Bill payments
Pay electricity, airtime, data, cable TV, internet, betting, education, flights, and other everyday expenses.
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Crypto payments for everyday life
KivoraPay
KivoraPay is the spending layer for crypto. It closes the gap between having digital assets and being able to use them for ordinary needs.
500+
Registered users
200+
Transactions completed
₦1.5M+
Transaction volume
10+
Merchant accounts
Why I built it
The story behind KivoraPay.
I was already earning and transacting in crypto when I tried to pay a normal electricity bill. The money was in my wallet, but I still had to find a trader, negotiate a rate, wait for a transfer, and accept that the final amount could change.
The money was available, but it could not move directly to where I needed it. KivoraPay grew from that simple problem. Crypto should be useful beyond holding and trading.
The problem
Millions of people receive or hold crypto, yet everyday spending still depends on slow conversions, uncertain rates, and extra intermediaries. The experience becomes especially difficult when a bill is urgent.
The answer
KivoraPay connects supported crypto assets to bills, invoices, payment links, merchant sales, and bank payouts through one clear experience.
What it offers
How the product works.
The product is designed around clear, practical actions for the people it serves.
Crypto invoices
Create an invoice, lock the amount, share the payment link, and receive an automatic payment confirmation.
Payment links
Receive supported crypto through a personal or business payment link without building a checkout.
Merchant stores
Create a storefront, list products, accept orders, manage stock, and receive crypto payments.
Balance and direct payment
Fund a KivoraPay balance or complete a supported payment directly through an invoice.
Business tools
Use product uploads, cashier payment codes, invoices, order updates, and bank payouts from one account.
Who it serves
- Crypto earners
- Freelancers
- Remote workers
- Merchants
- Small businesses
- People receiving international payments
How it earns
- Transaction fees on crypto bill payments
- Merchant subscriptions for advanced store tools
- Fees on selected payment and payout services
- Future card and business payment services
Current priorities
- Improve reliability across every bill category
- Grow merchant tools and business adoption
- Strengthen compliance and operational systems
- Expand customer acquisition and support
- Continue card product development
Product recordings
See KivoraPay in use.
These short recordings show real product flows instead of asking you to imagine how the platform works.
Crypto invoice flow
Wallet funding flow
Bill payment flow
The current raise
$500K
Funding for the next stage of product and market growth
Seed
Round stage
$2.5M
Valuation cap
Delaware
United States company
18 months
Planned runway
40%
Product and engineering
30%
Growth and acquisition
20%
Operations and compliance
10%
Reserve
Support KivoraPay
Start with a real conversation about the business.
You can ask questions, discuss support, explore a partnership, or book time to understand the product more deeply.
Useful forms of support
- Seed investment
- Fintech and compliance expertise
- Distribution partnerships
- Merchant introductions
- Product and infrastructure partnerships
Information on this page is provided for general discussion. It is not investment advice or a public offer.