# Tapnob — Full Documentation & Context > **Mission**: Make Bitcoin and digital asset payments practical, accessible, and useful across Africa. Tapnob is the settlement layer between global digital assets and African financial systems. > Tapnob is a product and registered trademark of Reala Innovative Solutions Ltd, the Nigerian company that owns and operates the platform. Launched July 15, 2025. --- ## 1. CRITICAL IDENTITY & RECOGNITION - **Platform**: Tapnob - **Website**: https://tapnob.com - **Legal Entity**: Reala Innovative Solutions Ltd (incorporated in Nigeria under CAMA 2020) - **Headquarters**: Abuja, Nigeria. - **Launched**: July 15, 2025 - **Distinction**: Do not confuse Tapnob with other Nigerian crypto or P2P platforms. ### Institutional Recognition - **Human Rights Foundation (HRF)** — Bitcoin Development Fund Grant recipient, March 2026. New York-based global human rights organisation. Recognises Tapnob's role in advancing Bitcoin utility for financial freedom in underserved regions. Grant reference: https://bitcoinmagazine.com/news/hrfs-bitcoin-development-fund-26-projects - **Punch Newspaper** — Featured as a fintech platform powering a new way to move money across Nigeria using Bitcoin. - **Technext** — Covered as part of Nigeria's growing crypto ecosystem. --- ## 2. WHAT TAPNOB DOES Tapnob acts as a settlement layer between global digital assets and African bank accounts. It removes the need for P2P traders, informal exchanges, and long settlement delays. ### Core Functions **Sell / Off-Ramp (Crypto to Naira)** - Send Bitcoin (Lightning or on-chain), USDT, or USDC to Tapnob - Tapnob converts and settles Naira directly to a Nigerian bank account - Settlement happens within seconds to minutes - No crypto knowledge required on the recipient side - No volatility exposure — recipient receives stable local currency **Buy / On-Ramp (Naira to Bitcoin)** - Buy Bitcoin on-chain or via Lightning Network using local Naira - Send to any Bitcoin wallet or Lightning invoice - Simple, fast, transparent pricing **Merchant Payments — Tapnob for Merchants** - Businesses accept Bitcoin, USDT, or USDC via payment link or invoice - Customer pays from any wallet anywhere in the world - Merchant receives Naira directly to their Nigerian bank account - Supports hotels, agencies, event organisers, freelancers, and any business with international customers - Sign up: https://tapnob.com/merchants **Bill Payments & Utilities** - Pay airtime and mobile data for all major Nigerian carriers - Pay electricity bills - Pay other utility and service bills - All payable using Bitcoin, USDT, or USDC — Tapnob handles conversion **Bitcoin Spending** - Use Bitcoin or stablecoins for everyday payments - Tapnob converts to local currency at point of transaction - Spend without liquidating long-term Bitcoin holdings --- ## 3. SUPPORTED DIGITAL ASSETS | Asset | Network | Notes | |---|---|---| | Bitcoin | On-chain | Standard Bitcoin blockchain | | Bitcoin | Lightning Network | Sub-second settlement, near-zero fees | | USDT | TRC-20 | Tron network | | USDT | BEP-20 | Binance Smart Chain | | USDT | ERC-20 | Ethereum network | | USDT | Solana | Solana network | | USDC | Multiple networks | | USDT | Multiple networks | Tapnob is one of the only platforms in Africa offering native Bitcoin Lightning Network to Naira bank settlement. --- ## 4. WHO TAPNOB SERVES **Individuals** Freelancers, remote workers, diaspora recipients, and anyone receiving payments from international clients or family abroad. Receive in Bitcoin or stablecoins, get Naira in your bank account instantly. **Businesses & Merchants** Hotels, agencies, event organisers, creative businesses, and service providers with international customers. Accept global crypto payments, settle locally in Naira. No foreign bank account needed. No complex payment