Get Paid in USDC.
Convert to Naira
On Your Terms.
PayFlow lets Nigerian freelancers receive international USDC payments and automatically convert to Naira when the exchange rate hits your target. No Payoneer. No PayPal. No high fees.
PayFlow Dashboard
Current Rate
↑ +2.3% today
Conversion Mode
Target Rate
Rate Progress
82%The Problem
The Pain Every Nigerian Freelancer Knows
You did the work. Getting paid shouldn't be this hard.
PayPal is Blocked in Nigeria
Over 200 million Nigerians cannot access PayPal. International clients send payments that simply never arrive.
Payoneer Takes Too Much
2% conversion fee plus an 8% exchange rate spread means you lose up to $120 on every $1,000 earned. That is your money.
You Miss the Best Rates
The NGN rate changes every hour. Without automation you convert at whatever rate exists when you remember to check — not when it is best for you.
The Solution
PayFlow Automates Everything
Six smart workflows running 24/7 so you never miss a payment or a good rate.
Payment Detection
Instantly detects USDC deposits to your vault on Polygon Amoy — no manual checking required.
Live Rate Monitor
Checks USD/NGN exchange rate every 5 minutes via real-time API so you always know the market.
Smart Decision Gate
Asks you on Telegram when your target rate is hit. You reply YES or NO — simple as that.
Automatic Swap
Executes USDC to NGN conversion via ERC-4337 smart wallet — trustless and non-custodial.
Bank Transfer
Sends NGN directly to your GTBank, Access Bank or any Nigerian bank account within hours.
Dual Notification
Confirms payment to both you and your client via Telegram instantly — full transparency.
Process
From Invoice to Naira in 4 Steps
Share Your Vault Address
Send your unique PayFlow payment address to your international client. They send USDC on Polygon — fast and cheap.
Set Your Conversion Preference
Choose to convert immediately or set a target NGN rate. PayFlow monitors the market 24/7 so you don't have to.
Get Notified on Telegram
When your rate is hit, PayFlow sends you a Telegram message. Reply YES to convert. Reply NO to wait.
Receive NGN in Your Bank
PayFlow converts your USDC and sends NGN directly to your Nigerian bank account within 2 hours.
Comparison
Not Another Crypto App
Built specifically for Nigerian freelancers earning in foreign currency.
Who We Serve
Built for Ade and 5 Million Like Him
Ade Johnson
UX Designer — Lagos, Nigeria
I was losing ₦180,000 every month to bad exchange rates and Payoneer fees. PayFlow gave me back control of my own money.
PayFlow is built for
Pricing
Simple, Transparent Pricing
No hidden fees. No monthly charges. Pay only when you convert.
Starter
0.3% per conversion
- Up to $5,000/month
- Manual conversion only
- Telegram notifications
- Email support
Pro
0.2% per conversion
- Unlimited volume
- Auto rate targeting
- Priority Telegram alerts
- Direct bank transfer
- Transaction history
- Priority support
Enterprise
Volume discounts available
- Everything in Pro
- API access
- Custom integration support
- Dedicated account manager
- SLA guarantee
Stop Losing Money on Every Payment
Join 5,000+ Nigerian freelancers who receive international payments on their own terms.
No credit card. No KYC delays. Setup in 5 minutes.