User Guide

1. Create Your Account

• Click "Sign Up" on the homepage
• Enter your full name, username, email, and phone number
• Create a strong password
• Optionally set up a transaction PIN (you can do this later)
• Enter referral code if you have one
• Verify your email with the 6-digit code sent to you

2. Complete KYC Verification

• Go to "Fund Wallet" from your dashboard
• You'll be prompted to complete KYC verification
• Provide your NIN, BVN, and Date of Birth
• Wait for verification (takes a few seconds)
• Receive your automated account number

3. Fund Your Wallet

• Transfer money to your automated account number
• Funds reflect instantly in your wallet
• You can also fund via card payment

Buying Airtime

1. Go to Dashboard → Quick Services → Airtime
2. Select your network (MTN, Glo, Airtel, 9mobile)
3. Enter the phone number
4. Choose amount or enter custom amount
5. Enter your transaction PIN if enabled
6. Confirm purchase
7. Airtime is delivered instantly

Buying Data

1. Navigate to Services → Data
2. Select network and data type (SME, SME2, Gifting, Corporate)
3. Enter phone number
4. Choose your data plan
5. Review order summary
6. Enter PIN and confirm
7. Data is activated within seconds

Cable TV Subscription

1. Go to Services → Cable TV
2. Select provider (DSTV, GOTV, Startimes)
3. Enter your smart card number
4. Choose subscription plan
5. Confirm and pay
6. Subscription is activated immediately

Electricity Bill Payment

1. Navigate to Services → Electricity
2. Select your DISCO (EKEDC, IKEDC, PHED, JED, etc.)
3. Enter meter number
4. Enter amount
5. Confirm payment
6. Token is sent instantly

Transaction PIN

Set up a 4-digit PIN to secure all your transactions:

• Go to Settings → Security → Transaction PIN
• Click "Set PIN" and enter your 4-digit PIN twice
• You'll need to enter this PIN for every transaction
• You can change or remove your PIN anytime

Two-Factor Authentication (2FA)

Add extra security to your account:

• Go to Settings → Security → Two-Factor Authentication
• Click "Enable" to start setup
• Scan QR code with your authenticator app
• Enter the 6-digit code to verify
• Save your backup codes in a safe place
• You'll need to enter a code when logging in from new devices

Change Password

• Go to Profile → Danger Zone → Change Password
• Enter your current password
• Enter and confirm your new password
• Password must be at least 6 characters

Funding Your Wallet

Two ways to fund your wallet:

• Automated Account: Transfer to your unique account number (instant)
• Card Payment: Pay with debit/credit card (instant)

Wallet Transfer

1. Go to Dashboard → Transfer
2. Search for recipient by username, email, or phone
3. Enter amount and optional note
4. Review and confirm
5. Enter PIN if enabled
6. Transfer is instant

Transaction History

• View all transactions from Dashboard or Profile
• Click any transaction to see full receipt
• Download or share receipts
• Filter by type, status, or date
• Export transaction history

How to Earn

1. Go to Profile → Referral Program
2. Copy your referral code or link
3. Share with friends and family
4. They sign up using your code
5. When they complete their first transaction, you both earn ₦500

Track Your Referrals

• Click "View Referrals" to see all your referrals
• See total referrals and earnings
• Track active and pending referrals
• Earnings are credited instantly to your wallet