“I paid my electricity bill by just typing it in the chat. The token came in seconds. I did not believe crypto could feel this normal until I tried it.”
A
Amara N.
🇳🇬 Abuja, Nigeria
Multichain · powered by stablecoins
Your local kobo,
working globally.
Buy stablecoins with your local currency. Send money to another country in minutes. Pay bills at home, withdraw to your bank, trade what you hold, and earn up to 14% on what sits still. One account, one balance — on Telegram or on the web.
No gas feesNon-custodialWithdraw to any bank0.2% cashback
Kobocent
9:41Total balance
$1,926.00
≈ ₦3,174,048 · earning 14% on $250
↗
Send
＋
Add money
🌱
Earn
🏦
Withdrawal · GTBank
2 min ago
−₦81,576
💡
AEDC electricity
Token delivered
−₦2,000
🌱
Yield earned
Accrued hourly
+$4.21
Corridor rates · indicative
USD → NGN₦1,648
GBP → NGN₦2,090
USDC → NGN₦1,648
NGN → USDC$1 / ₦1,652
USD → KESKSh 129soon
USD → GHS₵ 15.2soon
USD → JPY¥ 156soon
USD → CNY¥ 7.24soon
USD → NGN₦1,648
GBP → NGN₦2,090
USDC → NGN₦1,648
NGN → USDC$1 / ₦1,652
USD → KESKSh 129soon
USD → GHS₵ 15.2soon
USD → JPY¥ 156soon
USD → CNY¥ 7.24soon
Money that actually moves
From where you are to wherever it needs to go
Stablecoins are the rail. You never have to think about them — you just see money leave one place and arrive in another.
🇳🇬Naira
buy USDC, then send
🇺🇸US Dollars
Pay a supplier, a tuition fee, or family abroad.
🇳🇬Naira
buy USDC, then send
🇯🇵Japanese Yen
Settle an import invoice without a correspondent bank.
🪙USDC / USDT
withdraw as
🏦Naira in your bank
200+ Nigerian banks. Minutes, not days.
⛓️ETH, BNB, MATIC
bridge, then spend as
💡Electricity or airtime
Crypto you already hold, paying a real bill at home.
🇳🇬Naira
buy USDC, then send
🇬🇧British PoundsSoon
Same rails, same speed.
🇳🇬Naira
buy USDC, then send
🇰🇪Kenyan ShillingsSoon
East Africa corridor opening next.
Getting started
Four steps, about two minutes
No exchange account. No KYC wall before you can look around. No wallet extension to install.
01
Create your account
Sign up with your phone number or email. A non-custodial wallet is created for you in the background — no seed phrase to memorise before you have even seen the product.
02
Add money
Buy stablecoins with Naira through a bank transfer, or bring crypto in from any chain you already use. Dollars, Pounds and Shillings are next.
03
Do the thing you came for
Send it abroad, pay a bill, withdraw to a bank, trade it, or stake it. Everything runs off the same balance.
04
Keep it in sync
Link Telegram and the same account follows you there. Start something on the web, finish it in chat — or the other way round.
How the money actually travels
One stablecoin, every destination
This is the engine underneath everything else. You buy a stablecoin once with the money you already have, and from there it can go out to any chain we support — or land as local currency in someone else's bank account.
🏦
01
Pay in your own currency
Transfer Naira from your bank. Dollars, Pounds and Kenyan Shillings are next in line.
🪙
02
It becomes a stablecoin
You receive USDC, issued on Solana — fast to settle and cheap to move. You do not have to know or care that this happened.
⛓️
03
Move it anywhere it needs to be
Bridge that same balance out to Ethereum, BNB Chain, Polygon, Arbitrum or Robinhood Chain — whichever network the person or platform on the other side uses.
🌍
04
It lands as real money
Pay a supplier in Dollars today. Yuan, Yen and more as each corridor opens. Or send it straight back into a bank account.
