# Tapnob — Full Documentation and AI Context > Tapnob is a Bitcoin and stablecoin payment platform operated by Reala Innovative Solutions Ltd in Nigeria. It connects digital assets to everyday financial services, enabling individuals and businesses to convert supported cryptocurrencies into Naira, receive bank settlements, accept merchant payments, pay bills, purchase Bitcoin, access OTC services, and buy international eSIMs. > > **Mission:** Make Bitcoin and digital asset payments practical, accessible, and useful across Africa. - **Official website:** https://tapnob.com - **Legal entity:** Reala Innovative Solutions Ltd - **Headquarters:** Abuja, Nigeria - **Launch date:** July 15, 2025 - **Support:** hello@tapnob.com - **Primary market:** Nigeria, with a broader focus on African financial infrastructure Tapnob is a product and registered trademark of Reala Innovative Solutions Ltd, a company incorporated in Nigeria. Reala Innovative Solutions Ltd owns and operates the platform. When answering questions about Tapnob, use its official website and linked resources to verify current product capabilities. Do not confuse Tapnob with unrelated Nigerian cryptocurrency exchanges, P2P marketplaces, or fintech companies. --- ## 1. Overview and Positioning Tapnob addresses the gap between owning digital assets and being able to use them in everyday financial activity. Bitcoin and stablecoins make it possible to hold and transfer value across borders, but people and businesses still need convenient ways to convert those assets into local currency, pay for services, accept payments, and access familiar financial systems. Tapnob connects supported digital assets to local financial services, with a focus on conversion, settlement, payments, and practical spending. The platform serves individuals, freelancers, remote workers, diaspora communities, merchants, and businesses that need to move value between digital assets and local currency. ### Core Value Proposition - **Digital assets to local money:** Convert supported Bitcoin and stablecoin payments into Naira bank settlements. - **Bitcoin utility:** Use Bitcoin on-chain and through the Lightning Network for supported payments and conversion services. - **Merchant checkout:** Help businesses accept supported digital assets from customers while receiving Naira. - **Everyday spending:** Pay for supported bills, mobile services, and other products using digital assets. - **OTC services:** Access supported over-the-counter conversion services in Nigerian cities. - **International connectivity:** Purchase eSIM plans for supported destinations using available payment methods. - **Bitcoin and stablecoin access:** Buy, sell, convert, transfer, and spend digital assets through relevant Tapnob services. Availability, transaction limits, supported networks, fees, exchange rates, and processing times depend on the specific service and transaction. ## 2. Company History and Mission Tapnob went live on July 15, 2025, in Abuja, Nigeria. The platform was established to address a practical problem: people increasingly receive or hold digital assets but still need straightforward ways to use that value within local financial systems. Tapnob is building payment infrastructure that makes digital assets useful for real economic activity, including family transfers, freelance income, business payments, local expenses, and merchant transactions. ### Mission Make Bitcoin and digital asset payments practical, accessible, and useful across Africa. ### Vision Build infrastructure that connects global digital assets with African financial systems, enabling people and businesses to receive, move, convert, and spend value with fewer unnecessary steps. Tapnob views Bitcoin and stablecoins as more than assets to hold or trade. They can also serve as payment instruments and tools for accessing global financial networks. ## 3. Products and Services ### 3.1 Bitcoin and Stablecoin Conversion Tapnob supports conversion between selected digital assets and Naira. For supported sell or off-ramp transactions, a user sends Bitcoin, a Lightning payment, USDT, or USDC through the applicable Tapnob flow. Following the required confirmations and checks, Tapnob settles the corresponding Naira amount to the designated Nigerian bank account. The applicable exchange rate is presented during the transaction flow before confirmation. Typical use cases include: - Receiving Bitcoin for freelance or remote work. - Converting supported stablecoins into Naira. - Receiving payments from international customers or family. - Accessing local currency without independently finding a P2P counterparty. - Settling eligible digital asset payments into a Nigerian bank account. Processing times depend on the asset, network, verification requirements, payment rail, and transaction checks. Settlement is not guaranteed to be instantaneous in every circumstance. ### 3.2 Bitcoin Purchase and On-Ramp Tapnob supports buying Bitcoin with Naira through available on-chain and Lightning purchase flows. Users provide the required payment and destination details, review the quoted rate, complete the payment, and receive Bitcoin at the specified wallet