Features How it works Why Njiru Join Waitlist
In development • Waitlist open • Nigeria

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

We're building the financial platform for Africans who earn globally. Our goal: receive, store and spend your dollars without forced conversion.

Njiru is in development and not yet live. We do not hold customer funds today. Features, limits and availability will depend on partner and regulatory approval.

Join the Waitlist See How It Will Work
$0
Forced conversion, by design
1
Virtual USD card planned
500
Founding member spots

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, like a mortgage or a loan, many banks struggle to recognise your income.

Njiru is being built to fix that.

💵
Forced Naira conversion
Banks and traditional wallets often 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
Many banks don't understand freelance or remote income, locking you out of mortgages and credit.

What We're Building

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

01
USD Wallet
Planned: receive USD from clients and keep it in dollars, with no forced conversion. You decide if and when to convert.
In development →
02
Virtual USD Card
Planned: a virtual USD card for subscriptions, tools and services online, with controls like freezing it in one tap. Card network and issuing partner to be announced.
In development →
03
Financial Passport
Your international income should count for something. We're designing a way to build a verified income history from the money you earn, shareable, structured and yours. Lender acceptance is our goal, not a guarantee.
Planned →
04
Njiru Intelligence
Your financial co-pilot. Understand your income, track your progress, plan your goals and make smarter decisions in plain language.
Exploring →

How It Will Work

The journey we're building.

1
Sign Up
Create your account with email and phone
2
Verify ID
Verify your identity with your NIN
3
Get Your Wallet
A USD wallet to receive client payments
4
Get Your Card
A virtual USD card linked to your balance
5
Build History
Your income history builds over time, working toward a record lenders can review

Steps, timing and availability may change as we complete partner and regulatory approvals.

Our Approach

Built different.
For a reason.

💵
Alongside apps like Grey & Chipper
Others solve pieces of this problem. We're focused on keeping your money in dollars until you decide otherwise, and building a verified income history alongside it.
🏢
Beyond traditional banks
Many banks struggle with freelance income. We're designing Njiru to give you an income record that lenders can review.
₿
Easier than crypto wallets
USDT can be hard to spend day to day. We're building a card so you can spend your dollars online wherever cards are accepted, subject to issuer rules.
🔒
A history that's yours
The longer you use Njiru, the more complete your verified income record becomes. We're designing it to be shareable and to work for you.

Founding 500

Be part of building this.

We plan to onboard our first 500 founding users before public launch. Founding members help shape the product and get early access once we are ready.

⚡
Early access
Try Njiru before public launch, once the product and our partners are ready.
🎙️
Shape the product
Direct line to the founders. Your feedback decides what we build next.
🔒
Founding member benefits
Founding members will receive preferential terms. Details will be shared before launch.
🌍
Join the community
Connect with other Africans building financial progress from global income.

Join the Waitlist

Join the Founding 500.

We're preparing to onboard our first 500 users. Drop your details and we'll reach out before anyone else.

By joining, you agree that Njiru may store these details to contact you about launch. No spam. Ever. We only reach out when it matters.