CreativMoney
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247 traders active right now

Pay everything in one app.

Settle electricity, water and school fees. Top up airtime and data. Send to any mobile-money number — instantly. Powered by Bitcoin Lightning underneath, paid in local currency on top.

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Free wallet · No credit card · Web · iOS · Android

CreativMoney™

Community platform to buy & sell crypto.

247 trading now · across 5 countries

Hottest markets

Cameroon89Nigeria67Ghana45Senegal28Côte d'Ivoire18

12+

Bill providers live

<5s

Avg settlement

9

Countries planned

02 · The thesis

Bitcoin should move at the speed of conversation.

Across African trading communities — WhatsApp groups, OTC desks, njangi circles — Bitcoin already changes hands every day. The settlement layer just hasn't caught up. CreativMoney is what happens when you put Lightning rails, atomic escrow, and a real community ledger underneath those existing relationships. Nothing about how you trade has to change. Everything about how it settles does.

03 · How it works

Three steps. One safe trade.

Sign up, top up your account once, and pay anything from one screen. Auto-refund if the provider declines — your money is never lost in transit.

01

Create a free account

Sign up with your phone number and set a 4-digit PIN. Your account is ready to receive funds in under two minutes.

02

Top up once

Fund your account via Lightning, on-chain Bitcoin or stablecoin. The amount you add is yours to spend across every Pay tile.

03

Settle anything in one tap

Bills, airtime, data, mobile money — choose a provider, enter the number, confirm with PIN. Settled in seconds; refunded automatically if the provider declines.

Swipe through the steps

04 · Why us

Designed around how your community already exchanges value.

Lightning-fast

Sub-second Bitcoin transfers via the Lightning Network. Pay anyone with a Lightning Address — no on-chain wait.

Bitcoin first

A real on-chain wallet you control. Lightning for speed, on-chain for store-of-value. One balance, both rails.

Community-run

Trade inside vetted groups you already trust. Member-led OTC desks, transparent reputation, no faceless exchange.

Escrow protected

Bitcoin locks the moment a trade starts. Atomic transactions, no double-spends, human moderators on disputes.

Swipe to explore

Settle in what your community uses

MTN MoMoOrange MoneyAirtel MoneyBank transferLightning Address

05 · Voices

A community exchange that earns trust by design.

“Lightning settlement changed everything. I move sats from Europe to my customers in seconds, not days. The escrow makes new buyers actually trust me.”
A

Alice M.

Douala · Bitcoin trader

“I run an OTC desk for 50+ regular customers. The escrow rails plus the dashboard give me a real business — not a chat group with promises.”
B

Bob T.

Lagos · OTC desk operator

“Our njangi of 89 women now runs end-to-end on CreativMoney. Contributions, payouts, trust scores — every member sees everything. No more arguments.”
M

Marie K.

Yaoundé · Njangi organiser

Swipe for more voices

0.1%

Flat trade fee

< 4h

Median dispute resolution

100%

Escrow-backed trades

24/7

Human moderators

06 · Questions

Common questions

Does CreativMoney hold my Bitcoin?+

You control your wallet. Fiat (XAF, NGN, USD) is never touched by us — it moves directly between you and your trade partner via MoMo or bank transfer. We just record the receipts and run the escrow logic.

What happens if my trade partner doesn't pay?+

Bitcoin stays locked in escrow until both sides confirm. If a payment doesn't land, you raise a dispute. A real human moderator reviews the evidence (proof of payment, chat logs, receipts) and resolves it — typically within hours.

How fast is Lightning settlement?+

Sub-second. Lightning Network payments to a Lightning Address (yourname@creativmoney.com) settle in under one second for fractions of a satoshi in fees. On-chain Bitcoin still works for larger amounts — your choice per trade.

How much does it cost?+

0.1% per trade, paid by the seller. No deposit fees, no withdrawal fees beyond the network's own miner fee, no hidden spreads. Free to create an account, free to create a community group, free to browse offers.

Which countries are supported?+

Live in Cameroon, Nigeria, Ghana, Kenya, Côte d'Ivoire, Senegal, Togo, Benin and Rwanda. More launching every quarter. If your country isn't listed yet, sign up — we'll notify you the day we land.

Start trading Bitcoin in under two minutes.

Join the Bitcoin and Lightning powered community exchange built for the way real African communities already exchange value.

Create your walletTalk to the team

Free wallet · No credit card · Web, iOS, Android