Two ways to turn crypto or gift cards into naira. Here is what each one states, the differences that matter, and who each suits.
Pandar's column is what its own site says, checked 12 October 2026. Yesa's column is what Yesa publishes.
| Pandar (per its site) | Yesa | |
|---|---|---|
| What it is | Sells crypto and gift cards for naira, with bills and money transfers, per its site and store listing | Sell or buy crypto and sell gift cards for naira, with bills and airtime from the same balance |
| Sell crypto for naira | Yes: its store listing names BTC, USDT, USDC, Tron, ETH and BNB; its help centre names BTC, USDT, ETH, LTC and TRX | Yes, at the rate on screen before you send |
| Buy crypto with naira | Listed in its site menu; we could not find how buying works | Yes, ten coins, from a Yesa balance or by bank transfer |
| Swap between coins | Not published on its site | Yes |
| Gift cards | Yes: 20+ gift cards sold for naira, with separate rates for e-codes and physical cards, per its help centre | Yes, sold for naira |
| Bills and airtime | Airtime, data, electricity and TV, per its site | Airtime, data, TV and electricity |
| Fee on a sale | No transaction fees on crypto, per its help centre; a naira withdrawal fee applies, per its help centre | Zero sell fees on crypto and gift cards |
| Rate shown before you commit | A live gift card rate table on its website | On screen before you send or confirm |
| Payout to a Nigerian bank | Paid in minutes, stated on its store listing; not published measurements | Median 4.7 seconds across 1,700 measured payouts; historical, not a guarantee |
| Markets | Nigeria, per its site | Nigeria |
| Apps | Android and iOS | Android and iPhone |
| Store listing | Google Play 100K+ downloads, 4.5 from 4.83K reviews | Google Play 4.7 |
What Pandar offers, as it describes it, beside how Yesa handles the same thing.
| Pandar (per its site) | Yesa | |
|---|---|---|
| 1 | Sending crypto out is switched off, per its help centre (updated June 2025). | Buy crypto and send it out, as well as sell it. |
| 2 | Payout in minutes, stated on its store listing. | A measured payout median of 4.7 seconds across 1,700 payouts. |
| 3 | Lists five or six coins depending on the page, and publishes trade terms for each gift card. | Sells eight coins including Litecoin, USDC on six networks, and 17 gift card brands. |
Pandar: you trade gift cards often and like reading each card's trade terms and an hourly rate table before you start.
Yesa: you want the naira figure on screen first, zero sell fees, or to send crypto out as well as sell it.
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 fees to sell or buy crypto, and to sell gift cards. Pandar: No transaction fees on crypto, per its help centre; a naira withdrawal fee applies, per its help centre.
Yesa publishes a measured median of 4.7 seconds across 1,700 bank payouts, historical rather than guaranteed. Pandar: Paid in minutes, stated on its store listing; 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 12 October 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.