Yellow Card closed its app to individuals at the end of 2025 and now serves businesses only. If it was how you turned crypto into naira, here is what replaces it, job by job, with each option's own published numbers.
Indicative market rate. The rate you see in-app is the rate that settles.
Yellow Card announced that it was discontinuing its retail app to focus on business customers. The last day to withdraw through the app was 31 December 2025, and the app was discontinued on 1 January 2026.
If you believe you still have a balance there, Yellow Card's own support team is the only party that can help; no other app can reach it for you.
| You used Yellow Card to | What to use now |
|---|---|
| Sell USDT, BTC or other crypto for naira | A direct cash-out app. On Yesa you see the naira figure before you send, pay zero sell fees, and withdraw to your bank. The options are compared below. |
| Buy crypto with naira | Yesa buys nine coins with naira, paid from your Yesa naira balance or by bank transfer, with the rate on screen before you confirm: see how to buy crypto with naira. |
| Hold dollars as USDT or USDC | Any exchange or self-custody wallet. When you want naira, sell from there; see USDC vs USDT in Nigeria. |
| Get paid from abroad in stablecoins | Receive USDC or USDT in your own wallet, then sell it; see paid in USDC, how to get naira. |
Only what each app publishes about itself, checked on 1 November 2026. This table shows the points where Yesa differs.
| Option | Measured payout speed published | Bank payout |
|---|---|---|
| Yesa | Yes | Median 4.7 seconds across 1,700 payouts |
| Breet | No | Within 5 minutes, per its help centre |
| Monica | No | No measurement |
| Busha | No | No figure published |
| Luno | No | 6 to 12 hours |
The full write-up of each app, with what you give up, is in the best apps to sell USDT in Nigeria.
Choose the coin, and copy the address for a network your deposit screen lists. For USDT, TRC-20 is the common choice in Nigeria.
Paste the address and pick the same network on that side. Yesa shows a memo only on networks that need one.
Watch it arrive before you move the rest.
The naira amount is shown before you confirm. On the latest version of the app, your naira amount is held on the confirm screen, with a countdown. Confirm while it runs and you get the amount shown. If the market moves too far, you see a fresh price before anything is sold. Withdraw to any Nigerian bank account.
Not for individuals. Yellow Card discontinued its retail app on 1 January 2026 and now serves business customers only. The last day to withdraw through the app was 31 December 2025.
Yesa, which we build. You see the exact naira figure on screen before you sell, pay zero sell fees, and get a bank payout with a measured median of 4.7 seconds across 1,700 payouts. Breet and Monica convert on arrival.
One that both sides list. TRC-20 is the common choice in Nigeria because it is fast and cheap. Send a small test amount the first time.
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. Yesa publishes this page. Facts about other products come from what they publish on their own websites and help pages, checked 1 November 2026. If you spot something out of date, tell us and we will correct it.