THE CROSS-BORDER MONEY ACCOUNT FOR AFRICA

MOVE MONEY
WITHOUT BORDERS.

Receive USD, hold both currencies, convert instantly, pay bills, and transfer — all in one account built for Africans living globally.

SHARPLY

USD BALANCE

$12,450.00

NGN BALANCE

₦8,420,000.00

USD received from Alex+$800

Airtime — MTN-₦2,000

Converted USD→NGN₦316,000

Example • Prototype only

Bank-grade security

Instant notifications

24/7 support

Multi-currency account

Our Philosophy

CRYPTO IS THE RAIL.
MONEY IS THE PRODUCT.

We use modern financial infrastructure to move money faster and at better rates. But what you experience is simple: receive in USD, hold, convert, send, and spend. No crypto knowledge required — Sharply handles the rails so you handle your money.

One Account. Full Control.

Your money journey

Receive

Hold

Convert

Transfer

Spend

Track

For Individuals

Built for Africans living globally

Whether you're a remote worker, freelancer, or diaspora sending money home — Sharply gives you one account that works everywhere.

Receive USD & NGN

Get a USD account number with routing details. Receive payments from clients, platforms, and family worldwide.

Convert Instantly

Switch between USD and NGN at competitive rates. See exactly what you get before you confirm — no hidden fees.

Pay Bills in Nigeria

Airtime, data, electricity, TV subscriptions, and more — all from your NGN balance, from anywhere in the world.

For Business

Multi-currency accounts for growing teams

Manage USD and NGN payments, pay your team, and keep your books clean — all from one business account.

Business Dashboard Active

USD BALANCE

$48,200

NGN BALANCE

₦32.4M

Example • Prototype only

How It Works

Up and running in minutes

01

Create your account

Sign up with your email. Verify your identity with basic documentation. Takes about 5 minutes.

02

Get your account details

Instantly receive your USD account number and NGN bank details. Start receiving money right away.

03

Move money freely

Convert, transfer, pay bills. Track everything in real-time. Your money, moving at your command.

Bill Payments

Pay Nigeria from anywhere

All your essential Nigerian services, paid instantly from your Sharply balance.

Airtime

Data

Electricity

TV / Cable

Soon

Gift Cards

Soon

Flights

For Individuals

Your money, working
across borders

Receive USD from anywhere. Hold both currencies. Convert, transfer, and pay bills — all without leaving the app.

USD Account Details

Get a real USD account number and routing number. Share with anyone who pays in USD — clients, employers, or marketplaces.

Hold Both Currencies

Keep USD and NGN in the same account. Convert when the rate suits you — you're always in control.

Instant Conversion

Convert USD to NGN (or back) in seconds. See the exact rate, fee, and amount you'll receive before confirming.

Send to Nigeria

Transfer NGN directly to any Nigerian bank account. Fast, low-cost, and tracked in real-time.

Bill Payments

Top up airtime, pay data bundles, settle electricity bills and TV subscriptions from anywhere in the world.

Full Transaction History

Filter, download statements, and track every naira and dollar that moves through your account.

For Business

Multi-currency accounts
for growing teams

Collect USD, manage NGN, pay your team, and streamline cross-border payments — from one business account.

Business USD Account

Collect USD payments from international clients and platforms. Separate business and personal finances cleanly.

Pay Team in NGN

Convert from your USD balance and transfer directly to your team's Nigerian bank accounts — same day.

Transaction Reporting

Download statements in CSV or PDF. Filter by currency, date range, or transaction type for your accountant.

Secure by Design

Every transaction is verified. Real-time notifications keep you in control of every outflow from your business account.

How It Works

Simple. Transparent.
Built for you.

Sharply removes the complexity from cross-border money movement. Here's exactly how it works.

01

Create your Sharply account

Sign up with your email address and verify your identity. We use secure identity verification to keep your account safe. The process takes about 5 minutes.

02

Get your account details

Instantly access your USD account number and routing number, plus your NGN account details. Share these with anyone who needs to send you money.

