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Sell USDT for naira

Send USDT on TRC-20, ERC-20 or BEP-20, sell it the moment it lands or hold it until you're ready, and withdraw naira to any Nigerian bank in 5 to 10 minutes.

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How to sell USDT
for naira

Copy your USDT deposit address in the Swapto app for the network you're sending on, send the USDT, then sell it automatically on arrival or manually when you choose. Withdraw the naira to any Nigerian bank in 5 to 10 minutes.

Pick the right network before you send

Pick the right network before you send

Swapto accepts USDT on three networks. The network you choose in your sending wallet must match the network of the address you copied.

Check the network

Check the network

ERC-20 and BEP-20 addresses look identical. When your wallet asks for a network, choose the one shown next to the address you copied from Swapto. USDT sent on the wrong network may not arrive.

Sending on TRC-20?

Sending on TRC-20?

Keep some TRX in your wallet. Tron charges token transfers in energy, and if you have none, the network burns TRX to cover the fee.

How long it takes

How long it takes

Network confirmation: TRC-20 transfers usually confirm within minutes. ERC-20 and BEP-20 times vary with network traffic.

Who sells USDT on Swapto

Freelancers paid by foreign clients

Freelancers paid by foreign clients

Families receiving money from abroad

Families receiving money from abroad

Traders taking profit

Traders taking profit

Frequently Asked
Questions

USDT on the TRC-20 network typically confirms in 2 to 5 minutes. Once confirmed, you can sell your USDT, and the naira lands in your Nigerian bank account 5 to 10 minutes after you sell.

TRC-20 on the Tron network is typically one of the cheapest and fastest options for sending USDT. Network fees are often around $1, with confirmation usually taking 2 to 5 minutes. ERC-20 on Ethereum can have significantly higher gas fees, while BEP-20 may offer lower fees but may not be supported everywhere. For Nigerian off-ramping, TRC-20 is a popular option.

Sending very small amounts may not be worthwhile, because the network fee charged by your sending wallet can take up a large share of the value. Unverified accounts without BVN verification are capped at ₦500,000 cumulative trade volume. Verification is free and can be completed inside the app.

Swapto uses the live USDT/USD rate combined with the current USD/NGN parallel market rate. The rate you see when you confirm the sale is the rate that applies. You can check the live calculator on the Swapto homepage before selling.

Yes. You can use your Swapto USDT deposit address to receive USDT from supported external sources. Make sure you select the correct network, such as TRC-20 if that is the network supported by your Swapto deposit address. Once the USDT arrives, you can convert it to naira through Swapto.

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.

Sending USDT on the wrong network may result in the funds not arriving and could lead to permanent loss. Always make sure the network you select on the sending wallet matches the network shown for your Swapto deposit address. If you make a mistake, contact WhatsApp support at +234 811 337 2579 within 24 hours and provide your transaction hash.

Yes. The CBN lifted its restriction on banks serving crypto businesses in December 2023, and the Investments and Securities Act 2025 brings digital assets under SEC oversight. Swapto operates within this framework through a licensed partner.

Generally, naira payouts from Swapto are sent from a corporate bank account and appear as business disbursements. However, banks may still review or request documentation for certain transactions as part of their anti-money-laundering and compliance procedures, especially for large deposits.

Yes. You can repeat the same USDT-to-naira workflow for recurring client payments. Save your Swapto USDT deposit address and share it with your client, ensuring they use the correct supported network. Once the USDT arrives, you can convert it to naira through the app and withdraw to your Nigerian bank account.

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