Money in
- →Naira via bank transfer — live today
- →Crypto from 6 chains, native or stablecoin
- →Dollars, Pounds, Kenyan Shillings — next
Money out
- →Bridge out to any supported chain
- →Withdraw as Naira to 200+ banks
- →Pay bills, airtime, data, cable directly
- →Send to a person in another country
💳 Spending & Sending
Turn crypto into real-life money
Buy stablecoins with your local currency, send value across borders, pay bills at home, or withdraw straight to a bank account. No P2P traders, no exchange account, no waiting days.
Buy stablecoins with local currency
Fund with Naira today — Dollars, Pounds and Kenyan Shillings coming next. Money lands as USDC you can actually use.
Send across borders
Move value to someone in another country in minutes. They receive what you sent, not what a middleman decided to leave.
Withdraw to any bank
Cash out to 200+ Nigerian banks. Settlement in minutes, not days. No P2P counterparty risk.
Pay bills directly
Electricity, airtime, data, cable TV — paid from your stablecoin balance. Meter tokens arrive instantly.
Type it in plain words
"Send 5000 to GTBank 0123456789" — Kobocent reads the intent, verifies the account name, and executes.
Combine USDC and USDT
One transaction can settle from both balances. No manual swapping, no bridging first.
📈 Trading
Grow what you hold
Full onchain trading with intelligence built in — risk scoring before you buy, automated exits while you sleep, and MEV protection so you keep what you earn.
AI risk analysis
Six live signals — RSI, buy pressure, volume surge, holder concentration, liquidity depth — into one scored verdict with the reasoning shown.
Trailing profit
Follows a run to its peak and exits automatically when price falls back by your set percentage. Works while you sleep.
Copy trading
Mirror proven wallets in real time. Set your amount once; every entry and exit fires into your wallet automatically.
Launch sniper
Instant and limit-order sniping on new launches, with take-profit and stop-loss arming automatically after execution.
MEV protection
Trades route privately instead of through the public mempool. No sandwich attacks, no frontrunning.
Perps up to 5x
Long or short with leverage, position management, and the same protection as spot.
Under the hood
The part that works while you sleep
Trading is the one thing here that genuinely benefits from automation. Analysis runs continuously, safety checks run before anything executes, and exits fire on their own when a position turns — whether or not you are watching.
- ✓Risk scoring before any entry, not after
- ✓Private routing so trades are not frontrun
- ✓Trailing exits that follow a run to its peak
- ✓Runs continuously, not only when the app is open
kobocent · live engine
waiting for signal…
🌱 Staking to Earn
Put idle money to work
Stablecoins sitting still earn nothing. Stake them and earn up to 14% a year, with earnings accruing to your balance every hour and no lock-up unless you choose one.
Up to 14% APY
On USDC, USDT and SOL. Flexible at 5%, or lock for 7, 30 or 90 days for higher rates.
Hourly accrual
Earnings accrue to your wallet every hour — not monthly, not at the end of a term. Watch it move.
Withdraw on your terms
Flexible staking withdraws anytime. Locked terms return principal plus yield the moment they mature.
Live dashboard
Every position, its rate, days remaining, and daily earnings — all in one view.
Earn $SHIFT alongside
Staking accumulates $SHIFT points ahead of the Q1 2027 token launch, on top of your yield.
No minimum drama
Start with what you have. The rate is the same whether you stake ten dollars or ten thousand.
Settles across · used from
Six chains. Fifty countries.
EthereumBNB ChainPolygonArbitrumRobinhood ChainSolanaEthereumBNB ChainPolygonArbitrumRobinhood ChainSolanaEthereumBNB ChainPolygonArbitrumRobinhood ChainSolana
🇳🇬Nigeria🇺🇸United States🇬🇧United Kingdom🇯🇵Japan🇨🇳China🇰🇪Kenya🇬🇭Ghana🇿🇦South Africa🇮🇳India🇨🇦Canada🇩🇪Germany🇦🇪UAE🇳🇬Nigeria🇺🇸United States🇬🇧United Kingdom🇯🇵Japan🇨🇳China🇰🇪Kenya🇬🇭Ghana🇿🇦South Africa🇮🇳India🇨🇦Canada🇩🇪Germany🇦🇪UAE+ 43 more
Six chains · one balance
Hold crypto anywhere. Use it here.
