Hold crypto.
Invoice the work.
Bank the naira.
Fendo is a wallet and a work bench in one app. Hold and swap the major coins, move naira in through your own account number, or bill a client and take USDT or USDC. When you want cash, sell straight to your Nigerian bank.
Open Google Play. The iOS app is on the App Store.
NDPR Data protection. Busha Identity verification. CBN & SEC Our licensed payments partner.
Check the rate before you move.
The same quotes the wallet trades on. Type an amount, flip the pair, and see what lands, for naira and every coin we list. Indicative rates from our live order pricing, refreshed as the market moves. The app shows the final figure before anything settles, and rail fees that are not ours still apply on withdrawals and sends.
Up and running in three steps
01. Verify once
Sign up with email. One identity check on our partner's secure verification page. No trading desk. No jargon.
02. Fund it your way
Get paid by a client straight to your wallet, deposit crypto you already hold, or send naira to your own Fendo account number and hold it or buy USDT, USDC, BTC, ETH or SOL.
03. Use it or cash out
Hold, swap between coins at the quoted rate, send one to your own wallet, or sell and take naira in your bank. The figure you see is the figure that lands, and your limits are always shown in the app.
Everything you need to exchange with confidence
A real crypto wallet
A balance and a standing deposit address for each coin we list. Deposits land on the network you picked and show in the app.
A naira wallet with its own account number
Every account comes with a dedicated naira account number. A bank transfer to it lands in your naira balance -- ready to buy crypto, or to sit there until you need it.
Buy with naira
USDT, USDC, BTC, ETH and SOL. You see the rate and our fee before anything moves, and the coin lands in your wallet.
Sell to your bank
Any funded balance in: a coin, or naira itself. Naira out through a CBN and SEC compliant partner. Rate locked when you confirm.
Swap coins
Convert between the assets you hold at the live rate. The amount you are shown is the amount that lands in your wallet.
Send to your own wallet
Withdraw any coin on chain to an address you control. The fee and the minimum are shown before you confirm.
Auto convert deposits
Choose the coin you prefer to hold. Deposits in anything else arrive converted into it.
Invoices that clients can pay
A link for the browser, not a screenshot of a wallet. What they owe, what it is for, and where to pay.
Retainers without chasing
The same invoice every month. We write it and tell you. Your client hears nothing from us until you send it.
Paperwork beside the money
Expenses with receipts, an income statement as a PDF, and a shorter proof of income when a landlord or lender asks.
Points on eligible trades
A share of our fee on each sale and buy comes back as points worth one naira each. A trade that cannot carry our fee does not go through, so a point is only ever paid out of money actually earned. A referral pays both sides once the new user's trade qualifies.
Limits you can read
Daily and per-transaction limits are listed in the app and on every confirmation screen. You see them before you move money, not after.
Rate alerts on your phone
Set the rate you are waiting for and get a push when it hits, plus the morning bulletin every day.
Proof it is you
Every sale, buy and send needs Face ID, fingerprint or your transaction PIN. Turn on two factor and it is required as well.
Common questions
Can I look around before I sign up?
Yes. Open the app and explore the real screens, wallet, live rates and the workbench, with sample data marked as such. You create an account when you want to act, and verify your identity before anything can move money.
Where does my naira actually sit?
In your own naira wallet, behind a dedicated account number issued through our licensed partner. Transfers to it land in the app as naira, and withdrawals go out to any Nigerian bank account you name.
I am a freelancer paid in USDT. Is this for me?
Yes. Invoice the client, take the stablecoin, then hold it, swap it or bank the naira. The record of all of it stays beside the money.
Can I buy and hold crypto too?
Yes. Buy USDT, USDC, BTC, ETH or SOL with naira, or deposit what you already hold. Keep it, swap it, send it out on chain, or sell it for naira when you want cash.
Do you email my clients?
No. You send the invoice or the link. We never contact your clients. Retainers remind you, not them.
Are there hidden fees?
No. Our margin is inside the rate. Our payments partner charges to send your naira, and Nigerian law applies a 50 naira stamp duty to transfers of 10,000 naira and above. Both are itemised before you confirm, and the smallest sale or buy is 1,500 naira, all fees included.