Two ways to turn crypto or gift cards into naira. Here is what each one states, the differences that matter, and who each suits.
Carding's column is what its own site says, checked 29 September 2026. Yesa's column is what Yesa publishes.
| Carding (per its site) | Yesa | |
|---|---|---|
| What it is | An app that buys gift cards for naira, with a quote tool on its website, per its site | Sell or buy crypto and sell gift cards for naira, with bills and airtime from the same balance |
| Sell crypto for naira | Not offered: we could not find crypto on its site | Yes, at the rate on screen before you send |
| Buy crypto with naira | Not offered: we could not find crypto on its site | Yes, ten coins, from a Yesa balance or by bank transfer |
| Swap between coins | Not published on its site | Yes |
| Gift cards | Yes: brands including Apple, Steam and Xbox, per its site | Yes, sold for naira |
| Bills and airtime | Not published on its site | Airtime, data, TV and electricity |
| Fee on a sale | Not published on its site | Zero sell fees on crypto and gift cards |
| Rate shown before you commit | A quote tool on its website | On screen before you send or confirm |
| Payout to a Nigerian bank | Sell and withdraw in minutes, stated on its site; not published measurements | Median 4.7 seconds across 1,700 measured payouts; historical, not a guarantee |
| Markets | Pays in naira, per its site | Nigeria |
| Apps | Android, iOS and web | Android and iPhone |
| Store listing | Google Play 1M+ downloads, 4.6 from 38.3K reviews; its site says 1,000,000+ users | Google Play 4.7 |
What Carding offers, as it describes it, beside how Yesa handles the same thing.
| Carding (per its site) | Yesa | |
|---|---|---|
| 1 | Gift cards only; no crypto or bills found. | Crypto, gift cards and bills from one naira balance. |
| 2 | Payout in minutes, stated on its site. | A measured payout median of 4.7 seconds across 1,700 payouts. |
| 3 | A quote tool on its website. | Daily rate pages for eight coins and iTunes gift cards, with dated history. |
Carding: you trade gaming cards like Xbox and want a quick quote on the web before you open the app.
Yesa: you want crypto and gift cards in one app, zero sell fees and a measured payout.
Android or iPhone. Your naira balance, deposit addresses and gift-card screen are ready as soon as you are in.
Pick the coin or the card. The naira figure is on screen before you send anything.
Sell at the figure shown and withdraw to any Nigerian bank. Or keep the naira and buy crypto, airtime or bills from the same balance.
It depends on what you value. The differences are laid out above, each with the Yesa side beside it. Yesa is built around the rate on screen first, zero sell fees, and buying and selling in one app. Pick by the one thing that matters most to you.
Yesa charges zero sell fees on crypto and gift cards. Carding: we could not find a published fee schedule on its website; the app may show one at the point of sale.
Yesa publishes a measured median of 4.7 seconds across 1,700 bank payouts, historical rather than guaranteed. Carding: Sell and withdraw in minutes, stated on its site; not published measurements.
Yes. Nothing stops you holding both apps and choosing per transaction. Many people check the naira figure in two apps before a large sale.
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. Yesa publishes this page and benefits if you choose Yesa. Facts about other platforms come from their own websites and store listings on the date shown; we state what each one publishes and say what we could not find. If you spot an error, email support@yesaapp.ng and we will correct it.