“I paid my electricity bill by just typing it in the chat. The token came in seconds. I did not believe crypto could feel this normal until I tried it.”
A
Amara N.
Abuja, Nigeria
Multichain · powered by stablecoins
Your local kobo,
working globally.
Buy stablecoins with your local currency. Send money to another country in minutes. Pay bills, send to any bank and withdraw — from whatever you hold, on any of six chains. Trade, earn up to 14% on what sits still, and get money back on every payment. One account — on Telegram or on the web.
No gas feesSpend from 6 chainsWithdraw to any bankCashback at checkout
Kobocent
9:41Total balance
$1,926.00
≈ ₦3,174,048 · earning 14% on $250
↗
Send
＋
Add money
🌱
Earn
🏦
Withdrawal · GTBank
2 min ago
−₦81,576
💡
AEDC electricity
Token delivered
−₦2,000
🌱
Yield earned
Accrued hourly
+$4.21
Corridor rates · indicative
USD → NGN₦1,648
GBP → NGN₦2,090
USDC → NGN₦1,648
NGN → USDC$1 / ₦1,652
USD → KESKSh 129soon
USD → GHS₵ 15.2soon
USD → JPY¥ 156soon
USD → CNY¥ 7.24soon
USD → NGN₦1,648
GBP → NGN₦2,090
USDC → NGN₦1,648
NGN → USDC$1 / ₦1,652
USD → KESKSh 129soon
USD → GHS₵ 15.2soon
USD → JPY¥ 156soon
USD → CNY¥ 7.24soon
Money that actually moves
From where you are to wherever it needs to go
Stablecoins are the rail. You never have to think about them — you just see money leave one place and arrive in another.
Naira
buy USDC, then send
US Dollars
Pay a supplier, a tuition fee, or family abroad.
Naira
buy USDC, then send
Japanese Yen
Settle an import invoice without a correspondent bank.
🪙USDC / USDT
withdraw as
🏦Naira in your bank
200+ Nigerian banks, from any chain. Minutes, not days.
⛓️ETH, BNB, POL, USDT
pay directly as
💡Electricity or airtime
Crypto you already hold, on any of six chains, paying a real bill at home — no bridging first.
Naira
buy USDC, then send
British PoundsSoon
Same rails, same speed.
Naira
buy USDC, then send
Kenyan ShillingsSoon
East Africa corridor opening next.
Getting started
Four steps, about two minutes
No exchange account. No KYC wall before you can look around. No wallet extension to install.
01
Create your account
Sign up with Google or Apple in a tap. Your wallets on Solana and the EVM chains are created for you in the background — your keys are encrypted, and only you can trigger a transaction.
02
Add money
Buy stablecoins with Naira through a bank transfer, or bring crypto in from any of six chains you already use. Dollars, Pounds and Shillings are next.
03
Do the thing you came for
Pay a bill, send to a bank, withdraw, send it abroad, trade or earn — paying from USDC, USDT, SOL, ETH, BNB or POL, on whichever chain it sits.
04
Keep it in sync
Connect Telegram and the same account follows you there. Start something on the web, finish it in chat — or the other way round. Stuck? Ask Kobo Pal.
How the money actually travels
One stablecoin, every destination
This is the engine underneath everything else. You buy a stablecoin once with the money you already have, and from there it can go out to any chain we support — or land as local currency in someone else's bank account.
🏦
01
Pay in your own currency
Transfer Naira from your bank. Dollars, Pounds and Kenyan Shillings are next in line.
🪙
02
It becomes a stablecoin
You receive USDC, issued on Solana — fast to settle and cheap to move. You do not have to know or care that this happened.
⛓️
03
Move it anywhere it needs to be
Bridge it out to Ethereum, BNB Chain, Polygon, Arbitrum or Robinhood Chain — or in from any of them. Whichever network the person or platform on the other side uses.
🌍
04
It lands as real money
Pay a supplier in Dollars today. Yuan, Yen and more as each corridor opens. Or send it straight back into a bank account.