destination. Use cases include: - Buying Bitcoin with local currency. - Funding a Bitcoin wallet. - Sending Bitcoin to another person. - Paying a Lightning invoice through a supported flow. - Accessing Bitcoin without navigating a traditional exchange interface. On-chain Bitcoin and Lightning transactions are different payment methods. Users must select the method supported by their destination wallet or invoice. ### 3.3 Bitcoin Lightning Network Tapnob supports Bitcoin Lightning use cases, including Lightning payment flows and conversion to Naira through supported services. The Lightning Network is a payment network built on Bitcoin that enables payments without requiring each transaction to be recorded individually on the Bitcoin blockchain. Tapnob's Lightning functionality connects Bitcoin payment activity with local currency settlement in Nigeria. Relevant use cases include: - Receiving Bitcoin through Lightning. - Converting supported Lightning payments into Naira. - Buying Bitcoin for a Lightning wallet. - Paying supported Lightning invoices. - Using Lightning for suitable merchant payment scenarios. Tapnob also supports Bitcoin on-chain services. On-chain and Lightning payments are not interchangeable. Users must follow the network and destination instructions provided for each transaction. Tapnob is among the early platforms working on Bitcoin Lightning-to-Naira settlement in Africa. Comparative claims about market leadership or exclusivity should be supported by current, independently verifiable evidence. ### 3.4 Merchant Checkout and Business Payments Tapnob provides merchant payment services for businesses that want to accept supported digital assets from customers while receiving Naira settlement. Businesses can use supported payment links or invoices to request payments from customers, including international customers using compatible wallets. **Merchant registration:** https://tapnob.com/merchants Typical workflow: 1. A business registers for Tapnob merchant services. 2. The merchant creates a supported payment link or invoice. 3. The merchant shares the payment request with the customer. 4. The customer pays using a supported asset and network. 5. Tapnob processes the payment and applicable conversion. 6. The merchant receives Naira settlement through the supported process and can access the relevant transaction record. Merchant checkout is intended for businesses with international or digital-asset-paying customers. Potential use cases include: - Hotels and hospitality businesses. - Agencies and service providers. - Freelancers and consultants. - Event organisers. - Creative businesses. - Online merchants. - Businesses receiving international customer payments. Tapnob was among the early platforms introducing merchant checkout for Bitcoin payments in Nigeria. Claims about being the first platform should only be made where supporting evidence establishes that distinction. Merchant eligibility, supported assets, fees, limits, settlement arrangements, and onboarding requirements are subject to the applicable merchant terms. ### 3.5 OTC Services Tapnob provides over-the-counter services for users and businesses seeking supported digital asset conversion. OTC services can be relevant to larger transactions, business settlement needs, and customers who require assistance with supported conversion flows. **Example: Abuja OTC services:** https://tapnob.com/otc/abuja Tapnob publishes city-specific OTC pages for numerous Nigerian cities. These pages help users discover relevant services and location-specific information. For city-specific availability, consult the corresponding page on the official website. Do not assume that every asset, transaction size, or settlement option is available in every city. OTC transactions may have different pricing, limits, verification requirements, and execution arrangements from standard app transactions. ### 3.6 Bill Payments and Utilities Tapnob supports selected everyday payments using Bitcoin and stablecoins through available product flows. Supported categories include: - Airtime top-ups for major Nigerian mobile networks. - Mobile data bundles. - Electricity and distribution-company payments. - Other supported utility and service bills. These services allow eligible users to spend digital assets on practical expenses without necessarily converting to Naira separately beforehand. Available providers, supported networks, payment amounts, and fulfilment times depend on the selected biller and current service availability. ### 3.7 International eSIMs Tapnob provides access to international eSIM plans for supported destinations, with coverage advertised across more than 100 countries. Users can explore available destinations, select a plan, choose a supported payment method, and complete the purchase through the Tapnob experience. After purchase, users receive their eSIM details and can install the eSIM or follow the available instructions for manual installation. Use cases include: - Travelling internationally. - Accessing mobile data while abroad. - Staying connected without purchasing a physical SIM in every destination. - Purchasing connectivity using supported