Save in dollars.
Spend in Naira.
Just text.
ZendPay is the money assistant inside Telegram. For individuals and businesses across Africa. No app. No crypto jargon.
Now in open beta · @zend_money_bot
Moving money in Africa is still too hard.
ZendPay fixes all three.
VoiceHold the mic. Talk. Done.
Send money, pay a bill, or save in dollars using your voice. ZendPay understands plain language. No commands to memorise.
Your savings shouldn't shrink while you sleep.
Every Naira converts to stable dollars. ZendFlex keeps it flexible. ZendVault locks it and earns up to 10% APY. Both beat a Naira savings account.
See how savings work →Receive from 20+ countries. On 9 networks.
Friends abroad? Get paid in their currency. Crypto-native? Pick any network. ZendPay converts and delivers to your balance.
“It arrived before I finished making tea. I've stopped second-guessing whether transfers will work.”
“My salary now sits in dollars. I see the number stay the same — that alone changed how I think about money.”
“I sent ₦5,000 with a voice note while on okada. That was the moment I deleted three other apps.”
Running a business? ZendPay works for you too.
ZendPay Business is coming — invoicing, multi-currency collection, and automatic reconciliation inside the same Telegram bot. No domiciliary account.
ZendPay Business · Launching soon
Invoice #0044PaidInvoice #0044PaidThree steps. Every time.
Search @zend_money_bot and type /start. Ready in under 2 minutes.
Plain language. 'Send 5k to Emeka.' 'Save my salary.' ZendPay understands.
See the fee and destination before anything moves. One tap. Done.
Simple for you. Serious behind the scenes.
Dollar balance in audited stable assets.
Every Naira transaction through licensed Nigerian rails.
ZendPay never holds your funds.
You see the exact cost before confirming.
Built with the teams moving money on-chain.
ZendPay works alongside infrastructure, intent, and payment partners across crypto and African fintech.
Ready to send money the easy way?
Open the bot. Under a minute.
Open ZendPay in Telegram →@zend_money_bot