For investors
Turning digital dollars into everyday spending.
Millions of Nigerians hold savings in digital dollars and cannot spend them at a shop. CrAza lets them pay by scanning a code. The shop gets naira, in full, and our margin sits inside the rate.
This page is about equity in CrAza, the company. We do not sell an investment product and pay no return on any balance.
- Market
- Nigeria
- Customer
- People who hold digital dollars
- The shop gets
- Naira, in its own bank account
- The shop pays
- ₦0
- Revenue
- A margin inside the rate the customer agrees
- Stage
- Pre-launch. Nobody is transacting yet.
- Company
- CAC registration in progress
At a glance
Why now
The dollars are already here. The rules have arrived.
People in Nigeria already hold and move digital dollars at scale, and the rules for the businesses that hold them are now written down.
3rd
Nigeria’s place out of 117 countries in the 2026 Global Crypto Adoption Index, which covers July 2025 to June 2026. Only Brazil and the United States rank higher.
Source: 2026 Global Crypto Adoption Index, Chainalysis, 23 September 20261st
For domestic peer-to-peer transfers in the same index: value moving directly between people’s own wallets inside the country. Nigeria also ranks first for cross-border flows.
Source: 2026 Global Crypto Adoption Index, Chainalysis, 23 September 2026$92.1bn
In on-chain value received by Nigeria between July 2024 and June 2025, nearly triple the next country in Sub-Saharan Africa, South Africa.
Source: Sub-Saharan Africa regional report, Chainalysis, 10 September 2025Third-party estimates from on-chain data. They describe the market, not CrAza, which has no customers yet.
March 2025
The Investments and Securities Act 2025 recognised digital assets as securities and put the businesses that hold and exchange them under the Securities and Exchange Commission.
Source: Tinubu signs Investment and Securities Act 2025 into law, Nairametrics, 29 March 2025December 2023
Central Bank of Nigeria guidelines allowed banks to open accounts for digital asset providers licensed by the SEC, replacing a 2021 restriction.
Source: CBN releases guidelines for regulating virtual assets in Nigeria, Nairametrics, 22 December 2023The product
Scan. Confirm. The shop is paid.
One app for the person paying and the shop being paid. The sale is final at the counter; converting and paying out happen afterwards, and never hold it up.
1The customer sees the price
2Confirms with a PIN
3The shop is told at once
Business model
One margin, on the customer’s side.
Agreed before they pay, inside the rate. Pricing and unit economics are in the deck, and we are glad to walk through them.
The margin is in the rate
The customer sees the naira price and the rate before confirming. We keep the difference between that rate and the rate we convert at. No fee on top.
The shop pays nothing
Full naira amount on every sale, no terminal, no monthly fee: the usual reasons a shop says no to a new way to pay, removed.
Naira to the shop’s own bank
Takings reach the account the shop already uses, through a licensed Nigerian payment provider, on their own or when the shop chooses.
How it is built
Licensed partners hold the money.
We are a technology company. Holding the asset, converting it and moving naira are done by licensed partners. CrAza is deliberately not an exchange, a bank or a bureau de change.
No keys held by us
A licensed custodian holds the digital assets. We build the app, the shop tools and the ledger in between.
Identity first
NIN and BVN checks in front of every first payment, as Nigerian rules require.
Atomic payments
A payment completes entirely or not at all, in a single database transaction.
A real ledger
Double-entry, reconciled against itself on a schedule. Every kobo has a source and a destination.
Status
What exists, and what is still being arranged.
In development. Mobile app launching soon. Nobody is transacting yet.
Built
- The customer app: top up, scan a shop’s code, see the price and the rate, pay with a PIN, keep the receipt.
- The shop side of the same app: charge by code, see takings in naira, send them to the bank.
- A double-entry ledger and the payment engine, with identity checks in front of every payment.
- An operations console for treasury, payouts and the waitlist.
- This site, and a waitlist that is open now.
In progress
- Company registration with the Corporate Affairs Commission (CAC).
- An agreement with a licensed custodian to hold the digital assets. It is not signed yet, which is why no partner is named on this site.
- An agreement with a licensed Nigerian payment provider to pay shops in naira. Not signed yet.
- Opening to customers and shops, once those agreements are in place. The waitlist hears first.
Talk to us about backing CrAza.
We will send the deck and find a time to walk through the product, the unit economics and where the regulatory work stands. This is about equity in the company, never a return on a balance.