01- Non-custodial by design
Your USDC moves directly from your wallet to your bank via Stellar's settlement network. Settu never holds a balance on your behalf.
Settu stablecoins and fiat, seamlessly
Stablecoins in, cash out, in minutes. No P2P traders. No middlemen.
₦21.6M+Settled to Nigerian banks
420+Transfers completed
~3 minTypical time to payout
How $ettu actually moves your money
Three steps, and we tell you where things stand at each one, not just at the end.
Stellarwallet
connect
Metamaskwallet
connect
Connect wallet
Any EVM wallet, Solana Wallet or a Stellar wallet works. If you're not on Stellar, we bridge your USDC there automatically, you don't manage that step yourself.
FX lockYour rate locks instantly
The Naira rate you're quoted is the rate you get, held for a short window while you confirm. No surprises at the last step.
Payout currency⌄
account number
Bank
Sent to GTBank •••• 6789. It usually lands within minutes.
Naira lands in your bank
You’ll see each stage, bridging, locking, sending, in plain language, and a clear "done" the moment it’s in your account.
Why people trust it with real money
Not badges — specifics about what happens to your funds, and what other users actually say.
02- Rates locked before you commit
You see the exact Naira amount before you sign anything. Once locked, it doesn't move against you mid-transfer.
03- Every fee, named
Network, bridge, and platform fees are shown separately with a plain-language reason for each , no bundled surprise charges.
FAQ
Questions people actually ask
Three separate things: a network fee (goes to the blockchain, not us), a bridge fee (only if you're sending from a non-Stellar chain), and a platform fee (covers the rate lock and payout). Every transfer shows all three before you confirm.
If anything fails before your USDC leaves your wallet, nothing moves — you keep your funds and can try again. You'll always see which of these is true, not just a spinner.
No. Connect any supported EVM wallet or Solana wallet and we bridge your USDC onto Stellar for you as part of the flow.
The moment you confirm your amount, we hold the Naira rate for a short window so it can't move against you while you finish entering your bank details.
All major Nigerian banks and fintech accounts, including GTBank, Access, Zenith, Kuda, and Opay. We verify your account name automatically before you confirm.