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.
On 29 October 2025 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. The company still operates, for businesses, in dozens of countries.
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 | Full exchanges such as Busha and Luno sell crypto for naira, and P2P markets such as Bybit's still list the naira. Yesa is built around cashing out. |
| 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 20 September 2026.
| Option | How the sale works | Where the naira lands | What it publishes |
|---|---|---|---|
| Yesa | You press sell at the naira figure on screen | Your bank, on withdrawal | Zero sell fees; median bank payout 4.7 seconds, measured across 1,700 payouts |
| Breet | Converts automatically when your deposit lands | Breet wallet, or your bank if you switch on Automatic Settlement | Publishes a selling fee of 1.5% falling to 0.5% by size |
| Monica | Converts automatically when your deposit lands | Straight to your bank | Advertises zero fees and under 60 seconds (its own claims) |
| Busha or Luno | You sell on a full exchange, instantly or with an order | Exchange balance, then you withdraw | Luno publishes 2% for instant sells and 0.10% on its order book |
The full write-up of each app, with what to watch, 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. 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.
It depends on what you value. For the exact naira figure on screen before you send, zero sell fees and a bank payout measured in seconds, we built Yesa for that. For conversion that happens by itself when your deposit lands, Breet or Monica. For order-book trading, a full exchange such as Busha or Luno.
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. 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.