Frequently asked questions

Nkap Express is a marketplace where individuals exchange money between the West and Africa, in both directions. A member posts an ad with the two amounts they wish to exchange, and another member responds to it. During the exchange, the African-currency amount is locked in escrow until the Western-side payment is confirmed or a dispute is decided. Nkap Express is operated by KB Corporation.

Sign up with an email address and a password of at least 10 characters, or with your Google account. Sign-up with a phone number (WhatsApp) is not available at the moment. You must be of legal age in your country of residence. An account is strictly personal.

On the login page, choose “Forgot password?” and enter your account’s email address. You receive a 6-digit code, valid for 10 minutes: enter it with your new password (at least 10 characters). All your open sessions are then signed out. If you sign in with Google and your account has no password, the email reminds you: use “Continue with Google”. If nothing arrives, check your spam folder or write to contact@nkap-express.com. We will never ask you for your password.

Closing an account cannot be done from the app yet. Write to contact@nkap-express.com from your account’s email address. Before closure, complete your ongoing exchanges and disputes and withdraw your wallet balance. Some data is kept after closure to meet our legal obligations, as explained in the Privacy Policy.

You can browse ads without an account. To publish an ad or respond to one, there are two steps. First, verify your email address with the 6-digit code we send you (valid for 10 minutes), or log in with Google. Then, have your identity verified with an ID document and a selfie: you can then publish and trade, and the “Verified” badge appears on your profile and your ads.

Your application includes the document number, a photo of the front, a photo of the back if the document has one, and a selfie. Accepted files are PNG, JPEG, WEBP or PDF, 8 MB maximum. The documents accepted depend on the issuing country. Here is the current list:

The up-to-date list is shown in Account > Verification when you submit your documents.

Each application is reviewed by our team. The time it takes depends on the number of pending applications. You receive a notification once a decision is made. If your application is declined, you are told the reason and can submit a new one.

Without a verified identity, you can neither publish nor trade. With a verified identity, the limits are as follows, in FCFA (XAF or XOF):

You can have up to 5 active ads. Your limits are shown in your account. The other party’s limits also apply: if they would exceed them, the exchange cannot go ahead, without their limits being disclosed to you.

You need a verified identity. Choose the direction of the exchange, the Western country and the African country, then the two amounts. Specify at least one method you pay with and one method you get paid with. If you are the one receiving the Western-side payment, add the details of the account that will receive it. Finally, choose a validity period: 24 hours, 3 days, 7 days or 14 days. The ad is published immediately. It contains no free text.

A verified member can accept your ad as it is, or make you an offer with different amounts or different payment methods. You can accept, decline or make a counter-offer, with no limit on the number of rounds. An offer expires after 24 hours without a response. There is no messaging between members: everything goes through the proposed amounts and methods. The first acceptance locks the ad and creates the exchange.

Nobody chooses a rate: it results from the two amounts entered. We display a market reference rate and the difference between that rate and the ad’s rate, for information only. No maximum difference is imposed. Compare before you commit.

The supported countries are those on the current list:

The current payment methods are as follows:

Before any Western-side payment, the African-currency amount is paid by the party who owes it and locked in escrow. It is only released after the recipient of the Western payment confirms receipt, or by decision of our team in the event of a dispute. It is never released automatically: without confirmation, a dispute opens. Funds are collected and held through partner payment providers and, where applicable, the agent network.

1. The party paying in African currency funds the escrow, in one or more tranches.
2. Once the escrow is funded, the party paying in Western currency sends the payment, outside Nkap Express, to the details shown in the exchange. They declare it with a proof.
3. The recipient checks on their account that the money has arrived, then confirms receipt.
4. The escrow, minus the fee, is credited to the Nkap Express wallet of the party who paid in Western currency.

Confirmation of receipt is final. Only confirm after checking your account.

Each payment method has a per-operation limit, for example 500,000 FCFA for mobile money in Cameroon. If the amount exceeds this limit, it is automatically split into tranches. You can change this split as long as no tranche has been paid. The Western payment is also declared and confirmed tranche by tranche.

The current deadlines are as follows:

Yes, either party can cancel as long as the escrow is not funded and no payment is being processed. Tranches already paid are refunded to the payer’s wallet, with no fee. Once the funds are locked, cancellation is no longer possible: if there is a problem, open a dispute.

