Which networks does each Nigerian crypto app support?

Busha, Daya Coins, Luno, Quidax and Roqqu don't support the same networks. Tron is the only one Busha, Luno, Quidax and Roqqu all carry for USDT, and for USDC there's no network all four share. On Daya Coins you buy from your own naira balance, so buying doesn't start with a network choice.

Daya Coins charges no network fee on your side, against 1 to 5 USDT to send USDT out of Busha and about $1 to $3 in gas at Roqqu. Gas is the fee the blockchain itself charges to move a coin, and it's separate from anything the app charges you.

Picking the wrong network is the single most expensive mistake in buying and selling stablecoins in Nigeria, because the money doesn't bounce back. This is the per-app version of that question: which networks each Nigerian app actually supports, and what each one charges you to use them.

Which networks does each Nigerian crypto app support?

Four Nigerian apps publish a network list, and no two lists match. Quidax carries the widest set for both USDT and USDC, five networks each. Luno carries the narrowest: Ethereum only for USDC, and Ethereum plus Tron for USDT, with Tron limited to customers verified in Nigeria. Every list below is from the app's own published pages, read on 22 October 2026.

One thing that table can't show, and it catches people on Quidax: supporting a coin isn't the same as letting you move it. Quidax lists 48 of its 81 assets as trade only, which means you can buy and sell them inside the app and can't deposit or withdraw them on any network at all. USDT and USDC are both fully transferable, so this is a problem for smaller coins rather than for stablecoins.

Busha has a smaller version of the same trap. It lists MATIC as neither depositable nor withdrawable, while POL, the token that replaced MATIC, is both. If you're sending the old token you'll have nowhere to put it.

Which network works on all of them?

Tron, also written TRC20, is the only network all four exchanges carry for USDT. Busha, Luno, Quidax and Roqqu each support it, though Luno restricts USDT on Tron to customers verified in Nigeria and to app version 8.77.0 or higher, and says it can sometimes be temporarily unavailable. For USDC there's no network that all four share.

Tron being the common network is awkward, because it's also the most expensive way to send USDT on two of the four. Busha's two pages put Tron at 3 or 5 USDT against 1 or 2 on BNB Smart Chain, and Quidax's published range tops out at 5 USDT without saying which network sits where. So the network most likely to work on both ends is often the one that costs you most.

If both ends support it, BNB Smart Chain is usually the cheaper route between Nigerian apps, and Base is the cheapest published route for USDC at 0.1 USDC out of Busha. Neither works everywhere, which is the whole problem.

What does each app charge to send USDT or USDC out?

Between nothing and 5 USDT, depending on the app and the network. Daya Coins charges no network fee on your side. Busha charges 1 to 5 USDT by network, Quidax 0.5 to 5 USDT without breaking it down, Roqqu about $1 to $3 in gas, and Luno $0.90 flat on Tron with a fee on Ethereum that moves with the network.

Busha states its USDT send fees two different ways on two of its own pages, and the gap matters. Its developer documentation gives 3 USDT on Ethereum, 1 on BNB Smart Chain, 3 on Tron and 1 on Solana. Its help centre, dated 4 May 2026, gives 2, 2, 5 and 2 for the same four networks. On Tron that is 3 USDT against 5. Read the fee the app quotes you on the confirmation screen before you send, because Busha's own two pages don't agree on it.

Worth keeping all of this in proportion, though. On a ₦1,000,000 purchase of USDT, one per cent of difference in the rate you are quoted is ₦10,000, which is larger than every send fee in that table put together. daya.co/coins says it plainly about Daya: there is no buy fee, no sell fee, no withdrawal fee and no network fee on your side, and Daya makes its money on the spread built into the rate you see. That is true of every app here, whether or not it says so. So quote the same trade in two apps and compare the coins you actually receive.

Does any app take deposits on a network it won't let you withdraw on?

