5km radius, real people, no bank queue
Kashfinda connects people who need physical naira with people nearby who have it — confirmed with a code, not just a handshake. No bank queue, no POS charge.
How it works
Providers list available cash with their meeting point. Toggle between map and list, default radius is 5km.
Pick a listing, agree the meeting point, send the transfer through your bank app. Nothing physical yet.
Meet in person, hand over cash, both sides confirm with a 6-digit code. That's what closes the transaction — not the transfer alone.
Why this exists
Standing in line to withdraw, or paying a per-transaction fee at a POS kiosk, are both workarounds for the same problem: cash isn't always where you are. Kashfinda routes around both — a digital transfer to someone already holding cash near you, confirmed properly.
Bank queue
Travel time, wait time, and a withdrawal cap — for cash that might already be a few streets away.
POS kiosk
A flat charge every time, whether you need ₦2,000 or ₦200,000.
Kashfinda
1% capped fee, verified counterpart, code-confirmed — and if they're Level 3, you're meeting at their actual shop.
Verification
Level 1 — Basic
₦20,000
Phone number verified
Level 2 — Intermediate
₦50,000
BVN or NIN verified
Level 3 — Advanced
₦500,000
Verified business place
For merchants
Verify your business place and it becomes the default location seekers meet you at — every cash exchange is a reason for someone to walk into your shop. Bulk and remote transaction types are also Level 3 only, for merchants who want to move larger volumes.
Verify your businessBulk cash module
Deposit large cash for a quick bank transfer with no fee to you — seekers pay a visibility fee to reach your listing first.
Remote transaction module
Have a way to move cash to another town? Set your own logistics cost on top of the standard fee.
Questions
No. Kashfinda never custodies funds — it only facilitates the introduction and confirmation between a seeker and a provider. The digital transfer happens bank-to-bank, and the cash handover happens in person.
Every listing shows the provider's verification level, and Level 3 providers meet at a verified business address rather than a random spot. Every transaction is closed with a 6-digit code both sides confirm — nothing is marked complete until both the transfer and the handover are acknowledged.
Limits scale with how verified your account is — ₦20,000 at Basic, up to ₦500,000 once your business place is verified. It's the same logic banks use for KYC tiers, applied to a peer-to-peer flow instead of a bank counter.
Kashfinda is built as a facilitator, not a money transmitter — it never holds or moves funds itself, which is a deliberate design choice to stay outside e-money licensing requirements. That said, treat this as an early-stage product, not settled legal advice.
Low connectivity is a first-class design constraint here, not an afterthought — offline support for browsing cached listings and confirming transactions via SMS is on the roadmap for a coming release.
Start at Level 1 in under a minute — verify further whenever you're ready.
Get started