Escrow-protected P2P exchange
Send money between the West and Africa, at your rate.
Person-to-person money transfers: find a member making the opposite exchange, agree on the rate and pay with peace of mind. African-currency funds stay locked in escrow until the payment is confirmed, and your fees are shown before you commit.
- Escrow-protected
- Fast, fully mobile
- Transparent fees
- Verified members
How it works
Your exchange in 4 steps
As simple as a swap between friends, as safe as a financial platform.
Step 1
Pick or post an ad
Browse offers by corridor, or post your own amount and rate in under 3 minutes.
Step 2
Agree on the terms
Accept the offer as is, or negotiate the amount and payment methods with offers and counter-offers.
Step 3
African funds go into escrow
The African-currency amount is collected by mobile money or card, then locked by the platform.
Step 4
Pay, confirm, release
The Western-side payer sends the payment with proof. Once receipt is confirmed, the funds are released.
Security
Your money only moves once everything is confirmed
Escrow protects both sides: nobody can walk away with the funds before the payment is received.
Escrow on the African side
African-currency funds are collected and frozen before the Western payment, then released only after receipt is confirmed.
Tiered identity checks
Tier 1: verified email or linked Google account. Tier 2: ID document and selfie, required to publish or answer ads, with higher limits. A "Verified" badge shows on ads.
Fair dispute resolution
A contested receipt automatically opens a dispute: funds stay frozen, both sides add evidence, and our team decides to release, refund or split.
Strict internal controls
Multi-factor authentication for all staff, four-eyes approval for sensitive actions and a complete audit trail.
Collection
Mobile money or card, African side
Escrow
Funds locked during the exchange
Release
After receipt is confirmed
If the receipt is contested, funds stay locked until our team decides.
Fees
Clear fees, known in advance
A single commission, calculated on the African-currency amount and shared between both parties.
One single commission
Percentage, fixed amount, a mix of both or tiered pricing: the model is set per corridor, with a minimum and a maximum.
Shared by both parties
By default, the advertiser and the responder each pay half.
Shown before you commit
You see your share and your net amount before you post, make an offer or accept. Both are locked at agreement.
Nothing to pay if cancelled
No commission is kept when an exchange is cancelled and refunded. Payment provider fees are covered by the platform.
- Amount exchanged
- Advertiser's share
- Responder's share
Exact amounts depend on the corridor's fee schedule and are shown live before every commitment.
| Criterion | Nkap Express | Traditional transfer |
|---|---|---|
| Exchange rate | Set between members, negotiable | Set by the operator, margin often included |
| Fees | Shown upfront and shared | Transfer fees plus exchange margin |
| Funds protection | Escrow until confirmation | Depends on the operator |
| Refunded cancellation | No commission kept | Fees rarely refunded |
Nkap Express at a glance
- 7countries served
- 5currencies exchanged
- 10payment methods
- 24/7marketplace always open
- 100%of African funds held in escrow
Corridors
Send money to Africa, or receive it
Open corridors link the West (Belgium, Canada, France and United States) and Africa (Cameroon, Côte d’Ivoire and Senegal), both ways. Each page details the currencies, the payment methods and the current offers.
- Belgium Cameroon
- Canada Cameroon
- France Cameroon
- United States Cameroon
- Belgium Côte d’Ivoire
- Canada Côte d’Ivoire
- France Côte d’Ivoire
- United States Côte d’Ivoire
- Belgium Senegal
- Canada Senegal
- France Senegal
- United States Senegal
FAQ
Frequently asked questions
Everything you need to know before your first exchange.
A marketplace where individuals exchange money between the West and Africa, in both directions. One member posts an ad with an amount and a rate, another responds, and the platform secures the exchange with escrow.
Before any Western-side payment, the African-currency amount is collected and locked by the platform. It is only released once receipt of the payment is confirmed. If the payment doesn't arrive in time, the exchange is cancelled and the escrow refunded.
A single commission, calculated on the African-currency amount and split equally between both parties by default. How it is calculated depends on the corridor. Your share and net amount are shown before you commit.
Western side: Belgium, Canada, France and United States. African side: Cameroon, Côte d’Ivoire and Senegal. Payments use local methods: mobile money, bank transfer, Interac e-Transfer, PayPal or card, depending on the country.
Contest the receipt: a dispute opens automatically and the funds stay locked. Each side adds evidence (statements, screenshots, receipts), then our team decides to release, refund or split the funds.
You can browse offers without an account. To publish an ad or answer one, create your account with your email or with Google, then verify your identity with an ID document and a selfie. Verification also raises your limits and adds the "Verified" badge to your ads.
Ready to exchange differently?
Create your account in minutes and find your first offer today.