Pay with digital assets. Receive local currency.
Koineckta is building the payment layer between digital assets and everyday commerce — enabling customers to pay with supported digital value while merchants receive familiar local currency without the complexity of manual P2P trading or cash-out workflows.
Pre-launch access • Pilot participation • No live transactional services yet
Digital value. Everyday payments.
Payment layer preview
Digital value. Everyday payments.
Merchant payment request
Everyday Store
Customer total
₦50,000
Customer funds with
Supported digital asset
Merchant receives
Local currency settlement
Customer pays
Supported digital value
Koineckta connects
Payment orchestration
Merchant receives
Familiar local currency
Launch path
Merchant pilot → Payment acceptance → African commerce
How Koineckta is different
More than a crypto off-ramp
Traditional crypto off-ramp journeys are built around converting digital assets into cash before the user can spend them. Koineckta is being designed around the payment itself.
Traditional cash-out journey
Koineckta payment journey
Koineckta is being built around payments, not trading.
How Koineckta Works
One payment journey. Three clear steps.
Customers use supported digital value. Merchants continue running a local-currency business.
Customer pays
The customer chooses Koineckta and pays using a supported digital asset.
Koineckta handles the bridge
Koineckta manages the required payment orchestration and conversion process behind the scenes.
Merchant receives local currency
The merchant receives settlement through familiar local payment rails based on the supported pilot configuration.
The customer uses digital value. The merchant runs a normal local-currency business.
For Merchants
Accept digital assets. Get paid in Naira.
Give customers another way to pay without changing how your business prefers to settle. Koineckta is designed to handle the digital-asset complexity while merchants continue operating in familiar local currency.
Reach new customers
Serve digital-asset holders locally and eventually across borders.
Stay local
Receive settlement in familiar local currency rather than managing digital-asset balances for everyday business operations.
Sell anywhere
Support modern payment experiences through payment links, online checkout and planned QR-based acceptance.
Reconcile clearly
Track payments, settlement activity and transaction records through merchant-focused tools.
No crypto treasury required
Accept digital-asset payments without running your business in crypto.
Your customer can pay using supported digital assets while your business receives local currency. Koineckta is designed to reduce the need for manual conversion workflows, trading processes, wallet management and digital-asset treasury complexity on the merchant side.
Product vision • Planned experience
Spend digital assets without manually cashing out first
Koineckta DirectSpend is the payment experience being designed to reduce the traditional sequence of selling, withdrawing and then paying. The goal is a simpler journey where digital value can fund an everyday payment directly.
Koineckta DirectSpend
Traditional
Koineckta DirectSpend
Planned pilot experience. Availability will depend on supported assets, wallets and settlement partners.
Merchant acceptance roadmap
Built around modern merchant acceptance
Koineckta’s product roadmap is centred on making digital-asset-funded payments feel as familiar as modern fintech checkout.
Payment Links
Create and share payment requests through a simple link.
Online Checkout
Enable customers to select Koineckta during an online purchase journey.
QR Payments
Support simple in-person payment experiences through planned QR acceptance.
Merchant Dashboard
Manage payments, transactions and settlement visibility from one interface.
Merchant APIs
Enable businesses and platforms to integrate Koineckta into their own customer journeys.
Settlement & Reconciliation
Provide merchant-focused transaction and settlement records for operational visibility.
Pilot functionality will be introduced progressively based on technical, partner and regulatory readiness.
For Individuals
Use your digital assets — not just hold or trade them
Koineckta is being designed for people who earn, hold or receive digital value and want a simpler path into everyday payments.
Pay more directly
Reduce the need for separate cash-out steps before completing an everyday payment.
Use familiar value
See local-currency payment amounts while funding the transaction with supported digital assets.
Keep flexibility
Koineckta is being designed around multiple supported payment journeys rather than locking users into a trading workflow.
Built for everyday utility
The long-term goal is to make digital value useful across merchants, services and everyday transactions.
Illustrative example
What a Koineckta payment could look like
A simple example of how digital value and local-currency commerce can meet in one payment journey.
Customer selects an item priced at ₦50,000
Merchant presents a Koineckta payment request
Customer selects a supported digital asset
Customer completes the payment
Merchant receives ₦50,000
Digital asset on one side. Local currency on the other. Koineckta in the middle.
Illustrative pilot journey only. It is not a live or guaranteed transaction.
Why Koineckta
Payment infrastructure designed for real commerce
Not another crypto exchange. A new way to pay — designed around merchant acceptance, local settlement and everyday utility.
Built for payments
Koineckta is being designed around commerce and payment acceptance rather than speculative trading.
Merchant-friendly settlement
Customers can fund payments with supported digital assets while businesses operate in familiar local currency.
Simple by design
Complex conversion and payment orchestration should happen behind the scenes, not become the merchant’s problem.
Africa-first
Starting from Nigeria and being designed around African payment realities and local settlement rails.
Built to connect
Koineckta brings merchants, consumers, financial partners, liquidity providers and payment infrastructure into one payment journey.
Nigeria First
Starting with Naira. Built for African commerce.
Koineckta’s initial focus is Nigeria. The longer-term vision is to connect digital value with local payment and settlement rails across African markets.
One payment layer. Multiple local economies.
Partners
Building the payment layer together
Koineckta’s model depends on strong financial, technology and ecosystem partnerships. We welcome conversations with organisations interested in connecting digital assets to local commerce.
Start a partnership conversation
Tell us how your infrastructure, network or platform could support the Koineckta payment layer.
Pilot and early access
Help shape the Koineckta payment layer
Merchant applications are prioritised for pilot planning. Individuals can join early access for product and rollout updates.
Tell us about your business, current payment setup, and readiness to test Koineckta.
Pilot priority
Merchant acceptance comes first.
Qualification details help Koineckta understand payment demand, integration needs and readiness for an initial Nigeria pilot.
For individuals
Join the everyday-payments journey.
Tell us how you earn, hold or receive digital value and where you want it to become more useful.
Responsible rollout
Trust is part of the product architecture
Koineckta is preparing for pilot launch with a conservative approach to security, compliance, operational readiness and communication.
Compliance-aware by design
The platform is being developed with identity, transaction monitoring, security and responsible financial-service design in mind.
Security-conscious architecture
Security and transaction integrity are treated as core product requirements rather than optional features.
Responsible rollout
Koineckta will expand functionality progressively as technical, partner and regulatory readiness permits.
Transparent pilot stage
Users should always understand which services are live, in pilot or still on the roadmap.
FAQ
Clear answers before the pilot
What merchants, customers and partners should know about Koineckta’s current stage and intended payment experience.