Straight answers to the questions we hear most.

BAJJPAY is a liquidity provider for businesses. We price and settle crypto and FX trades as a principal: you ask for a price, we quote it firm, and we settle the trade the same business day. Our clients are merchants, fintechs, corporates and OTC desks that need to move and convert funds reliably.

No. BAJJPAY is not a consumer exchange and does not offer retail trading, speculation or custody products. We provide liquidity and settlement to businesses and professional counterparties, with every relationship onboarded and documented before the first trade.

We price USD, EUR, GBP and NGN alongside USDT and USDC, with particular depth in flow into and out of Nigeria. Whether we can support a specific corridor or entity depends on onboarding; the quickest way to find out is to tell us what you need.

A firm quote is a price you can execute in full, for the whole size you asked for, for the period stated on the quote. If you accept within that window, that is the price you settle at. There are no partial fills and no requotes after acceptance.

Pricing reflects the size, regularity and direction of your flow and is quoted all-in. Fees are agreed in your terms before you trade and shown on every quote, so the price you accept is the price you settle at. We do not publish a public rate card, because a rate card cannot reflect real size.

BAJJPAY trades as a principal. When you request a price, a dealer quotes it against our own book and settlement capacity rather than routing your order to a public venue. That is why the price is firm and why settlement is coordinated by the same desk that priced the trade.

Yes. Recurring requirements, such as a weekly conversion or a scheduled wallet top-up, can be priced on a standing basis with your dealer, then executed and settled on the agreed cadence.

USDT and USDC, against USD and NGN. Other digital assets can be discussed with your dealer, but stablecoins are what the desk is built around.

Settlement is to a wallet address you nominate in your portal, on a network agreed with your dealer during onboarding. Addresses are verified before first use and every on-chain leg is tracked through network confirmation.

No. BAJJPAY is not a custodian. Settlement moves assets between your nominated wallet or bank account and ours as part of a trade. Nothing is held on your behalf between trades.

USD, EUR, GBP and NGN. The pairs we quote include USD, EUR and GBP against NGN, and GBP and EUR against USD. Other corridors can be discussed with your dealer.

Yes. Flow into and out of Nigeria in NGN, against USD, EUR, GBP, USDT and USDC, is a core part of what the desk does. Settlement is to bank accounts you have nominated and we have verified.

No. Every price is quoted at the time of dealing, for the size you are actually doing. Publishing a rate that cannot be executed in size would not be useful to a business, so we do not.

The desk is built for businesses moving regular volume, but smaller and one-off currency exchange requirements can be discussed with the desk. Pricing is quoted per transaction, and whether we can help depends on onboarding. Tell us the amount and corridor through the contact page.

When you request a quote you choose settlement timing: same-day, standard or scheduled to a value date. Once you accept and fund your leg, BAJJPAY releases the other side on the agreed rail the same business day. Each leg moves through a small number of clearly explained stages that you can see in your portal.

Over bank rails, to an account you have nominated in your portal and we have verified. Each leg carries a reference that appears on your statement and on your confirmation, so it can be reconciled without manual matching.

From the settlement accounts area of your portal. Bank accounts and wallet addresses are added by someone with the right permission in your organisation, verified before first use, and one can be set as the default for each entity.

Awaiting funds: the delivering side is funding its leg. Compliance review: the counterparty and source of funds are being cleared. Funds received: receipt is confirmed and the release is queued. Release instructed: funds have been sent on the agreed rail and are with the bank or the network. Completed: settled in full and confirmed. If a settlement fails or is reversed, the reason is recorded against it.

Businesses and professional counterparties: merchants, fintechs and payment providers, corporates and OTC desks or brokers. Every client goes through corporate verification before trading. The desk is not a retail product, although smaller exchange requirements can be discussed on a case-by-case basis.

Requests for quote and quote acceptance, a trade blotter, settlement tracking, nominated settlement accounts, a treasury view of exposure, team roles and permissions, approval bands and transaction limits, document uploads, notifications and alerts, and support tickets to your desk.

Start by telling us what you need through the contact page. A dealer reviews every enquiry and comes back with an indication of where we can price you. Onboarding then covers corporate verification, terms and settlement instructions before the first trade.

Yes. An organisation can have owners, administrators, traders, finance, operations, compliance and view-only users, each with the permissions their role needs. Larger tickets can require more than one approver.

You describe the asset, side, size and preferred settlement timing to your dealer. Settlement instructions are agreed first, then the full block is priced as one firm quote. Your approvers accept, funds are exchanged in the agreed sequence, and both legs are confirmed in writing.

OTC handling is for tickets large enough that execution needs a conversation rather than a screen. There is no published minimum; your dealer will tell you whether a given size is better handled OTC or through a standard request for quote.

Corporate verification of your entity, its ownership and the people who will act for it, along with agreed terms, limits and settlement instructions. The desk reviews documents you upload through your portal and confirms when the entity is approved to trade.

Typically: incorporation documents, details of directors and beneficial owners, proof of the settlement accounts you will use, and where relevant, proof of source of funds for particular trades. Your dealer will confirm the exact list for your entity type.

Every settlement passes through a compliance review before funds are released, where the counterparty and source of funds are confirmed against what was agreed at onboarding. For established relationships this is usually quick, and the stage is shown so you always know where a settlement is.

By people in your own organisation, according to roles and approval bands you set. A request for quote, a quote acceptance and a settlement account change can each require specific permissions, and tickets above a threshold can require more than one approver before they proceed.

Access to the portal is by verified email and password, with a notification sent on every new sign-in. Documents you upload are held in private, access-controlled storage and are visible only to your organisation and the desk staff who review them. Actions in the portal and on the desk are recorded in an audit log.

Funds only move to accounts and wallets you have nominated and we have verified. Releases on our side require the settlement to have passed compliance review and, for larger amounts, more than one member of the desk. Every leg is confirmed in writing with a reference.