Money in
- →Naira via bank transfer — live today
- →Crypto from 6 chains, native or stablecoin
- →Dollars, Pounds, Kenyan Shillings — next
Money out
- →Bridge out to any supported chain
- →Withdraw as Naira to 200+ banks — from any chain
- →Pay bills, airtime, data, cable — from any chain
- →Send to a person in another country
💳 Spending & Sending
Turn crypto into real-life money
Buy stablecoins with your local currency, send value across borders, pay bills at home, or withdraw straight to a bank account. No P2P traders, no exchange account, no waiting days.
Buy stablecoins with local currency
Fund with Naira today — Dollars, Pounds and Kenyan Shillings coming next. Money lands as USDC you can actually use.
Send across borders
Move value to someone in another country in minutes. They receive what you sent, not what a middleman decided to leave.
Withdraw to any bank
Cash out to 200+ Nigerian banks. Settlement in minutes, not days. No P2P counterparty risk.
Pay bills directly
Electricity, airtime, data, cable TV — paid from your stablecoin balance. Meter tokens arrive instantly.
Type it in plain words
"Send 5000 to GTBank 0123456789" — Kobocent reads the intent, verifies the account name, and executes.
Pay from any chain
USDC, USDT, SOL, ETH, BNB or POL on any of six chains — or split one payment across up to three balances. No swapping, no bridging first.
📈 Trading
Grow what you hold
Onchain trading on Solana and BNB Chain with intelligence built in — risk scoring before you buy, automated exits while you sleep, and MEV protection so you keep what you earn. Trade with USDC or USDT and you need no gas token at all.
AI risk analysis
Six live signals — RSI, buy pressure, volume surge, holder concentration, liquidity depth — into one scored verdict with the reasoning shown.
Trailing profit
Follows a run to its peak and exits automatically when price falls back by your set percentage. Works while you sleep.
Copy trading
Mirror proven wallets in real time. Set your amount once; every entry and exit fires into your wallet automatically.
Launch sniper
Instant and limit-order sniping on new launches, with take-profit and stop-loss arming automatically after execution.
MEV protection
Trades route privately instead of through the public mempool. No sandwich attacks, no frontrunning.
BNB Chain too
Trade BNB Chain tokens from the same account, with smart-money signals and take-profit / stop-loss. Holding only USDT? We front the gas.
Under the hood
The part that works while you sleep
Trading is the one thing here that genuinely benefits from automation. Analysis runs continuously, safety checks run before anything executes, and exits fire on their own when a position turns — whether or not you are watching.
- ✓Risk scoring before any entry, not after
- ✓Private routing so trades are not frontrun
- ✓Trailing exits that follow a run to its peak
- ✓Runs continuously, not only when the app is open
kobocent · live engine
analyzeScanning $BONK — pulling live candles…
analyzeRSI(14): 28.4 — oversold confirmed
analyzeBuy pressure 1h: 68% · volume surge +240%
guardHolder concentration: low · top wallet 8.2%
guardLiquidity depth $2.4M · rug-pattern check clear
🌱 Staking to Earn
Put idle money to work
Stablecoins sitting still earn nothing. Stake them and earn up to 14% a year, with earnings accruing to your balance every hour and no lock-up unless you choose one.
Up to 14% APY
On USDC, USDT and SOL. Flexible at 5%, or lock for 7, 30 or 90 days for higher rates.
Hourly accrual
Earnings accrue to your wallet every hour — not monthly, not at the end of a term. Watch it move.
Withdraw on your terms
Flexible staking withdraws anytime. Locked terms return principal plus yield the moment they mature.
Live dashboard
Every position, its rate, days remaining, and daily earnings — all in one view.
Earn $SHIFT alongside
Staking accumulates $SHIFT points ahead of the Q2 2027 token launch target, on top of your yield.
No minimum drama
Start with what you have. The rate is the same whether you stake ten dollars or ten thousand.
Settles across · used from
Six chains. Fifty countries.
EthereumBNB ChainPolygonArbitrumRobinhood ChainSolanaEthereumBNB ChainPolygonArbitrumRobinhood ChainSolanaEthereumBNB ChainPolygonArbitrumRobinhood ChainSolana
NigeriaUnited StatesUnited KingdomJapanChinaKenyaGhanaSouth AfricaIndiaCanadaGermanyUAENigeriaUnited StatesUnited KingdomJapanChinaKenyaGhanaSouth AfricaIndiaCanadaGermanyUAE+ 43 more
Six chains · spend from any of them
Hold crypto anywhere. Spend it here.