Crypto stuck on the wrong chain is money you cannot spend. Bring it in from any chain we support — and send it back out to whichever chain the other side actually uses.
EthereumBNB ChainPolygonArbitrumRobinhood ChainSolana
01
Pick your chain and asset
Choose where your crypto lives today and whether it is a native token or a stablecoin.
02
Send to your address
One address works across every EVM chain we support. Pick the matching network when you send.
03
It becomes spendable
Whatever you send converts into stablecoin you can actually use — usually within minutes. Gas is handled for you.
04
Spend, send, or withdraw
Pay a bill, send it abroad, withdraw to a bank, trade it, or stake it. Same balance, all options open.
Both directions
Bridging out, not just in
Most platforms only let crypto flow one way. Kobocent works both. Buy a stablecoin with Naira, and that same balance can be bridged out to Ethereum, BNB Chain, Polygon, Arbitrum or Robinhood Chain — so you can pay someone on whichever network they actually use, or move funds into a platform that only supports one chain.
Buy with local currency
Naira today. Dollars, Pounds, Shillings next.
Held as stablecoin
Issued on Solana — fast and cheap to move.
Bridge out anywhere
To any of the six chains, whenever you need to.
⚠️
Always match the network. When sending from an exchange, pick the same network you selected here (ERC-20 for Ethereum, BEP-20 for BNB Chain, and so on). Sending on the wrong network can lose funds — Kobocent shows you exactly which one to choose before you send.
See it working
Real screens, real transactions
No mockups. Tap the speaker in the player to hear the walkthrough.
Watch a bill get paid and money reach a bank account — just by typing.
Real people, real money
Built for the person, not the chart
Most crypto products are designed for someone staring at candles. Kobocent is designed for someone paying a bill, sending money home, or trying to make savings do something useful.
The details that build trust
Small things that make it feel like a real account
The difference between a crypto tool you try once and a financial account you actually keep money in.
📄
Account statements
Download your full history as a clean PDF — the same thing a bank gives you. Pick 7 days, 30 days, 90 days or everything. Useful for visas, loans, accounting, or just knowing.
Kobocent Statement01–30 Sept
🌱 Yield earned+$4.21
💡 AEDC electricity−₦2,000
🏦 Withdrawal · GTBank−₦81,576
↗ Sent · USD−$120.00
⛽
No gas fees, ever
You never need to hold a separate token just to move your own money. We sponsor the network fee ourselves — so a wallet holding nothing but stablecoins still works perfectly. This is the single biggest thing that stops normal people using crypto, and we removed it.
🚫⛽
No gas token needed
⚡
We cover the fee
🎁
0.2% cashback, with a receipt
Every transaction gives something back — and every one produces a receipt you can actually keep. Most platforms charge you to move your money and hand you nothing. We do the opposite.
0.2%
back on every single transaction
Earn beyond the balance
Two ways the platform pays you back
🤝
20% commission, for life
Share your link. Every time someone you referred generates a fee, you earn 20% of it — paid automatically, instantly, with no cap and no expiry date. Not for ninety days. For as long as they keep using Kobocent.
- ✓Paid instantly, not monthly
- ✓No cap on how much you earn
- ✓Lifetime — not a 90-day window
◆
$SHIFT points, ahead of launch
Every transaction you make accumulates $SHIFT points. The token generation event is targeted for Q1 2027, and early users earn at a 3× multiplier during this window — simply for using the product you were going to use anyway.
