The company has tapped Ripple’s settlement technology to streamline the process, offering an alternative to the often slow, expensive flow of traditional international transfers.
The service does not treat digital assets as speculative instruments. Instead, users can send a wide range of cryptocurrencies — from XRP and USDT to BTC, ETH, SOL, TON, TRX, and BNB — and recipients receive NGN deposited directly into their bank accounts.
Ripple’s RLUSD stablecoin is expected to be added next. RedotPay CEO Michael Gao emphasized that, by pairing stablecoin settlement with Ripple’s backend, the system aims to make crypto feel as simple and predictable as using a local mobile money app.
Ripple’s Broader Push Across the Continent
This rollout comes as Ripple deepens its footprint in several high-growth regions. The company recently extended its regulatory permissions in Singapore, and earlier partnerships with Chipper Cash, Yellow Card, and VALR laid groundwork for improved settlement options across Africa.
Ripple’s Reece Merrick described the RedotPay integration as a meaningful advancement for lowering cross-border payment costs and bringing faster digital alternatives to users who rely heavily on remittances.
Bridging Digital Assets and Local Banking
Rather than replacing financial institutions, RedotPay’s model layers blockchain settlement on top of existing banking rails. The practical outcome is simple: a sender can choose a supported cryptocurrency, initiate a transfer from anywhere in the world, and the recipient in Nigeria receives NGN without touching an exchange or dealing with conversion risk. The company sees this as the first step in a wider effort to modernize how money moves across borders.