USDC exists on many networks, and the network decides what the transfer costs, how long it takes and whether it arrives at all. Yesa accepts USDC on six of them. This page covers each one, and the two mix-ups that lose people money.
Typical figures; fees move with network traffic. Your Yesa deposit screen is the final word: send only on a network it lists, and send a small test amount the first time.
| Network | What kind of USDC | Typical transfer fee | Typical speed | Where it usually comes from |
|---|---|---|---|---|
| Base | Native, issued by Circle | A cent or less | Seconds | Coinbase, Coinbase Wallet, Deel |
| Solana | Native, issued by Circle | A fraction of a cent | About a second | Phantom, Solflare, Deel |
| Arbitrum | Native, issued by Circle | A cent or less | Seconds | Rise, MetaMask, trading apps |
| Polygon | Native, issued by Circle | A cent or less | Seconds | Deel, Rise, Polymarket, MetaMask |
| Ethereum (ERC-20) | Native, issued by Circle | Usually a few dollars | Minutes | Exchanges, Bitwage, older wallets |
| BNB Smart Chain (BEP-20) | Binance-pegged, not issued by Circle | A few cents | Seconds | Binance, Trust Wallet, Deel |
An address that starts with 0x looks the same on Ethereum, Base, Arbitrum, Polygon and BNB Smart Chain. That makes it easy to copy an address for one network and send on another. The rule is simple: the network you choose when sending must be the network shown beside the address you copied. Solana addresses look different and only work on Solana.
Funds sent on a network the receiving address does not support are usually not recoverable. That is true on every platform, not just ours.
On Polygon and Arbitrum there is an older, bridged token called USDC.e. It was the stand-in before Circle launched native USDC on those networks in 2023. It has a different contract address, and Circle does not redeem it. Many wallets still hold it, and some show both side by side.
Yesa accepts native USDC on both Polygon and Arbitrum, and does not accept USDC.e. Before you send, check the token name in your wallet. If it says USDC.e, swap it to USDC in your wallet first; on these networks that swap costs a few cents.
Choose USDC and pick the network you will send on. Copy the address shown for that network.
In your wallet, exchange or payroll platform, select the identical network before you paste the address.
On five of the six networks a test costs a cent or less. It buys complete confidence in the address and the network.
The USDC to naira payout rate is shown before you sell, and published daily on this site.
To any Nigerian bank account.
Coming from a specific place? See Deel and Rise, Coinbase or Phantom.
Ethereum (ERC-20), Solana, Polygon, BNB Smart Chain (BEP-20), Base and Arbitrum. Your Yesa deposit screen is the final word: send only on a network it lists, and send a small test amount the first time.
Solana, Base, Arbitrum and Polygon usually cost a cent or less. BNB Smart Chain costs a few cents. Ethereum usually costs a few dollars. Fees move with network traffic, so your wallet's estimate at the moment of sending is the real figure.
No. One USDC sells for the same naira payout rate whichever accepted network it arrived on. The network only changes what you pay to move it and how long it takes.
USDC.e is an older bridged version of USDC on Polygon and Arbitrum with a different contract address. It is not the same token as native USDC, and Yesa does not accept it. Swap it to USDC in your wallet before sending.
It is a Binance-pegged version, issued by Binance and not by Circle. It is accepted on Yesa and sells at the same payout rate.
Contact the support team of the platform you sent to straight away with the transaction hash. Be aware that on most platforms, funds sent on an unsupported network cannot be recovered, which is why the small test send matters.
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 20 September 2026. Information about other products comes from their own help pages and documentation; if you spot something out of date, tell us and we will correct it.