How to Cash Out Stablecoins to a Bank Account in Nigeria and Ghana

Turn stablecoins into Naira or Cedi in your bank account

If you get paid in USDC or USDT and need local currency in Nigeria or Ghana, Minisend converts your stablecoins and settles directly to a bank account. Send to your Minisend address from any supported chain, choose to cash out, and the funds arrive as a bank transfer — no exchange account, no bridging, no P2P middleman.

What you need

• A Minisend account — open the app at app.minisend.xyz, use it inside the Base app, or open the Farcaster miniapp.
• USDC or USDT on any supported EVM chain.
• Your bank account details for Nigeria (NGN) or Ghana (GHS).

Step by step

1. Open Minisend and copy your deposit address. One 0x address works across every supported chain. Tap Deposit or scan the QR code from another wallet.
2. Send USDC or USDT from any chain. Minisend routes the deposit automatically and credits spendable USDC to your balance in about a minute. A confirmation email follows.
3. Choose to cash out to your bank. Select your country — Nigeria or Ghana — and enter your bank account details and the amount.
4. Review the live rate and confirm. The real-time exchange rate in Naira or Cedi is shown before you confirm, so there are no surprises.
5. Receive the bank transfer. Bank settlements typically complete in 5 to 30 minutes.

Which chains and tokens are supported?

The same 0x address accepts USDC across 19 EVM chains and USDT across 14 EVM chains — including Arbitrum, Avalanche, Base, BNB Chain, Ethereum, Optimism, Polygon, and more. Send whichever token you hold, from whichever chain it's on; Minisend credits your balance as spendable USDC either way.

Timing and fees

• Deposit credit: about one minute.
• Bank transfer: 5 to 30 minutes after you confirm.
• Fees: competitive, with the live exchange rate surfaced before you confirm. Conversions originating on Base are gasless.

In Kenya instead?

Kenya settles to M-Pesa, Airtel Money, and bank accounts in KES — M-Pesa payouts arrive in about 10 seconds. See how to cash out USDC to M-Pesa in Kenya.

Settling for a business?

Paying contractors or settling cross-border invoices into Nigerian or Ghanaian bank accounts? Minisend for business brings one-address deposits and fast local settlement to teams.

Get started

Open Minisend and send your first deposit. New to stablecoins? Start with USDC vs USDT: what you need to know.