Released funds and refunds go to your Nkap Express wallet, not directly to your external account. The wallet is kept per payment method and per currency. You withdraw a balance to the same payment method it came from. A balance linked to a method that cannot receive funds, such as a bank card, is withdrawn to another method. Nkap Express pays no interest on balances.

For some mobile money methods, an agent of the Nkap Express network can receive your payment or pay out a withdrawal to you. For a payment, follow the instructions shown in the exchange, pay only to the account of the agent indicated, then report it with the “I’ve paid” button. For a withdrawal, you have 24 hours to confirm or contest receipt once the agent reports having sent it. Without a response, the withdrawal is considered received. During the task, the agent sees your name and the details of the account concerned, but not your email, your profile phone number or your ID document.

A single fee is calculated on the African-currency amount. Depending on the corridor, it is a percentage, a fixed amount, a combination of both or a tiered scale, with a minimum and a maximum. By default, it is shared equally between the two parties. The amounts shown to you are net: your share is already deducted or added, and you see them before you commit. The fee amount is fixed at the time of the agreement.

No. Nkap Express charges no fee for paying the escrow or for withdrawing your balance. Fees charged by our payment providers and agents’ remuneration are borne by us. If an exchange is cancelled with a refund, no fee is retained. Your bank or operator may charge its own fees for the Western-side payment.

Do not confirm receipt. Contest the receipt in the exchange: a dispute opens and the funds stay locked. Each party adds their evidence, then our team decides to release, refund or split the funds.

Either party can open a dispute as soon as the escrow is funded and as long as the exchange is not completed. A dispute also opens automatically in the cases described above. Add notes and PNG, JPEG, WEBP or PDF files of 8 MB maximum: bank statement, receipt, screenshot of the transaction. Our team may ask you for more information. You can no longer add evidence once the decision is made, unless an appeal is filed.

A member of our team reviews the evidence and gives a reasoned decision: release, refund or split. Above certain amounts, the decision is reserved for team members authorised for those amounts. Our goal is to handle a dispute within 2 days, but this timeframe is not guaranteed. Either party can appeal within 7 days of the decision, but only one appeal is possible per dispute. The appeal is reviewed by a different person. If the appeal changes the decision, sums already paid out may be taken back. See also the Terms of Use.

Go to Account > Security and scan the QR code with an authenticator app (Google Authenticator, Authy…). Two-factor authentication is optional, except to accept an exchange whose escrow exceeds 1,000,000 FCFA: it is then required. In Account > Security, you can also see your signed-in devices and sign them all out.

• Only pay on the Western side once the funds are locked in escrow, as shown in the exchange, and only to the details displayed in the exchange.
• Never confirm receipt on the strength of a screenshot: check your own account.
• Never share your verification codes, two-factor authentication codes, PIN or mobile money validation code with anyone. Our team will never ask you for them.
• There is no messaging between members. Be wary of anyone who contacts you elsewhere claiming to be a counterparty or Nkap Express.
• Never settle an exchange outside the steps provided in the app. Otherwise, escrow does not protect you.

Your public profile shows your display name, your photo, your country, your languages, your badge, the date you joined and your reputation (completed exchanges, dispute rate, average payment time, ratings from 1 to 5 with the name of their author). It does not show your email or your phone number. During an exchange, both parties see the details of the account receiving the Western payment. In our team’s internal tool, your email, phone number and details are masked by default. Displaying them in full on request and each viewing of your identity documents are logged. Details are in the Privacy Policy.

In an exchange, contest the receipt or open a dispute. If a member bothers you, block them with the “Block” button: you will no longer see their ads, and neither of you will be able to make an offer to the other or accept the other’s ad. For any other problem, including a compromised account, write to contact@nkap-express.com giving the exchange reference (in the form NKX-XXXXXXXX) if you have one.

Write to contact@nkap-express.com to access your data, correct it, request its deletion, restrict its use, receive it in a reusable format or object to its processing. Some data must be kept for the periods required by law. You can also lodge a complaint with the competent data protection authority: in Cameroon, the one established by Law No. 2024/017; in the European Union, the one in your country, for example the CNIL in France; elsewhere, the one in your country of residence. See the Privacy Policy.

Write to contact@nkap-express.com, preferably from your account’s email address. This single contact is used for support, legal questions and personal data. Messages from our team about an exchange also appear in that exchange.