03

Receive, hold, and convert

Money lands in your account and appears in your balance. Hold it in USD, convert to NGN when the rate works for you — you decide when and how much.

04

Transfer and pay bills

Send NGN to any Nigerian bank account. Pay airtime, data, electricity, and TV from your balance. All transactions are tracked and instantly confirmed.

Frequently asked questions

What currencies does Sharply support?

Sharply currently supports USD and NGN. You can receive, hold, convert, and transfer between these two currencies. We're working on adding more currencies.

How are the exchange rates determined?

Sharply uses competitive market rates. The exact rate is always shown before you confirm a conversion — no hidden fees or rate padding. The rate you see is the rate you get, plus any applicable fees clearly shown.

How long do transfers take?

NGN transfers to Nigerian bank accounts are typically processed within minutes. USD transfers to supported destinations may take 1–3 business days depending on the destination and network.

Is Sharply safe to use?

Sharply uses bank-grade security practices including multi-factor authentication and transaction monitoring. Every action on your account generates an instant notification, so you're always in the know. For more details, see our Security page.

Security

Your money is
protected

We take security seriously at every layer — from how you log in to how we store your data.

Multi-Factor Authentication

Every login requires verification beyond your password. We support authenticator apps and SMS verification to keep your account yours.

Real-Time Notifications

Every transaction on your account sends an immediate notification. If something looks wrong, you can flag it instantly.

Identity Verification

We verify every account holder before any funds can move. This keeps fraudsters out and your money protected.

Data Encryption

Your personal and financial data is encrypted in storage and in transit. We apply bank-grade data protection practices across all systems.

Transaction Monitoring

Our systems monitor for unusual activity around the clock. Suspicious transactions are flagged for review before they complete.

24/7 Support

Our support team is available around the clock. If you ever have a concern about your account, we're here to help immediately.

Prototype notice: This is a demonstration product. Security features described here represent the intended design approach for Sharply V1. Specific security certifications and regulatory approvals will be listed once the product is in live operation. Do not rely on this prototype for financial decisions.

Our Story

Built for people
who move

Sharply started with a simple frustration: why is moving money across borders so hard for Africans?

Our Mission

Financial infrastructure that moves as fast as people do.

Sharply is built by CirclePay. We believe money should move freely across borders — as easily as a message. We use modern financial infrastructure to make that real, but we keep the experience simple: receive, hold, convert, transfer, and spend. No jargon. No complexity. Just money that works.

Our North Star

Every African living globally deserves a money account that keeps up with their life — not one that fights them at every border.

Our Philosophy

Crypto is the rail. Money is the product. We use what works to build what people need — a real money account, not a crypto app.

Leadership

S

Sylvester Okungbowa

Founder & CEO, CirclePay

Monday, 28 Sep 2025

Good morning, Chidi 👋

USD Balance

$12,450.00

≈ ₦19,671,000 at current rate

NGN Balance

₦8,420,000.00

≈ $5,329 at current rate

Example balances • Prototype only

USD Balance — Last 30 days ↑ 12.4%

Receive

Convert

Transfer

Bills

Recent Activity View all →

Receive Money

Share your account details to receive funds.

USD

NGN

Example account details — Prototype only

Account Number

1234567890

Routing Number

021000021

Bank Name

Sharply Financial LLC

Account Type

Checking

Beneficiary Name

Chidi Okonkwo

Your Balances

USD

$12,450.00

≈ ₦19,671,000

NGN

₦8,420,000

≈ $5,329

Example balances • Prototype only

Convert

Swap between USD and NGN at competitive rates.

Amount in USD

Exchange rate $1 = ₦1,580

Fee $0.00

              You receive
              —
            

Rate shown is illustrative • Prototype only

Transfer

Send money to a bank account.

Pay Bills

Pay Nigerian services from your NGN balance.

Airtime

Data

Electricity

TV / Cable

Betting

Soon

Gift Cards

Soon

Flights

Activity

All

USD

NGN

Received

Sent

Statements

Download or export your transaction history.

Opening Balance

$9,800.00

Closing Balance

$12,450.00

Net Movement

+$2,650.00

Example figures • Prototype only