such as Opay, PalmPay, Kuda, Moniepoint, VBank, and FairMoney are also supported. If the bank accepts NIBSS instant transfer, Swapto can pay it.

You can pay for electricity across Nigerian DISCOs, including Ikeja Electric, EKEDC, AEDC, and PHED. You can also pay for DSTV, GOtv, and Startimes, as well as top up airtime and mobile data on MTN, Airtel, Glo, and 9mobile. Payments and top-ups deduct from your naira balance after selling crypto.

Before you confirm a sale, the app shows the exact naira amount you will receive. Network fees charged by your sending wallet are separate and are paid to the network.

Yes. Complete BVN verification inside the app under Profile and Verification. Verification takes about 5 minutes and is required by Nigerian regulations. Unverified accounts have a ₦500,000 cumulative trade limit, while verified accounts unlock unlimited trade volume.

Yes. Your referral link is in the app, and the current rewards and rules are shown there.

You can contact Swapto support on WhatsApp at +234 811 337 2579 for the fastest response during business hours, email support@useswapto.com, or use the live chat available inside the app. Support typically responds on WhatsApp within 10 to 30 minutes during business hours.