Who pays this way, which stablecoin and network to ask for, how to cash out to naira, and the records to keep.
To get paid in USDT you give the payer a USDT wallet address and the network it is on, they send from their own wallet or exchange, and the USDT lands in minutes. In Yesa that address is your USDT deposit address; once the deposit shows, you sell at the naira rate on screen and withdraw to any Nigerian bank, with zero sell fees.
A company or individual abroad that would otherwise need an international bank transfer. A USDT transfer needs only your address and arrives at any hour.
A relative sending money home can buy USDT where they live and send it to your address, and you convert it to naira here.
Payment for goods sold, a share of a deal, or a refund from someone who holds USDT already.
A stablecoin is a coin designed to track one unit of a currency, usually the US dollar. USDT is one of the most widely used stablecoins, so it is a sensible default unless the payer prefers USDC, which Yesa also buys. Either way you are agreeing a dollar figure, and either way the naira you receive depends on the rate on the day you sell. The USDC vs USDT guide compares the two.
USDT exists on several networks: TRON (TRC-20), Ethereum (ERC-20), BNB Smart Chain (BEP-20), Solana, Polygon and others. The same USDT on two different networks is two different transfers, and an address on one network does not work on another.
Your Yesa deposit screen lists the networks it accepts for USDT. Ask the client to send on one of those, and only those; USDT sent on a network the screen does not list can be lost.
The network fee is paid by whoever sends. Their wallet or exchange shows it before they confirm, and it changes with how busy the network is. Which network is cheapest also changes: in one comparison published in August 2026, an Ethereum transfer came out cheaper than a TRON one, the reverse of the usual assumption. Do not promise a client a figure; ask them to read what their wallet shows.
The network the client picks must be the network your address is on. Send the address and the network name together, in the same message, and ask the client to confirm both back.
A new client sending a new address should send a small amount first. When it shows in Yesa, the rest can follow.
In the Yesa app, choose USDT and open your deposit address. Note which networks the screen lists.
Send whoever is paying you the address and the network name together, and ask for both to be confirmed back. Paste the address; never retype it.
USDT shows in your Yesa balance once the network confirms it, usually within minutes on a quiet network. The deposit showing in your Yesa balance is your proof of receipt. Ask the client for the transaction hash from their wallet and save it with the invoice.
Choose Sell, enter the amount, and read the naira figure before you confirm. Yesa charges zero sell fees: the naira figure on screen is what reaches your Yesa balance.
Withdraw the naira to any Nigerian bank account. 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.
Someone abroad agrees to pay you a dollar figure in USDT. Say the invoice is 1,000 USDT. At a rate of 1,500 naira per USDT, for example, that is ₦1,500,000. That line is an illustration only; the rate moves every day.
The live USDT payout rate is in the chip at the top of this page and on the USDT to naira rate page. Yesa charges zero sell fees: the naira figure on screen is what reaches your Yesa balance. The naira amount you see in the app before you confirm the sale is the one credited to your Yesa balance, and you can withdraw it to any Nigerian bank account.
A crypto payment leaves a trail on the network, but nothing links that trail to your invoice unless you keep the link yourself. For every payment, write down:
Keep it in whatever you already use: a notebook, a sheet or an invoicing tool. Profits from trading may be taxable in Nigeria, and a client, a bank or a tax office can ask you to explain an inflow long after you have forgotten it. The record answers the question in one line.
Buying, holding and selling crypto is legal for individuals in Nigeria, and the FAQ below gives the current position with links to the regulators. Profits from trading may be taxable. This page gives no tax figures, because the rules are the tax authority's to state and they change; what does not change is that a clear record of every payment, in USDT and in naira, is what you will need whoever asks. This guide explains how to turn USDT you have been paid into naira. It is not a view on whether to hold or sell any coin, and nothing here is legal, tax or financial advice.
Give the payer your USDT wallet address and the network it is on. In Yesa, that is your USDT deposit address; the screen lists the networks it accepts. When the deposit shows, sell at the rate on screen and withdraw to your bank.
The one your deposit screen lists that the payer can send on. The fee is the sender's and shown in their wallet; it changes with network traffic, so there is no fixed cheapest network.
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.
Profits from trading may be taxable in Nigeria. This page gives no figures; keep a record of every payment, the rate you sold at and the naira received, and ask a tax professional about your own position.
The network confirmation is usually minutes. After you sell in Yesa, the withdrawal is next. 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. Yesa buys USDT and USDC for naira, each at its own rate on screen. The coins and networks page lists everything Yesa supports.
The Yesa Team. Details checked 27 October 2026. Details about other platforms come from their own help pages on the date shown and can change. Nothing on this page is legal, tax or financial advice.