Wallet, payouts, and Xernee Coins.
Receive sales into your wallet, withdraw to bank, or hold value in Xernee Coins — all built into the same app.
Multi-channel checkout
Cards, bank transfers, USSD, and dedicated virtual accounts via Paystack. Buyers pick what works for them.
Wallet that just works
Sales settle into your in-app wallet. Withdraw to your linked bank account when you’re ready, with PIN or biometric confirmation.
PIN, OTP & biometrics
Every withdrawal is gated by a 4-digit PIN, an OTP, and (optionally) Face ID / fingerprint. App-lock keeps the whole app private.
Coins for peer-to-peer
Xernee Coins are an internal balance you can buy in packs, send to other users, or cash out — handy when bank rails are slow.
Xernee Coins · 1 coin = ₦100
Buy coins from the wallet, send them to other Xernee users, or convert back to naira at any time. Useful for tipping, gifting, and quick peer-to-peer transfers.