Crypto stuck on the wrong chain used to be money you could not spend. Now it is not stuck: pay bills, send to a bank and withdraw straight from Solana, Ethereum, BNB Chain, Polygon, Arbitrum or Robinhood Chain.
EthereumBNB ChainPolygonArbitrumRobinhood ChainSolana
01
Hold it where you like
USDC and USDT on any of the six chains, or SOL, ETH, BNB and POL. One address covers every EVM chain; Solana has its own.
02
Pick “Pay from”
On a bill, a bank transfer or a withdrawal, choose which balance pays. We pick the cheapest one that covers it until you change it.
03
No bridging first
We collect it on its own chain and settle the payment — the naira lands, the bill is paid. Holding only USDT or USDC on BNB Chain, Polygon or Arbitrum? We cover that network fee.
04
Or split it
Not enough in one place? Pay from up to three balances at once, across chains, in a single payment.
Both directions
Bridging, in and out
Most platforms only let crypto flow one way. Kobocent works both. Bridge USDC, USDT or the native coin from Ethereum, BNB Chain, Polygon, Arbitrum or Robinhood Chain into Solana — and bridge your Solana balance out to any of those five, so you can pay someone on whichever network they actually use, or move funds into a platform that only supports one chain.
Into Solana
From any of the five EVM chains — usually a few minutes.
Out of Solana
To Ethereum, BNB Chain, Polygon, Arbitrum or Robinhood Chain.
Or skip it
Most of the time you don’t need to bridge at all — just pay from where it is.
⚠️
Always match the network. When sending from an exchange, pick the same network you selected here (ERC-20 for Ethereum, BEP-20 for BNB Chain, and so on). Sending on the wrong network can lose funds — Kobocent shows you exactly which one to choose before you send.
See it working
Real screens, real transactions
No mockups. Tap the speaker in the player to hear the walkthrough.
Watch a bill get paid and money reach a bank account — just by typing.
Real people, real money
Built for the person, not the chart
Most crypto products are designed for someone staring at candles. Kobocent is designed for someone paying a bill, sending money home, or trying to make savings do something useful.
The details that build trust
Small things that make it feel like a real account
The difference between a crypto tool you try once and a financial account you actually keep money in.
📄
Account statements
Download your full history as a clean PDF — the same thing a bank gives you. Pick 7 days, 30 days, 90 days or everything. Useful for visas, loans, accounting, or just knowing.
Kobocent Statement01–30 Sept
🌱 Yield earned+$4.21
💡 AEDC electricity−₦2,000
🏦 Withdrawal · GTBank−₦81,576
↗ Sent · USD−$120.00
⛽
No gas fees
You don’t need to hold a separate token to move your own money. We sponsor the network fee on payments, bills, withdrawals, stablecoin sends, bridges and USDC/USDT trades — so a wallet holding nothing but stablecoins works. This is the single biggest thing that stops normal people using crypto, and we removed it.
🚫⛽
No gas token needed
⚡
We cover the fee
🎁
A receipt, and money back
Every transfer, bill and withdrawal produces a receipt you can share as proof — and earns 0.2% cashback you can take off your next payment, right on the review screen.
0.2%
back on every payment — spent at checkout
Security
If your phone goes missing, your money doesn’t
Your keys are encrypted, and only you can trigger a transaction. And when something goes wrong, you can stop everything in one tap.
Freeze in one tap
Lost your phone? Freeze from the app, the lock screen, Telegram or Kobo Pal. Every outgoing move stops on every device, at the wallet key itself.
Questions only you can answer
Pick three security questions. They unfreeze your account and reset your PIN. Answers are scrambled before we store them, so nobody at Kobocent can read them.
A PIN that gets stricter
Your PIN or Face ID guards the app and every payment. Too many wrong tries and even the right PIN waits for your security answers.