3×
Early adopter multiplier
Q1 '27
Target launch window
$SHIFT points are a usage-reward mechanism, not a security or an investment product, and carry no guarantee of future value. Launch timing is a target, not a commitment.
Live, not marketing
Built in the open, proven by numbers
Pulled live from the platform every 90 seconds. When a number cannot be fetched we show a dash rather than a guess.
—
People using Kobocent
—
Value moved
—
Transactions
50+
Countries reached
What people say
Used across 50+ countries
From first-timers paying a light bill to traders running automated exits.
“Sold a token, hit withdraw, and the Naira was in my GTBank account before I finished making coffee. No P2P stress.”
K
Kwame A.
🇬🇭 Accra, Ghana
“My stablecoins used to just sit there. Now they earn while I wait for setups. The hourly earnings view is oddly satisfying to check.”
S
Sipho M.
🇿🇦 Johannesburg, South Africa
“I had USDT stuck on BNB Chain with no easy way to spend it here. Bridged it in, withdrew to my bank the same day. Solved a real problem.”
D
David M.
🇰🇪 Nairobi, Kenya
“The risk score saved me from a rug. It flagged holder concentration I completely missed. I check every token through it now.”
R
Ravi P.
🇮🇳 Mumbai, India
“The trailing exit caught the top of a run I would definitely have sold too early. It exited at the peak while I was asleep.”
C
Chidi O.
🇳🇬 Lagos, Nigeria
“I paid my electricity bill by just typing it in the chat. The token came in seconds. I did not believe crypto could feel this normal until I tried it.”
A
Amara N.
🇳🇬 Abuja, Nigeria
“Sold a token, hit withdraw, and the Naira was in my GTBank account before I finished making coffee. No P2P stress.”
K
Kwame A.
🇬🇭 Accra, Ghana
“My stablecoins used to just sit there. Now they earn while I wait for setups. The hourly earnings view is oddly satisfying to check.”
S
Sipho M.
🇿🇦 Johannesburg, South Africa
“I had USDT stuck on BNB Chain with no easy way to spend it here. Bridged it in, withdrew to my bank the same day. Solved a real problem.”
D
David M.
🇰🇪 Nairobi, Kenya
“The risk score saved me from a rug. It flagged holder concentration I completely missed. I check every token through it now.”
R
Ravi P.
🇮🇳 Mumbai, India
“The trailing exit caught the top of a run I would definitely have sold too early. It exited at the peak while I was asleep.”
C
Chidi O.
🇳🇬 Lagos, Nigeria
Pricing
Free for almost everyone
Sending, spending, saving and earning cost nothing beyond the network's own transaction fees. The paid tiers exist only for high-frequency traders who want priority execution.
Free
$0forever
Everything most people need
- ✓Buy stablecoins with local currency
- ✓Send across borders
- ✓Withdraw to any bank
- ✓Pay bills, airtime, data, cable
- ✓Bridge across all 6 chains
- ✓Staking up to 14% APY
- ✓Full trading suite
- ✓20% referral commission
- ✓0.2% cashback on transactions
Most popular
Ultra Speed
$20/month
For people trading seriously
- ✓Everything in Free
- ✓Unlimited MEV-protected trades
- ✓No per-trade priority fee
- ✓Priority block inclusion
- ✓Anti-sandwich routing
- ✓Anti-frontrun protection
Sniper Pro
$20/month
For launch hunters
- ✓Everything in Free
- ✓Ultra Speed on all snipes
- ✓Instant and limit sniping
- ✓Auto take-profit and stop-loss
- ✓Pending snipe manager
- ✓Built for new launches
Install it
Put Kobocent on your home screen
Installs straight from the browser — no app store, no waiting for a review. Works offline for the basics and opens like any other app on your phone.
App Store — coming soon▶ Google Play — coming soon
Money should move as easily as
a message does.
Start on Telegram or start on the web — it is the same account, the same balance, and it stays in sync whichever one you open next.
Free to start · No gas fees · Your keys, your money