Earn Globally.Spend Locally.Settle Instantly.

One account for USD, EUR, GBP and Naira. Convert any digital asset to NGN and spend it, send it, or save it right inside Pila.

See How It Works

Early access is limited.

On the waitlist: 2,500+
NGN conversion: < 2 min
FX markup on card: 0%
Currencies supported: 4

The Pila Guarantee

Send money to any Nigerian bank in under 2 minutes.

Your naira is live and your bank transfer is complete in under 2 minutes every time, powered by NIBSS instant rails.

Available for NGN conversions and bank transfers within Nigeria. Refund issued within 24 hours. T&Cs apply.

How It Works

Four steps from invoice to naira.

Built for Nigerian freelancers, entrepreneurs, and remote workers getting paid in foreign currency.

Receive Payment

Share your USD, EUR, or GBP account details with your client. Accepts ACH, SEPA, SWIFT, and USDC.

Hold or Convert

Keep funds in foreign currency to protect against naira volatility — or convert at live interbank rates, no markup.

Convert & Send

When you're ready, your naira is available immediately — spend from your Pila account or push it to any Nigerian bank.

Spend Globally

Use your Pila Master Card at any merchant or ATM, from Lagos to London — your balance, your currency, no friction.

Inbound

ACH · SEPA · USDC · SWIFT

PSSL

Multi-currency balance on Stellar rails · MPC custody

Outbound

Card spend · NGN transfer via NIBSS · Pila NGN balance

The Four Pillars

Every currency you earn.
One unified balance.

Hold USD, EUR, GBP, and NGN simultaneously — no juggling, no conversions you didn’t ask for.

USD Account

US Dollar Balance

Receive payments via ACH and SWIFT from any US-based client or platform — Upwork, Stripe, direct wire. Funds held with Evolve Bank & Trust, Member FDIC.

FDIC Insured

EUR Account

Euro Balance

SEPA-enabled for European clients and platforms. Instant SEPA transfers within the EU, settled directly to your Pila EUR balance.

SEPA Ready

GBP Account

Sterling Balance

Faster Payments-enabled UK account for British clients. EMI services powered by Modulr Finance, regulated by the FCA.

FCA Regulated

NGN Account

Naira Balance

Your naira lives inside Pila — spend directly from your account, send to any Nigerian bank, or grow it over time. Lock your exchange rate before you convert and eliminate last-minute surprises.

NIBSS Powered

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✦Pila Intelligence

Your money,
finally as smart as you are.

Six AI-native features built to protect your funds, cut KYC wait times, lock your rates, and do the financial thinking you don’t have time for.

Pila Guard

Real-time fraud scoring on every transaction embedded at the settlement layer.

Pila Verify

AI-powered KYC in under 3 minutes via liveness detection and document scoring.

Pila Assist

A financial co-pilot that knows your balance, your bills, and today's FX.

Smart FX Alerts

Set a target rate, get notified when it hits with alerts when the spread narrows.

Pila Invoice

Describe the job, get a locked-rate invoice in GBP, USD, or EUR, when your client pays, the rate is already protected.

Pila Buffer

After 30 days, Pila knows your expenses and tells you exactly how much Naira to keep before converting.

Transparent Pricing

No hidden fees. No surprises.

Every charge listed here. Nothing buried in the terms.

Transaction Type	Fee	Notes
USD / EUR / GBP Receive	Free	ACH, SEPA, SWIFT
USDC Receive	Free	Onchain
NGN Conversion / Transfer	0.1% (capped at $1)	Refunded if > 2 min
Currency Conversion	0.5%	Live interbank rate + 0.5%
Pila Master Card — FX Spend	0%	Charged at interbank rate
Card Maintenance	Free	Virtual card, always
Account Maintenance	Free	No monthly charges
ATM Withdrawal	0.1% flat fee	After 2 free/month

The Pila Card

Your Global Master Card.

0% FX markup. Zero maintenance fees. Works at every ATM and point-of-sale from Lagos to London.

True Interbank Rates, Always
Spend in any currency at the real mid-market rate — no hidden spread baked into every swipe.
Zero Maintenance Fee
Your virtual card is free, forever. No annual fee, no inactivity charge.
Global ATM Access
ATM withdrawals: 0.1% flat fee — no per-currency surcharges.
Instant Freeze & Unfreeze
Lock your card in one tap if you suspect fraud. Unlock just as fast when you’re ready.

Card Holder

John Doe

Expiry

04/28

MASTERCARD

Institutional-Grade Custody

Built for money that matters.

The infrastructure underneath Pila is the same grade used by institutional asset managers and regulated exchanges.

MPC Wallet Architecture

Multi-Party Computation splits your private key across independent nodes. No single point of compromise — not even Pila can move your funds unilaterally.

Segregated User Deposits

Your deposits are never commingled with Pila's operating capital. Held in ring-fenced accounts with named banking partners — verifiable, always separate.

Custodial Insurance

Digital asset holdings are covered under our custodial insurance arrangement via Lloyd's of London syndicates. USD balances are FDIC-insured up to $250,000.

AES-256 Encryption

All data encrypted at rest with AES-256. All data in transit secured with TLS 1.3. Cryptographic standards independently audited annually.

Stellar Rails

Pila Settlement layer (PSSL) runs on Stellar — a proven, ISO 20022-compliant blockchain with 5-second finality and sub-cent transaction costs, used by institutions globally.

Smart Contract Controls

Soroban smart contracts enforce delivery conditions before a single dollar moves — lock your exchange rate, automate payroll, set transfer rules programmatically.

KYC Tiers & Transaction Limits

Know exactly what you can do at every tier.

Tier 1 — Basic

Identity Verified

$1,000/ month

BVN verification
National ID verification
Phone number verification

Tier 2 — Standard

Address Verified

$10,000/ month

All Tier 1 requirements
Proof of address (utility bill / bank statement)
Selfie liveness check

Tier 3 — Pro

Enhanced Due Diligence

$10,000,000/ month

All Tier 2 requirements
Source of funds declaration
Business registration (if applicable)

Early Users

Trusted by Nigeria’s global workforce.

Currently in private beta with verified early adopters from across Nigeria.

“I've used Payoneer, Grey, and Geegpay. Pila is the first one where I didn't have to refresh my phone three times to see if the withdrawal actually landed.”

Adaeze O.

Product Designer · Lagos

“The rate lock feature changed everything for my agency. I invoice in USD, lock the rate on the same day, and convert when I'm ready. No more exchange rate anxiety.”

Emeka K.

Founder, Dev Agency · Abuja

“Two minutes is real. I tested it four times in a row on the first day. Every single transfer was in my GTBank account before I could put my phone down.”

Fatima S.

UX Writer · Port Harcourt

Join Africa’s global financial infrastructure.

Early access is invite-only. Join the waitlist and we’ll notify you when your spot is ready.

Early access closes when we hit capacity.