Why Choose Zoka
Send & Receive USD/NGN and other global currencies conveniently
Convert fiat to stablecoins and vice–versa without unnecessary delays or hidden charges
Access digital wallets with real stablecoin value
No questions–asked referral bonuses
Other Zoka Benefits
US Bank account
Meticulously crafted metal cards
Secure monitored network
Tailored to international businesses
Available on iOS, Android and Web
Low fees, high speed transfers
Supports local financial rails
Share money instantly via messaging apps
Discover What Zoka Does Differently
Zoka Personal
Spend and Save with Zoka, no matter where you are in the world, in fiat or stablecoins…
Go from sign–up to spending in just 2–3mins. No bank account needed.
Click to get started…
Zoka Business
Secure your treasury and safeguard your finances from local inflation, all while scaling your business globally with a truly self-custodial account that only you can control.
Zoka Mobile Money Agents
Turn your stablecoins into Dollars and vice versa through any one of our over 100million merchants worldwide.
Click to find a Zoka Agent near you.
Click to sign–up as a Zoka Mobile Money Agent in Your Country.
Zoka AI Agents
See how AI can offer better control of your money on Zoka.
The Zoka Comparative Difference
| The Zoka Difference | Zoka | REVOLUT | WISE | WORLD REMIT | BANKS |
|---|---|---|---|---|---|
| Ability to send & receive USD/NGN/Other Currencies without a local bank | Yes | Yes | No | Yes | No |
| Convert fiat to stablecoins and vice – versa without delays or hidden fees | Yes | Yes | Yes | No | No |
| Access digital wallet(s) with real stablecoin value | Yes | No | No | No | No |
| Crypto referral bonuses | Yes | Yes | No | No | No |
| Self – custody of funds without banking limits | Yes | No | No | No | No |
See How Zoka Really Works
F. A. Q
1. What services does Zoka offer?
- Send and receive funds globally
- Convert local currency into stablecoins (USDC, USDT, EURC)
- Maintain full control of their funds without intermediaries
2. Who can apply for Zoka accounts and cards?
Zoka supports users globally, except in certain restricted jurisdictions. You can apply for an account from almost anywhere. For more details, visit our Help Center.
3. How long does it take for a transfer to be completed?
- Zoka-to-Zoka transfers: Free and instant
- Other transfers: Timing depends on the destination country and currency. Some settle in real time, others may take 1–3 business days.
4. Are there any fees associated with transactions?
Yes, Zoka charges a small fee per transaction. Fees vary depending on:
- Transaction amount
- Type of transaction
- Destination
The fee breakdown is shown before you confirm the transaction.
5. Is my money safe with Zoka?
Absolutely. Zoka uses:
- End-to-end encryption
- Self-custody wallet architecture
- Two-factor authentication (2FA)
Only you have control of your wallet’s private keys.
6. Can I cancel a transfer after it’s been initiated?
In some cases, yes. Transfers can be canceled if they haven’t been processed yet. Please contact our support team as soon as possible.
7. Does Zoka offer a mobile app?
Yes. The Zoka App is available on both iOS and Android. You can:
- Manage your wallet
- Send payments
- Track transactions securely from your mobile device
8. How can I contact customer support?
- Email: support@zoka.io
- Live chat: Available within the Zoka app
9. How do I know if a Zoka agent is legitimate?
- All agents go through strict screening and verification
- Agent profiles display transaction count and ratings
- Zoka continuously monitors agent activity for safety and quality
10. Are there fees for using a Zoka agent to exchange digital dollars?
Yes. Zoka charges a 1% platform fee on both buying and selling stablecoins through agents. This supports:
- Platform maintenance
- Security
- Customer support
- Agent network development
11. Can I sell digital dollars for cash through a Zoka agent?
Absolutely. Zoka allows you to exchange digital dollars for cash with verified agents. The process is simple, fast, and seamless.
12. What are the minimum and maximum amounts I can exchange through Zoka?
- Maximum limit: $1,000/day (can be increased with additional verification)
- Minimum limit: No minimum; you can exchange as little as needed
13. How quickly will I receive digital dollars after exchanging cash?
Once a Zoka agent confirms cash receipt, your digital dollars are transferred instantly to your Zoka wallet. Agents can only initiate transactions if they have enough digital funds on hand.
14. What currencies does Zoka support?
Zoka supports leading stablecoins:
- USDC (USD-pegged)
- USDT (USD-pegged)
- EURC (EUR-pegged)
More currencies will be added as the platform expands.
15. Can I use Zoka for business payments?
Yes. Zoka offers business accounts with tools for:
- B2B payments
- Contractor payouts
- Global remittances
- Treasury management in stablecoins
Ideal for remote teams, freelancers, and international suppliers.
16. How is Zoka different from a traditional bank?
Zoka is not a bank. It provides self-custodial financial tools powered by blockchain:
- No middlemen
- No hidden fees
- Full control of your funds
- Fast, borderless finance
17. Does Zoka provide physical cards?
Zoka is working on launching virtual and physical cards linked to your stablecoin balance for spending. Stay tuned for updates in the app and on our website.