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Fast. Secure. Kool.

Your money,
all in one Kool app.

Fund your wallet in seconds, buy airtime & data, pay every bill, sell crypto for naira, send gift cards, and spend anywhere in the world with a USD virtual card — all from one beautifully simple app.

Get the app See what you can do
★★★★★
Loved by thousands of Nigerians paying smarter every day.
✓ Airtime sent
$ Card funded
₿ Crypto → Naira

Trusted & secure

NDPA 2023 compliant Bank-grade encryption Licensed partner banks Real-time settlement 24/7 fraud monitoring
15+
Bills & services in one place
<30s
Average time to pay or top up
24/7
Automated delivery & support
100%
Bank-grade encryption on every transaction
Everything money

One app. Every way to pay.

Stop juggling five different apps. KoolPay brings your wallet, bills, crypto and dollar spending together — fast, automated, and refreshingly simple.

A wallet that funds itself

Get a dedicated virtual account the moment you sign up. Bank transfers reflect instantly, and every kobo is tracked by a real-time double-entry ledger — so your balance is always exactly right.

Instant fundingDedicated accountLive balance

Airtime & data, instantly

Top up MTN, Airtel, Glo and 9mobile in one tap — at some of the best data prices in Nigeria. Set auto-recharge once and never run out again.

All networksCheap dataAuto-recharge

Pay every bill

Electricity, DStv, GOtv, StarTimes, betting wallets, JAMB, WAEC, NECO and internet — settled in seconds with instant tokens and PINs.

Sell crypto for naira

Cash out USDT and other assets at great rates. Funds land in your wallet or bank in minutes — no middlemen, no stress.

Spend in dollars

Create a USD virtual card and pay Netflix, ads, AliExpress, SaaS and any global merchant. Freeze, unfreeze and top up anytime.

Gift cards for any occasion

Buy and send digital gift cards across hundreds of global brands — in naira or dollars — delivered instantly to any inbox.

100+ brandsNGN & USDInstant delivery

Turn airtime into cash

Got excess airtime? Convert it straight to your wallet or bank account with our automated Airtime-to-Cash — fair rates, fully automated, no waiting on agents.

AutomatedTo wallet or bankGreat rates
Get started

Up and running in three steps

No paperwork queues. No branch visits. Download, verify, and start paying smarter today.

Create your account

Sign up with your phone number in under a minute and secure it with a transaction PIN and biometrics.

Verify & fund

Confirm your identity with your NIN or BVN, then fund your wallet instantly from any Nigerian bank.

Pay anything, anywhere

Buy airtime, settle bills, sell crypto, or spin up a dollar card — all in a few taps.

Security first

Built like a bank.
Feels like magic.

Your money and data are protected by layered controls at every step.

  • End-to-end encryption

    Your PIN and sensitive data are encrypted and never stored in plain text — anywhere.

  • PIN, biometrics & trusted devices

    Every payment is gated by your transaction PIN and Face/fingerprint unlock.

  • Real-time reconciliation

    An automated double-entry ledger checks every balance around the clock to keep funds safe.

Peace of mind

Your trust is the
whole point.

KoolPay is operated by Oro Technologies Ltd and works exclusively with licensed banking, card and payment partners. We are NDPA-compliant and apply strict KYC and anti-money-laundering controls — so you can move money with total confidence.

  • Tiered KYC verification with NIN, BVN & liveness checks
  • Funds held with licensed partner banks, never co-mingled
  • 24/7 fraud monitoring & anomaly detection
  • Data protected under the Nigeria Data Protection Act (NDPA) 2023
Good to know

Frequently asked questions

What is KoolPay?
KoolPay is an all-in-one money app by Oro Technologies Ltd. With one account you can fund a wallet, buy airtime and data, pay bills, sell crypto for naira, buy gift cards, and spend abroad with a USD virtual card — all in one place.
Is KoolPay safe to use?
Yes. We use bank-grade encryption, transaction PINs, biometric authentication and 24/7 fraud monitoring. Your funds are held with licensed partner banks, and your data is processed in line with the Nigeria Data Protection Act (NDPA) 2023.
How do I fund my wallet?
When you sign up, KoolPay gives you a dedicated virtual account number. Simply transfer from any Nigerian bank and your wallet is credited instantly — no cards or gateways required.
Do I need to verify my identity?
Basic services work right away. To unlock higher limits, crypto cash-outs, gift cards and USD cards, you'll complete a quick KYC step using your NIN or BVN — and, for dollar cards, a fast selfie liveness check.
How does selling crypto work?
Pick the asset and amount, confirm the live rate, and send to the address shown. Once your transfer is confirmed on-chain, the naira value is paid into your wallet or linked bank account — usually within minutes.
Is KoolPay available now?
KoolPay is rolling out on Android and iOS. Tap “Get the app” to download or join the early-access list, and we'll let you know the moment it's live in your store.

Ready to go Kool?

Join thousands of Nigerians who pay bills, sell crypto and spend in dollars the smart way. Download KoolPay and take control of your money today.

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