A safe 24 hours after
For a day after an unfreeze, money can only go to banks and wallets you have paid before. A thief’s new account gets nothing.
A leaked phrase has an answer
Think your recovery phrase got out? Move to a new wallet: brand new keys, and your money moves there by itself, on every chain.
Stop losses still protect you
While frozen, money can still come in, and your stop loss and take profit keep watching your holdings.
A real person when it matters
Forgot your answers? Someone on our team checks details a thief could not guess, and every step is written down.
A freeze stops every move made through Kobocent. Anyone holding your recovery phrase can use it outside Kobocent, so if it leaks, move to a new wallet straight away.
Meet Kobo Pal
Help that knows your account
Kobo Pal is the assistant inside Kobocent, on the web and in Telegram. Ask in plain words — no menus to dig through, no ticket number to wait on.
K
Kobo Pal
Usually replies in seconds
Did my GTBank withdrawal land?
Yes — ₦25,000 reached your GTBank account at 2:14 pm. The receipt is in Activity if you need to share it.
Pay my light bill, same meter as last time
Your AEDC prepaid meter ending 4417 — how much would you like to buy? Your token shows the moment it’s paid.
Example conversation
Knows your account
Ask about a payment and Pal checks your actual activity — what landed, what is pending, the reference.
Remembers for you
Your meter, your usual bank, your goals — so the next payment takes seconds.
A person when you need one
Tap “Talk to a person” and a member of the Kobocent team replies right in the chat. You get a notification.
Pal VIP
Tip Pal from any balance and it runs on a far more capable model: your spending by month, Earn options for idle money, Smart Picks explained with the risks.
Pal will never ask for your recovery phrase or a private key — nobody from Kobocent will. Signals and suggestions are information, not guarantees.
How we give back
Three ways the platform pays you back
Most money apps charge you to move your own money and hand you nothing. Every payment on Kobocent gives something back.
🎁
Cashback you can see
0.2% of every bank transfer, bill and withdrawal comes back to you. When it reaches ₦50, flip “Use cashback” on your next payment and watch the amount you pay drop — or the naira you receive go up — before you confirm.
You pay$12.40$12.31
Cashback used−₦135
🤝
20% commission, for life
Share your link. Every time someone you referred pays a fee — a trade, a bank transfer, a bill, a withdrawal, or staking — you earn 20% of it, paid to your wallet. Not for ninety days. For as long as they keep using Kobocent.
- ✓Paid to your wallet within minutes
- ✓No cap on how much you earn
- ✓Lifetime — not a 90-day window
◆
$SHIFT points
Payments, bills, withdrawals, staking and friends who start transacting all earn $SHIFT points — with weekly, monthly and all-time leaderboards. Early users earn at a 3× multiplier.
3×
Early adopter multiplier
Q2 '27
Token launch target
$SHIFT is a usage-reward point, not a security or an investment product, and carries no guarantee of future value. Launch timing is a target, not a commitment.
Live, not marketing
Built in the open, proven by numbers
Pulled live from the platform every 90 seconds. When a number cannot be fetched we show a dash rather than a guess.
—
People using Kobocent
—
Value moved
—
Transactions
50+
Countries reached
What people say
Used across 50+ countries
From first-timers paying a light bill to traders running automated exits.
“Sold a token, hit withdraw, and the Naira was in my GTBank account before I finished making coffee. No P2P stress.”
K
Kwame A.
Accra, Ghana
“My stablecoins used to just sit there. Now they earn while I wait for setups. The hourly earnings view is oddly satisfying to check.”
S
Sipho M.
Johannesburg, South Africa
“I had USDT stuck on BNB Chain with no easy way to spend it here. Bridged it in, withdrew to my bank the same day. Solved a real problem.”
D
David M.
Nairobi, Kenya
“The risk score saved me from a rug. It flagged holder concentration I completely missed. I check every token through it now.”
R
Ravi P.
Mumbai, India
“The trailing exit caught the top of a run I would definitely have sold too early. It exited at the peak while I was asleep.”
C
Chidi O.
Lagos, Nigeria
“I paid my electricity bill by just typing it in the chat. The token came in seconds. I did not believe crypto could feel this normal until I tried it.”