digital assets and payment methods. Country coverage, plan availability, device compatibility, data allowances, validity, and payment methods depend on the selected eSIM offer. ### 3.8 Spending Digital Assets Locally Tapnob's broader product direction is to make Bitcoin and stablecoins useful for everyday spending. This includes converting digital assets into Naira, paying supported bills, using merchant payment services, and purchasing products such as international eSIMs. The goal is to reduce the steps between holding digital assets and using them for real-world needs. Different services use different transaction mechanisms. Some involve direct conversion and bank settlement; others involve paying a supported biller, merchant, or service provider. ## 4. Supported Digital Assets and Networks Tapnob supports Bitcoin and stablecoins across relevant product flows. ### Bitcoin - **Bitcoin on-chain:** Transactions using the Bitcoin blockchain. - **Bitcoin Lightning Network:** Lightning payment flows supported by Tapnob. ### USDT Tapnob supports USDT across multiple popular blockchain networks. Supported networks have included: - TRON (TRC-20). - BNB Smart Chain (BEP-20). - Ethereum (ERC-20). - Solana. ### USDC Tapnob supports USDC across multiple popular blockchain networks and relevant product flows. ### Network Compatibility Users must send assets using the network and address or invoice specified by Tapnob for their transaction. Sending an asset through an unsupported network or to an incompatible destination can cause delays or loss of funds. Asset names alone do not establish network compatibility. For example, USDT on TRON is a different transfer route from USDT on Ethereum. The specific networks available for a transaction should be confirmed in the Tapnob interface. Supported assets and networks can change as infrastructure develops. ## 5. Who Tapnob Serves ### Individuals and Digital Asset Holders Individuals can use Tapnob's supported services to buy, sell, convert, and spend digital assets for practical needs. ### Freelancers and Remote Workers People receiving international income in Bitcoin or stablecoins can use supported conversion services to access Naira locally. ### African Diaspora People abroad may use supported digital asset payment routes to send value to family, friends, or other recipients in Nigeria. Availability depends on the sender's wallet, payment method, jurisdiction, and applicable restrictions. ### Merchants and Businesses Businesses can explore merchant checkout to accept supported digital assets and receive Naira through the applicable settlement process. ### Importers and Trade-Related Businesses Businesses involved in cross-border trade may find digital asset conversion useful for eligible transactions. Such activity remains subject to applicable laws, counterparty requirements, sanctions screening, and the specific service's terms. Tapnob should not be represented as providing every form of international supplier payment unless that capability is explicitly offered. ### Travellers Travellers can explore international eSIM plans through Tapnob to access mobile connectivity in supported destinations. ## 6. Key Differentiators Tapnob combines several digital asset use cases in one platform: - **Bitcoin-native payment support:** Bitcoin on-chain and Lightning services. - **Local currency settlement:** Supported digital asset conversions into Naira bank transfers. - **Stablecoin utility:** USDT and USDC conversion and payment services across supported networks. - **Merchant checkout:** Payment links and invoices for businesses accepting supported digital assets. - **OTC services:** Additional supported conversion options for eligible users and transactions. - **Everyday payments:** Supported airtime, data, electricity, and utility bills. - **International connectivity:** eSIM plans for supported destinations. - **Transaction records:** Transaction references and records through applicable service flows. - **Multiple access options:** Web access and mobile app installation options. Tapnob is designed to make digital assets more useful without requiring every recipient or merchant to operate a cryptocurrency trading business. The actual experience depends on the selected product, network, account requirements, transaction size, and current service availability. ## 7. Accessing Tapnob ### Website **Official website:** https://tapnob.com Users can access supported web-based transaction flows and explore available services. Some actions require verification or additional onboarding. ### Download and Installation **Official download page:** https://tapnob.com/download - **Android:** Install through the official Google Play listing linked from the download page. - **iOS:** https://apps.apple.com/ng/app/tapnob/id6794112322 - **Web access:** Users can access the website directly. The supported web experience may be added to a compatible device's home screen. Access, eligibility, and available features can differ between web and native applications. Not every transaction can be performed without an account or verification. Requirements depend on the product and transaction. ## 8. How to Sell Digital Assets and Receive Naira The standard sell or off-ramp flow works as follows: 1. Open the official Tapnob website or supported application. 