Two ways to turn crypto or gift cards into naira. Here is what each one states, the differences that matter, and who each suits.
Cardtonic's column is what its own site says, checked 24 September 2026. Yesa's column is what Yesa publishes.
| Cardtonic (per its site) | Yesa | |
|---|---|---|
| What it is | A gift-card and payments app: sell gift cards for cash, buy 14,000+ gift cards, pay bills in 100+ countries, virtual dollar cards, eSIMs and gadgets, 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; it accepts USDT and USDC only to fund its virtual dollar card, per its site | Yes, at the rate on screen before you send |
| Buy crypto with naira | Not offered on its site | Yes, ten coins, from a Yesa balance or by bank transfer |
| Swap between coins | Not offered on its site | Yes |
| Gift cards | Yes: sell gift cards for cash, and buy over 14,000 local and international gift cards, per its site | Yes, sold for naira |
| Bills and airtime | Airtime, data and utilities in 100+ countries, paid in naira or cedis, per 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 rate calculator on its site shows what you get for a card | On screen before you send or confirm |
| Payout to a Nigerian bank | Not published on its site | Median 4.7 seconds across 1,700 measured payouts; historical, not a guarantee |
| Markets | Nigeria and Ghana, per its site | Nigeria |
| Apps | Android, iOS and web | Android and iPhone |
| Store listing | Google Play listing; its site says 1.5M+ users | Google Play 4.7 from 64 reviews |
What Cardtonic offers, as it describes it, beside how Yesa handles the same thing.
| Cardtonic (per its site) | Yesa | |
|---|---|---|
| 1 | Gift cards first: sell for cash and buy from a 14,000+ card range; crypto appears only as a way to fund its dollar card. | Gift cards and crypto in one app, both paid into the same naira balance with the rate on screen first. |
| 2 | Bills in 100+ countries, eSIMs, virtual dollar cards and gadgets, per its site. | Nigerian bills and airtime from the same balance, and nothing that is not about turning value into naira. |
| 3 | Payout time and fee schedule for gift-card sales not published on its site. | Zero sell fees on gift cards, and a published payout median of 4.7 seconds across 1,700 payouts. |
Cardtonic: gift cards are your whole business, you buy cards as well as sell them, or you need eSIMs and international bills.
Yesa: you sell gift cards and crypto, and want both paid into one naira balance with the rate on screen first and zero sell fees.
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. Cardtonic: 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. Cardtonic: no payout time is published on its website.
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 24 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.