None of the four publishes one. Busha is the only app of the set that has separate deposit and withdrawal columns at all, and it sets them per coin rather than per network, with USDT and USDC allowed in both directions. Quidax uses one network column covering both directions. Luno states explicitly that its Tron restriction applies to sending and receiving alike.

What they do publish is a different set of restrictions, and these catch more people than a one-way network would:

• Quidax: 48 of its 81 assets are trade only, so they can't be moved in either direction on any network.
• Busha: MATIC can't be deposited or withdrawn, while POL can be.
• Luno: USDT on Tron needs Nigerian verification and app version 8.77.0 or higher, and can be temporarily switched off.
• Luno again, and this is the big one: your verification level can block sending entirely. The next section covers it.

Why might you be unable to send crypto from Luno at all?

Because of your verification level, not the network you picked. Luno's own help centre says that Level 1 verified Nigerian customers can deposit and withdraw naira by voucher and can buy crypto, and that in exchange they can't send crypto out at all. Sending needs a higher verification level, and Luno says the ability returns about 24 hours after that verification completes.

So somebody in Nigeria can open a Luno account, fund it, buy USDT, and only find out at withdrawal time that sending is switched off for them. None of the network information above helps if that's the situation you're in, so check your verification level before you plan a transfer out of Luno.

Luno's naira withdrawal fee is also worth checking in the app rather than on a page. Its Nigeria fee table gives ₦300 excluding VAT, the explanatory text on the same article gives ₦500 excluding VAT, and its Flutterwave withdrawal article gives 2% capped at ₦2,000. Those are three different figures and one of them is a different fee structure, so take the number the app shows you at the point of withdrawal. The Quidax and Luno comparison goes through both apps in more detail.

Where does Daya Coins fit?

On Daya Coins you buy from your own Daya naira account, with no peer-to-peer step and no network to choose on the way in. daya.co/coins states there is no buy fee, no sell fee, no withdrawal fee and no network fee on your side. Selling works the same way round: you sell in the app and the naira goes to a Nigerian bank account.

That matters for this article for one reason. Every mistake described above happens at the moment somebody picks a network, and buying on Daya Coins doesn't ask you to pick one. Nor does selling back to naira.

Where Daya Coins isn't the pick: if the whole point is to move coins to a wallet or to an exchange you already use, you're choosing a network either way, and an app with a per-network fee list lets you cost that send before you make it. Daya Coins is the better route when the money is going from naira into a coin and back to naira again, which for most people in Nigeria is what it's doing.

Can you still move naira through Binance?

No. Binance ended its naira services in March 2024 and hasn't brought them back. Its own announcement sets out the dates: NGN deposits stopped after 5 March, NGN Auto-Invest and naira on Binance Pay on 6 March, the BTC/NGN and USDT/NGN spot pairs on 7 March, and NGN withdrawals after 8 March. Leftover naira balances were auto-converted to USDT at ₦1,515.13.

So whatever networks Binance supports, it isn't a naira route for somebody in Nigeria, which is why it isn't in the tables above.

What should you check before you send?

Five things, in this order, and the first two are where the money actually goes missing:

1. The network on both ends. The sending app and the receiving app have to support the same one for the same coin. Ethereum for USDC out of Luno, Base for USDC into Roqqu, and the two don't meet.
2. Whether the receiving side accepts deposits of that coin at all, not just that network. A trade-only asset has nowhere to land.
3. The fee on the confirmation screen rather than the fee on a pricing page. Busha's two pages disagree by 2 USDT on Tron, and Luno's Ethereum fee moves with the network.
4. Your verification level, if you are on Luno, because Level 1 in Nigeria can't send crypto out at all.
5. The minimum. Luno requires at least $10 of USDT on a Tron send, and the other three publish no per-network minimum.

If you've already sent on the wrong network, that's a separate question with a separate answer, and sometimes a recoverable one: here is what to do about a wrong-network send. And if you are choosing between two of these apps rather than moving coins between them, the Busha and Roqqu comparison covers what each one leaves out.