A
Amara N.
Abuja, Nigeria
“Sold a token, hit withdraw, and the Naira was in my GTBank account before I finished making coffee. No P2P stress.”
K
Kwame A.
Accra, Ghana
“My stablecoins used to just sit there. Now they earn while I wait for setups. The hourly earnings view is oddly satisfying to check.”
S
Sipho M.
Johannesburg, South Africa
“I had USDT stuck on BNB Chain with no easy way to spend it here. Bridged it in, withdrew to my bank the same day. Solved a real problem.”
D
David M.
Nairobi, Kenya
“The risk score saved me from a rug. It flagged holder concentration I completely missed. I check every token through it now.”
R
Ravi P.
Mumbai, India
“The trailing exit caught the top of a run I would definitely have sold too early. It exited at the peak while I was asleep.”
C
Chidi O.
Lagos, Nigeria
Pricing
Free for almost everyone
No subscription to send, spend, save or earn. Each payment shows its fee before you confirm, the network fee is on us, and cashback comes off the next one. The paid plans exist only for traders who want priority execution.
Free
$0forever
Everything most people need
- ✓Buy stablecoins with local currency
- ✓Send across borders
- ✓Withdraw to any bank
- ✓Pay bills, airtime, data, cable
- ✓Spend from any of 6 chains
- ✓Bridge in and out of Solana
- ✓Staking up to 14% APY
- ✓Trading on Solana and BNB Chain
- ✓Kobo Pal, plus a real person when you need one
- ✓20% referral commission
- ✓0.2% cashback, spent at checkout
Most popular
Kobocent Pro
$35/month
Everything for traders, one price
- ✓Everything in Free
- ✓Ultra on every trade — no +3% fee, MEV-protected
- ✓Copy Pro: wallets ranked from real results, no per-trade fee
- ✓Sniper Pro: snipe at your price, no 3% snipe fee
- ✓Smart Money alerts and Alpha Alerts
- ✓$85 bought separately
Or pick one
$20/month each
Just the part you use
- ✓Ultra — Jito-routed, priority inclusion
- ✓Copy Pro — mirror ranked wallets
- ✓Sniper Pro — buy the dip or the breakout
- ✓Pay from any balance, on any chain
What we are building next
The road ahead
Published openly so you can hold us to it. Dates are targets, not promises — we would rather ship late than announce something that is not real.
💳In build
The Kobocent Card
Hold stablecoins, spend in local currency wherever cards are accepted. The balance stays yours until the moment you tap.
🌍Rolling out
More currency corridors
Dollars are live. Pounds, Kenyan Shillings, Yen and Yuan open as each corridor is built and licensed.
📱In build
Native iOS & Android
Face ID and fingerprint unlock, notifications when money lands, and a QR scanner for addresses. The web app installs to your home screen today.
⭐Exploring
Stellar support
Adding Stellar would give us one of the cheapest, fastest settlement rails for cross-border payouts. Under active evaluation.
◆Q2 2027 target
$SHIFT token launch
Points accumulated today convert at launch. Early users earn at a 3× multiplier during this window.
🤝Planned
Business accounts
Multi-user access, approval flows, and bulk payouts for companies paying suppliers or staff across borders.
Questions, answered honestly
Everything you might reasonably ask
Including the parts most platforms leave out — what happens if you send on the wrong network, who holds the keys to your wallet, and what we cannot promise.
A financial account that runs on stablecoin rails. You can buy stablecoins with your local currency, send money to another country, pay bills at home, withdraw to a bank account, trade, and earn on what you are not using. It works on Telegram and on the web at kobocent.com, with iOS and Android apps on the way.
Still stuck? Ask Kobo Pal — or tap “Talk to a person” — a real person from our team will answer.
Install it
Put Kobocent on your home screen
Installs straight from the browser — no app store, no waiting for a review. Works offline for the basics and opens like any other app on your phone.
App Store — coming soon▶ Google Play — coming soon
Money should move as easily as
a message does.
Start on Telegram or start on the web — it is the same account, the same balance, and it stays in sync whichever one you open next.
Free to start · No gas fees · Your keys, your money