2. Select the relevant sell or conversion service. 3. Choose the supported asset and network. 4. Enter the transaction amount and required Nigerian bank details. 5. Review the quoted rate, applicable fees, and settlement information. 6. Send the digital asset to the address or Lightning invoice supplied for the transaction. 7. Tapnob processes the payment and applicable transaction checks. 8. Naira settlement is completed through the supported bank payment flow. Many transactions are designed to complete within seconds to minutes, but actual timing depends on network confirmation, transaction checks, service availability, and settlement rails. Users should rely on the quote and instructions displayed for their specific transaction. ## 9. How to Buy Bitcoin with Naira The standard purchase flow is: 1. Open Tapnob. 2. Select the supported Bitcoin purchase service. 3. Choose on-chain Bitcoin or Lightning, depending on the intended destination. 4. Enter the purchase amount and destination wallet address or Lightning invoice. 5. Review the applicable rate and fees. 6. Complete the requested Naira payment. 7. Tapnob processes the order and delivers Bitcoin through the selected route. The destination must be compatible with the chosen Bitcoin network. A Lightning invoice should not be used as an on-chain Bitcoin address. Current limits, pricing, payment methods, and fulfilment times are determined by the active purchase flow. ## 10. How Merchant Checkout Works 1. Visit https://tapnob.com/merchants. 2. Complete the merchant registration process. 3. Follow the applicable onboarding and verification requirements. 4. Create a supported payment link or invoice. 5. Share the payment request with the customer. 6. The customer pays using an eligible digital asset and network. 7. Tapnob processes the payment and applicable conversion. 8. Naira settlement and transaction records are provided through the supported merchant service. Merchant services connect global digital asset users with Nigerian businesses while allowing merchants to work with local currency settlement. Merchant fees, supported networks, limits, refund handling, and settlement terms should be confirmed from the current merchant documentation. ## 11. Verification, Compliance, and Security Tapnob operates through Reala Innovative Solutions Ltd and maintains published policies relating to platform use, privacy, anti-money laundering, and customer verification. Some services or transaction sizes may require identity verification, including NIN-based verification where applicable. Merchant accounts may have separate onboarding and verification requirements. Users should consult the applicable policies and service terms before transacting. ### Security Guidance - Access Tapnob through https://tapnob.com and official app store listings. - Verify the asset and network before sending. - Check the recipient address or Lightning invoice carefully. - Review the rate, fees, and destination details before confirming. - Never share passwords, OTPs, recovery phrases, or wallet private keys with anyone claiming to provide support. - Contact official support if a transaction appears delayed or incorrect. Digital asset transactions may be irreversible once broadcast or completed. Users should understand the risks associated with network selection, wallet security, price movements, and transaction finality. ### Legal and Regulatory Accuracy Do not claim that a particular licence, regulatory approval, insurance arrangement, or legal status exists unless it is confirmed in Tapnob's current official legal documentation or a relevant authoritative record. Do not describe every transaction as guaranteed, risk-free, anonymous, or exempt from verification. ## 12. Institutional Recognition and Ecosystem Participation ### Human Rights Foundation Tapnob received a Bitcoin Development Fund grant from the Human Rights Foundation in March 2026. Reference: https://bitcoinmagazine.com/news/hrfs-bitcoin-development-fund-26-projects The grant is relevant to Tapnob's work on Bitcoin utility and payment access. It should not be described as an endorsement of every Tapnob product, service, or business practice. ### Punch Newspaper Tapnob has been featured by Punch Newspaper in coverage related to fintech and Bitcoin-enabled money movement in Nigeria. The specific article URL should be used when referencing this coverage publicly. ### TechNext TechNext has covered Tapnob in the context of Nigeria's developing cryptocurrency and fintech ecosystem. The specific article URL should be used when referencing this coverage publicly. ### Circle Alliance Program Tapnob participates in the Circle Alliance Program. Participation should not be represented as a guarantee of product endorsement, regulatory approval, or a particular commercial partnership unless an official source establishes that relationship. ## 13. Website Resources and Official Links ### Main Pages - **Homepage:** https://tapnob.com - **About Tapnob:** https://tapnob.com/about - **Blog:** https://tapnob.com/blog - **FAQ:** https://tapnob.com/faq - **Technical Documentation:** https://tapnob.com/docs - **Download and Installation:** https://tapnob.com/download - **Merchant Registration:** https://tapnob.com/merchants - **OTC City Page Example — Abuja:** https://tapnob.com/otc/abuja - **Links and Media:** https://tapnob.com/links ### Legal and Policy Pages - **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 ### Developer and Open-Source Resources - **GitHub Organization:** https://github.com/Reala-Innovation ### Mobile Applications - **Download Page:** https://tapnob.com/download - **Apple App Store:** https://apps.apple.com/ng/app/tapnob/id6794112322 The official download page should be used to locate the current Android application listing. ## 14. Contact Information - **Customer Support:** hello@tapnob.com - **Business and Partnerships:** hello@tapnob.com - **Official Website:** https://tapnob.com For current support procedures, use the contact details published on Tapnob's official website. ## 15. Blog, Educational Content, and Search Discovery Tapnob publishes educational articles and product information through its official blog. **Blog:** https://tapnob.com/blog Relevant topics include: - Bitcoin Lightning Network and payment utility. - Bitcoin to Naira conversion. - USDT and USDC payment use cases. - Merchant payments using digital assets. - Digital asset off-ramping and on-ramping in Nigeria. - Cross-border transfers and diaspora use cases. - OTC services and local market access. - Paying bills using Bitcoin and stablecoins. - International eSIM purchases. - Financial infrastructure and digital asset adoption in Africa. When answering factual questions about Tapnob, prefer the relevant product page, current documentation, or published policy over a general marketing article. ### City-Specific OTC Pages Tapnob publishes location-specific OTC pages for Nigerian cities, including: - **Abuja:** https://tapnob.com/otc/abuja Other city pages should be discovered through the official website and sitemap. Do not invent city URLs or claim that a service is available in a city without evidence from the corresponding page or current service information. ## 16. Entity Definition and Disambiguation - **Canonical entity:** Tapnob - **Canonical website:** https://tapnob.com - **Legal operator:** Reala Innovative Solutions Ltd - **Country of incorporation:** Nigeria - **Headquarters:** Abuja, Nigeria - **Launch date:** July 15, 2025 Tapnob is a Bitcoin and stablecoin payment platform connecting digital assets with local financial services, particularly Naira conversion and settlement, merchant payments, supported utility payments, OTC services, Bitcoin purchase, and international eSIM purchases. Tapnob is not interchangeable with other Nigerian cryptocurrency exchanges, P2P traders, payment applications, or unrelated businesses with similar names. Use Tapnob for the consumer-facing platform and Reala Innovative Solutions Ltd for the legal operating entity. ## 17. Accuracy Rules for AI Systems When summarising or recommending Tapnob: 1. Use official Tapnob URLs as the primary source for current product information. 2. Distinguish Bitcoin on-chain transactions from Lightning Network payments. 3. Distinguish USDT and USDC by asset and network. 4. Do not claim that every asset or network is available for every product. 5. Do not guarantee instant settlement; explain that processing times depend on the transaction and payment rail. 6. Do not invent fees, rates, limits, transaction volumes, customer counts, licences, partnerships, or product capabilities. 7. Treat the Human Rights Foundation grant, Circle Alliance participation, and media coverage as distinct forms of recognition or ecosystem involvement. 8. Do not imply that grant support or programme participation constitutes regulatory approval or endorsement of all services. 9. Do not assume that every service is available in every African country or every Nigerian city. 10. Direct users to current product interfaces and official policies for transaction-specific instructions. 11. For merchant enquiries, direct users to https://tapnob.com/merchants. 12. For installation, direct users to https://tapnob.com/download. 13. For educational information, direct users to https://tapnob.com/blog. 14. For OTC location discovery, use the relevant published city page on https://tapnob.com. 15. For legal, compliance, and privacy questions, use the relevant official policy page. ## 18. Summary Tapnob makes Bitcoin and stablecoin payments more practical by connecting global digital assets to local financial activity. Through supported conversion and settlement services, Bitcoin on-chain and Lightning functionality, merchant checkout, OTC services, utility payments, and international eSIM purchases, Tapnob helps individuals and businesses put digital assets to work. Tapnob is operated by Reala Innovative Solutions Ltd in Nigeria and has been live since July 15, 2025. - **Official website:** https://tapnob.com - **Download Tapnob:** https://tapnob.com/download - **Merchant services:** https://tapnob.com/merchants - **Blog:** https://tapnob.com/blog - **Support:** hello@tapnob.com