The Gate.io exchange does not pay naira straight into your bank from your balance. The usual routes are its P2P market, or sending your USDT or USDC to an app that buys it for naira. Here is the second route step by step, and what to watch if you use P2P.
Gate.io lists a USDT to naira P2P market. As on any P2P market, another user pays naira into your bank and you release your crypto to them.
| P2P on Gate.io | Send to Yesa, then sell | |
|---|---|---|
| Who pays you | Another user, from their own bank account | Yesa |
| Your rate | Set by the buyer's ad | On your screen before you confirm the sale |
| What can go wrong | Fake payment alerts, payments from someone else's account, disputes that hold your crypto | Sending on a network your deposit screen does not list |
| Fees | Set by the buyer's ad and the exchange | Gate.io's withdrawal fee, then zero sell fees on Yesa |
| Speed to your bank | Depends on finding and waiting for a buyer | Median 4.7 seconds across 1,700 measured bank payouts, after the sale |
In Yesa, choose USDT or USDC and open your personal deposit address. The screen lists the networks it accepts; for USDC that is Ethereum (ERC-20), Solana, Polygon, BNB Smart Chain (BEP-20), Base and Arbitrum. Copy the address for the network you will use.
In the Gate.io app, open Assets (or Wallet) and tap Withdraw (names can change between app versions). Choose the same coin: USDT or USDC.
Choose a network that appears on Gate.io's withdraw screen and on your Yesa deposit screen. Gate.io shows its withdrawal fee and minimum for each network before you confirm, so compare them there. A coin sent on the wrong network can be lost.
Paste your Yesa address, enter the amount and confirm. Gate.io asks you to confirm with its security checks, such as a fund password, an email code or your authenticator app.
The first time, send a small amount and wait for it to show in Yesa before you send the rest.
The naira amount is on your screen before you confirm the sale. Then withdraw to any Nigerian bank account.
Not straight from your Gate.io balance. Use its P2P market, where another user pays your bank, or send your USDT or USDC to Yesa, sell it for naira at the rate on screen, and withdraw to your bank.
One that appears on both Gate.io's withdraw screen and your Yesa deposit screen. For USDC, Yesa accepts Ethereum (ERC-20), Solana, Polygon, BNB Smart Chain (BEP-20), Base and Arbitrum. Gate.io shows the fee for each network before you confirm.
Either works. Send the one you already hold; swapping first usually costs more than it saves.
First check whether Gate.io has finished processing it; exchanges sometimes hold a withdrawal for a security review. Then check the transaction on the network's explorer. If it is confirmed on chain and still missing in Yesa, email support@yesaapp.ng with the transaction hash.
Across 1,700 measured bank payouts on Yesa, the median payout time was 4.7 seconds. These are historical measurements, not guarantees. The on-chain part, your crypto reaching Yesa, comes first and depends on the network you send on.
Yes. Buying, holding and selling cryptocurrency is legal for individuals in Nigeria. Digital assets are recognised under the Investments and Securities Act 2025, and the Securities and Exchange Commission regulates digital asset services. Crypto is not legal tender, and profits from trading may be taxable, so keep your own records of what you buy and sell. This is general information rather than legal or tax advice; the Securities and Exchange Commission and the Central Bank of Nigeria publish the current position.
The Yesa Team. Details checked 29 September 2026. Details about exchanges come from their own apps, announcements and help pages on the date shown; menu names and fees can change. If anything here is out of date, email support@yesaapp.ng and we will correct it.