CreativMoney is a peer-to-peer exchange built for African communities. Buy and sell Bitcoin, Lightning, USDT and USDC with mobile money or bank transfer — backed by escrow on every trade.
12k+
Active traders
$4.2M
Settled monthly
9
Countries live
Escrow locked
0.0012 BTC
Trade settled
+$78.20
Total balance
0.0250 BTC
≈ $1,625.00
Recent trades
View allBought from Alice
via MoMo · 2h ago
+0.0012
Sold to Bob
via Bank · Yesterday
-0.0008
Lightning payment
3 days ago
15,000 sats
How it works
Every CreativMoney trade is protected by automated escrow. Funds only move once both parties confirm.
01 · Sign up
Sign up with your phone number, set a 4-digit PIN and verify your identity. Five wallets are auto-provisioned: BTC, Lightning, USDT, USDC and your local fiat ledger.
02 · Match
Browse OTC desks in your community, or post your own buy/sell offer. See partner ratings, completed trades, and supported payment methods upfront.
03 · Settle safely
Crypto locks in escrow the moment a trade is accepted. Pay your partner via MoMo or bank, confirm receipt, and the escrow releases automatically. Disputes go to a human moderator.
Built for the way you trade
On-chain BTC for store-of-value, Lightning for instant micro-payments. One wallet, both rails.
Hold value in USDT or USDC. Settle cross-border in seconds without losing money to currency volatility.
MTN MoMo, Orange Money, Airtel and bank transfer — settled directly between you and your trade partner.
Funds lock automatically when a trade is accepted. Atomic transactions guarantee no double-spends, ever.
Trade inside vetted communities. Join a group, follow OTC desks you trust, run a Njangi/tontine on-chain.
Disputes are resolved by trained moderators within hours, not days. No bots, no canned responses.
Community owned
CreativMoney isn't a faceless exchange. Every trader is part of a community. Every group has a moderator. Every dispute has a human who actually answers.
We charge 0.1% per trade — no spreads, no hidden fees, no surprise withdrawal taxes. The platform is owned by the people who use it.
0.1%
Flat trade fee
< 4h
Median dispute resolution
100%
Escrow-backed trades
24/7
Human moderators
Alice M.
Douala · Bitcoin trader
"I've been trading P2P for three years. CreativMoney is the first platform where I actually trust the dispute system. Money moves, escrow protects, and the moderators are real."
Bob T.
Lagos · OTC desk operator
"The Lightning rail changed my business. I settle remittances from Europe in under 10 seconds for $0.01 instead of waiting two days for a $30 wire."
Marie K.
Yaoundé · Njangi organiser
"My njangi group of 20 women used to manage everything by hand. Now contributions, payouts and trust scores are all on-chain. No more arguments."
FAQ
Crypto sits in your non-custodial 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.
The crypto stays in escrow until both sides confirm. If a payment doesn't land, you open a dispute and a moderator reviews evidence (proof of payment, chat logs, receipts) within hours. Funds return to the rightful owner.
We're live in Cameroon, Nigeria, Ghana, Kenya, Côte d'Ivoire, Senegal, Togo, Benin and Rwanda. More launching every quarter. If your country isn't listed, sign up and we'll notify you when we land.
0.1% per trade, paid by the seller. No deposit fees, no withdrawal fees beyond the network's own miner fee, no hidden spreads. What you see is what you pay.
Light KYC unlocks higher trade limits and access to KYC-only trader groups. You can start trading with phone-only verification in most countries.
Join thousands of traders moving Bitcoin, stablecoins and mobile money safely across the continent.
Free wallet · No credit card · Available on web, iOS and Android