Juggle naira, digital dollars, and Bitcoinright on WhatsApp.

Fund with naira, hold digital dollars, buy Bitcoin or Solana, and cash out to any Nigerian bank.

Get early access

Works with the banks you already use.

Live

Rates

Deposit, cash-out, and indicative market snapshots.

Deposit and cash-out snapshots.

Real money movement,inside WhatsApp.

Deposits, balances, swaps, and cash-out in the chat you already use.

Fund with naira. Receive USDT or USDC.

Pay from your bank, choose the asset, and receive it in chat.

Works with

+40 more banks

07:56

Kola

Business account

Deposit

14:11

Fund your Kola balance 💸

Choose Bank transfer or Crypto deposit.

14:11

Bank transfer

14:11

Which asset do you want to receive? 💵

14:12

USDT

14:12

How much do you want to deposit in NGN? 🏦

14:12

₦1,250,000

14:12

Transfer details 🏦

Providus Bank
6501584069

Send: ₦1,250,000.00
Est: 781.25 USDT

14:13

Sent transfer

14:16

✅ Deposit confirmed

781.25 USDT added to your balance.

14:17

Deposit USDT or USDC from your wallet.

Pick a network, send from your wallet, and track the deposit in chat.

Supported networks

BNB Smart Chain

Polygon

Solana

Starknet

Base

Algorand

07:56

Kola

Business account

Deposit

16:03

Fund your Kola balance 💸

Choose Bank transfer or Crypto deposit.

16:03

Crypto deposit

16:03

Which stablecoin do you want to deposit? 💵

16:04

USDC

16:04

Choose the network for your USDC deposit 🔗

16:04

Base

16:04

📥 USDC deposit

Base
0x8A76F4E2...3e91A57C

16:04

Sent 1,800 USDC

16:09

✅ Deposit confirmed

1,800.00 USDC credited on Base.

16:09

Check balances and rates.

See what you hold, the naira value, and your latest activity.

07:56

Kola

Business account

Balance

09:18

💼 Your Kola balance

USDT: 620.50
USDC: 410.00
BTC: 0.00201
NGN estimate: ₦1,900,000.00

In progress: 45.00 USDC
Under review: 125.00 USDT

09:18

Rates

09:19

Indicative rates

1 USDT ≈ ₦1,600.00
1 USDC ≈ ₦1,598.00
1 BTC ≈ ₦160,250,000.00
1 SOL ≈ ₦380,000.00

09:19

Recent activity

09:19

Recent activity

+ 0.00201 BTC swap confirmed
+ 1,800.00 USDC deposit confirmed
- ₦950,000.00 withdrawal completed

09:20

Withdraw to your Nigerian bank account.

Choose the wallet, review the quote, and cash out when you need naira.

Works with

+40 more banks

07:56

Kola

Business account

Withdraw

18:41

Withdraw to GTBank • 0176543210 💸

Choose wallet:
USDT or USDC

18:41

USDT

18:41

How much would you like to withdraw?

Send USDT or NGN.

18:42

₦950000

18:42

Review your withdrawal 💸

You receive: ₦950,000.00
We debit: 597.81 USDT
Fees: ₦6,500.00

Reply YES to confirm.

18:42

YES

18:43

✅ Withdrawal submitted

₦950,000.00 payout is processing.
Reference: KLA-82Q-19B

18:43

Convert digital dollars to real Bitcoin or Solana.

Pick the asset, check the rate, confirm in chat. Real crypto lands in your Kola wallet. Withdraw to any external address.

07:56

Kola

Business account

Swap

20:06

Swap to which asset? 💱

Choose BTC or SOL

20:06

BTC

20:06

How much USDT do you want to swap?

20:07

200 USDT

20:07

Review your swap 💱

You receive: ≈0.00201 BTC
We debit: 200.00 USDT
Rate: 1 BTC ≈ 99,412 USDT

Reply YES to confirm.

20:07

YES

20:08

✅ Swap confirmed

0.00201 BTC added to your Kola balance.

20:08

07:56

Kola

Business account

Deposit

14:11

Fund your Kola balance 💸

Choose Bank transfer or Crypto deposit.

14:11

Bank transfer

14:11

Which asset do you want to receive? 💵

14:12

USDT

14:12

How much do you want to deposit in NGN? 🏦

14:12

₦1,250,000

14:12

Transfer details 🏦

Providus Bank
6501584069

Send: ₦1,250,000.00
Est: 781.25 USDT

14:13

Sent transfer

14:16

✅ Deposit confirmed

781.25 USDT added to your balance.

14:17

Built forreal money movement.

Remote income, savings, Bitcoin, and cash-out now. Bills come next.

Live

Get paid globally

Receive USDT or USDC from clients and settle to naira when you want.

Dollar savings

Live

Hold digital dollars and cash out to naira when you're ready.

Business float

Live

Keep working capital in digital dollars and convert when the rate suits you.

Family support

Live

Send to a Nigerian bank account when it matters.

Buy crypto

Live

Swap your digital dollars for Bitcoin or Solana in a few messages. Withdraw to any wallet when you're ready.

Bills and top-ups

Soon

Pay airtime, data, and bills in the same chat.

FAQ

Common questions

How Kola works, what beta means, and when a transfer may be reviewed.

Kola is a WhatsApp app for holding crypto and moving money. Fund with naira, hold digital dollars, buy Bitcoin and Solana, and cash out to your bank. One chat, no app download.

No download

Alreadyon your phone.

Buy Bitcoin, hold digital dollars, cash out to naira. Kola runs inside WhatsApp. No download, no extra app.

Get early access

Get early access.

Tell us how you'd use Kola. Approved users get an invite code by email.