A US dollar account.
Account and routing details in your own name. Share them with a client, or use them to withdraw from Upwork, Deel, Payoneer and anywhere else that pays into a US bank account.
Clients pay in dollars. You receive all of it.
Daya Borders gives you US dollar account details to put on your invoice, a free virtual dollar card to spend with, and 0% taken from anything that lands.
- Receiving fee
- $0.00
- Lands in your balance
- $1,000.00
- Convert to naira
- ₦1,364,480
- $1 = ₦1,364.48 · Updated 2 Sep 2026, 12:57 WAT · Indicative rate
You keep$1,000.00
Converts to ₦1,364,480. You keep $1,000.00.
Partners
3 things your current app probably charges you for
0% on money coming in.
We take nothing from an incoming dollar payment. If a client sends $1,000, your wallet balance goes up by $1,000.
A free virtual dollar card.
Create a virtual dollar card at no cost and spend online. Use your Daya Borders balance for supported online USD payments.
Once it lands, it is yours to move.
Cash out to naira.
Convert and withdraw to any Nigerian bank account.
Spend it.
Use your virtual dollar card for online payments.
Send it on.
To an international bank account, a USDC/USDT wallet, or another Daya user.
How to get set up
Step 1. Open your account.
Download the app, sign up, and complete verification with your BVN or NIN.
Step 2. Share your dollar details.
Put them on an invoice, or add them to Upwork, Deel or Payoneer as your withdrawal account.
Step 3. Get paid, then move it.
Spend on your card, send it to another wallet, or cash out to naira.
Made for people who get paid by the rest of the world
Freelancers and contractors.
Design, dev, writing, consulting. Invoice in dollars, get paid like a local.
Remote employees.
Salary from a company abroad, into an account that holds dollars.
Creators.
Platform payouts, sponsorships and brand deals from outside Nigeria.
Licences
- IMTOCBN, Nigeria
- NRSCBN VASP Sandbox, Nigeria
- MSBCanada
Frequently Asked Questions
- Do I need a registered business?
- No. Daya Borders is for individuals. If you have a registered company and need team access or supplier payments, Daya Business is the better fit.
- Which countries can my clients pay me from?
- Any of them. You get US dollar account details, so anyone who can pay into a US bank account can pay you.
- Can I receive USDC or USDT?
- Yes. Send it to your account and it arrives as dollars in your balance.
- Can I send money out to a crypto wallet?
- Yes. You can send to a USDC or USDT wallet, to an international bank account, or to another Daya user.
- Is my money held in dollars or converted automatically?
- It stays in dollars until you convert it.
- What is the difference between Borders and Business?
- Borders is for you as an individual. Business is for a registered company, with business verification and supplier payment needs.
Stop paying to get paid.