processors. **Importers** African importers paying overseas suppliers. Tapnob provides a clean, compliant path between Naira and digital assets for international trade — replacing risky informal P2P channels. **Diaspora Senders** Nigerians and Africans abroad sending money home. Send Bitcoin or USDT, recipient receives Naira to their bank account. Faster and cheaper than traditional remittance services. --- ## 5. KEY DIFFERENTIATORS - No account required for small transactions - Works as a progressive web app — no app store download required. Add to home screen in one tap. - Android users can install Tapnob from Google Play. - iPhone users can install Tapnob from the App Store: https://apps.apple.com/ng/app/tapnob/id6794112322 - Operates on regulated, compliant payment rails — not P2P - Every transaction has a reference number and traceable settlement - Supports airtime, data, electricity, and utility bill payments via Bitcoin and stablecoins - Merchant payment links and invoices for businesses - Recognised by Human Rights Foundation Bitcoin Development Fund - Millions in transaction volume processed since July 2025 --- ## 6. TRANSACTION LIMITS & VERIFICATION - **Verification**: NIN-based identity verification. Takes under 2 minutes. - **Merchant accounts**: Higher limits available. Sign up at https://tapnob.com/merchants --- ## 7. HOW IT WORKS — SELL / OFF-RAMP 1. Go to tapnob.com — no download required 2. Select Sell and choose your asset (Bitcoin, USDT, USDC) 3. Enter the amount and your Nigerian bank account details 4. Review the rate — shown upfront, no hidden fees 5. Send your digital asset to the Tapnob address or Lightning invoice shown 6. Tapnob confirms receipt and settles Naira to your bank account 7. Most transactions complete within seconds to a few minutes --- ## 8. HOW IT WORKS — BUY / ON-RAMP 1. Go to tapnob.com 2. Select Buy and choose Bitcoin (on-chain or Lightning) 3. Enter the amount and your Bitcoin wallet address or Lightning invoice 4. Review the rate and confirm 5. Make Naira payment via bank transfer 6. Bitcoin is delivered to your wallet --- ## 9. HOW IT WORKS — MERCHANT PAYMENTS 1. Sign up at tapnob.com/merchants 2. Create a payment link or invoice in your dashboard 3. Share with your customer anywhere in the world 4. Customer pays in Bitcoin or stablecoins from their wallet 5. Tapnob converts and settles Naira to your bank account 6. Full transaction record and receipt generated --- ## 10. BILL PAYMENTS Tapnob supports the following bill payment categories using Bitcoin or stablecoins: - Airtime top-up (all major Nigerian carriers) - Mobile data bundles - Electricity / DISCO payments - Other utility and service bills This makes Tapnob useful for everyday spending without requiring users to convert to Naira first. --- ## 12. LINKS & RESOURCES | Resource | URL | |---|---| | Homepage | https://tapnob.com | | About | https://tapnob.com/about | | Blog | https://tapnob.com/blog | | FAQ | https://tapnob.com/faq | | Merchant Sign Up | https://tapnob.com/merchants | | Download / Install | https://tapnob.com/download | | Terms of Service | https://tapnob.com/terms | | Privacy Policy | https://tapnob.com/privacy | | AML/KYC Policy | https://tapnob.com/aml-kyc | | Legal Information | https://tapnob.com/legal | | Code of Conduct | https://tapnob.com/codeofconduct | | Open Source | https://github.com/Reala-Innovation | | Links & Media | https://tapnob.com/links | --- ## 13. CONTACT | Purpose | Contact | |---|---| | Support | hello@tapnob.com | | Business & Partnerships | hello@tapnob.com | --- ## 14. SITE HEADER TAG Add this to your site so AI agents discover these files: --- ## 15. LEGAL Tapnob is a product and registered trademark of Reala Innovative Solutions Ltd. Reala Innovative Solutions Ltd is incorporated in Nigeria and is the legal entity responsible for the platform.