Features How it works Why Njiru Join Waitlist
Now accepting waitlist • Nigeria

Your USD.
Keep it. Spend it. Build with it.

The USD wallet built for Nigeria's remote workforce. Receive, store, and spend dollars — without forced conversion.

Join the Waitlist See How It Works
$0
Forced conversion fees
1
Virtual Mastercard
6mo
To mortgage eligibility

The Problem

Nigeria's remote workers earn in dollars but can't bank like it.

You work hard for global clients. Your salary arrives in USD. But the moment it hits your account, Nigeria's financial system forces you to play by Naira rules.

You're losing money on every conversion, every time you want to buy something online. And when you want to build wealth — a mortgage, a loan — no bank recognises your income.

Njiru was built to fix that.

💵
Forced Naira conversion
Banks and traditional wallets convert your USD before you even see it, eating into your earnings.
🚫
No global spending card
Paying for Netflix, AWS, or international tools is a nightmare without a proper USD card.
🏠
Invisible to lenders
Banks don't understand freelance or remote income, locking you out of mortgages and credit.

What You Get

Everything a dollar earner needs.
Nothing you don't.

01
USD Wallet
Receive USD from clients anywhere in the world. Your money stays in dollars — no forced conversion, ever. Watch your wealth grow.
Core feature →
02
Virtual Mastercard
Get a virtual USD Mastercard instantly. Pay for subscriptions, tools, and services globally. Freeze it in one tap if you need to.
Core feature →
03
Income Verification
Njiru automatically builds a verified record of your USD income. After 6 months, generate a certified income certificate for mortgage applications.
Coming soon →

How It Works

From signup to spending in minutes.

1
Sign Up
Create your account with email and phone
2
Verify ID
Quick NIN verification in under 5 minutes
3
Get Your Wallet
Receive a USD account to share with clients
4
Get Your Card
Instant virtual Mastercard tied to your balance
5
Build History
6 months = mortgage-ready verified income record

Why Njiru

Built different.
For a reason.

💵
vs Grey & Chipper
They convert your USD. We don't. Your money stays in dollars until you decide otherwise.
🏢
vs Traditional Banks
Banks reject freelance income. Njiru was designed to prove it — and make banks accept it.
₿
vs Crypto Wallets
USDT is hard to spend. Our Mastercard works everywhere, accepted by every merchant online.
🔒
The lock-in that benefits you
After 6 months, your Njiru income history becomes your mortgage qualification. We make sure you never want to leave.

Join the Waitlist

Be first when we launch.

We're onboarding our first 500 users later this year. Drop your details and we'll reach out before anyone else.

No spam. Ever. We only reach out when it matters.