Two ways to turn crypto or gift cards into naira. Here is what each one states, the differences that matter, and who each suits.
Obiex's column is what its own site says, checked 29 September 2026. Yesa's column is what Yesa publishes.
| Obiex (per its site) | Yesa | |
|---|---|---|
| What it is | Buy, sell and swap crypto, with interest on crypto, a dollar card, bills, an OTC desk and an API, in Nigeria and Ghana, 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 | Yes: swap to naira and withdraw to your bank | Yes, at the rate on screen before you send |
| Buy crypto with naira | Yes, advertised with zero fees | Yes, ten coins, from a Yesa balance or by bank transfer |
| Swap between coins | Yes, advertised with no fees | Yes |
| Gift cards | Not published on its site | Yes, sold for naira |
| Bills and airtime | Bill payments, per its site | Airtime, data, TV and electricity |
| Fee on a sale | Zero fees to buy and sell, advertised on its site; a network fee on crypto withdrawals, per its fees page | Zero sell fees on crypto and gift cards |
| Rate shown before you commit | Not published on its site | On screen before you send or confirm |
| Payout to a Nigerian bank | Bank payout time not published; swaps described as not waiting for blockchain confirmation | Median 4.7 seconds across 1,700 measured payouts; historical, not a guarantee |
| Markets | Nigeria and Ghana, per its site | Nigeria |
| Apps | Android and iOS | Android and iPhone |
| Store listing | Google Play 100K+ downloads, 4.7 from 2.06K reviews; its site says over 100,000 users | Google Play 4.7 |
What Obiex offers, as it describes it, beside how Yesa handles the same thing.
| Obiex (per its site) | Yesa | |
|---|---|---|
| 1 | An exchange with interest on crypto, a dollar card, an OTC desk and an API, per its site. | A sell screen, not an exchange: the naira figure is on screen first and the sale settles at it. |
| 2 | No gift cards on its site. | 17 gift card brands sold for naira, with zero sell fees. |
| 3 | Bank payout time not published. | A measured payout median of 4.7 seconds across 1,700 payouts. |
Obiex: you want an exchange with interest on crypto and an OTC desk, or you cash out in Ghana.
Yesa: you want the naira figure on screen first, a measured payout in seconds, and gift cards in the same app.
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. Obiex: Zero fees to buy and sell, advertised on its site; a network fee on crypto withdrawals, per its fees page.
Yesa publishes a measured median of 4.7 seconds across 1,700 bank payouts, historical rather than guaranteed. Obiex: Bank payout time not published; swaps described as not waiting for blockchain confirmation.
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.