Secure Trade
without the Risk.
Empowering buyers and sellers with secure, high-trust escrow. Don't pay until you verify.
3,100+ buyers & sellers trust Safro
Escrow Created
Your escrow is ready to be funded
Automate trade safety,
eliminate fraud.
From seamless payments to real-time analytics, Safro empowers your trade with clarity, speed, and confidence. Everything you need to manage your finances—automated, secured, and centralized.
Volume
₦50B+
Total transactions processed
Clients
3,100+
Traders using Safro
Security
99.9%
Dispute resolution rate
Trust Score
4.9/5
User satisfaction
Everything You Need to Shop Safely
Bridging the gap between social media vendors and buyers with unbreakable trust.
Vendor Satisfaction Guarantee
Don't pay for what you didn't order. Inspect your delivery before the seller gets paid.
Disposable Virtual Cards
Shop online securely with one-time use dollar cards. No maintenance fees, no risk.
Lightning Cross-Border Payments
Send NGN to Kenya, Ghana, UK, US and 5 more countries. Settles in seconds via Bitcoin's Lightning Network — not days.
Works Offline (USSD)
No data? No electricity? Dial our USSD code to approve payments or check balance instantly.
Global & Local Escrow
Whether you're buying from Instagram or importing from China, Safro protects every transaction.
8+ Live Corridors
Nigeria to East Africa, Southern Africa, Europe, and North America. More corridors added every quarter.
Send Naira abroad.
Arrive in seconds.
We route cross-border transfers over Bitcoin's Lightning Network. You send NGN — recipients get local currency. No crypto. No delays. Under 1% fee.
< 10s
Settlement time
< 1%
Transfer fee
8+
Live corridors
100%
Auto-refund on fail
Open Rails
Bitcoin is permissionless. No bank can block or delay your transfer.
Financial Inclusion
400M+ unbanked Africans. Lightning makes global payments accessible to all.
Auto-Refund
Atomic swaps guarantee funds arrive in full or NGN is instantly returned.
Shop confidently on
Instagram & WhatsApp.
Love that bag on Instagram but afraid to pay first? With Safro, you fund the transaction, but we hold the money. The vendor sees the money is there, but can't touch it until they deliver.
No more "What I ordered
vs. What I got".
Inspect your delivery on arrival. If it's not what you wanted, the money doesn't leave the vault. We protect both the buyer and the seller from dishonesty.
No Data? No Problem.
Use USSD.
Our mobile app gives you the best experience, but we know connectivity can be tricky. Switch to our USSD service instantly when you're offline to approve payments or check balances.
Importing Goods?
Pay Suppliers Globally.
Expand your business beyond borders. Use Safro to pay international suppliers securely. We hold the funds in escrow until your shipment is verified at the port or doorstep.
Disposable Virtual
Dollar Cards.
Need to pay for subscriptions or shop online without risk? Create a short-lived dollar card instantly. It expires after use, keeping your main funds safe from fraud.
How Safro Works.
Whether you have a smartphone or a basic feature phone, securing your money takes just 3 steps.
Trusted by Nigerians
everyday.
I almost lost N50,000 to an Instagram vendor last month. Now I use Safro for everything. If they don't agree to use Safro, I know they are scammers.
Chioma Okeke
Fashion Entrepreneur, Lagos
As a vendor, customers trust me more when I tell them we use Safro. My sales have increased because they know their money is safe.
Emeka Obi
Gadget Seller, Computer Village
The USSD feature is a lifesaver. Sometimes the network is bad in my area, but *979# always works for checking payments.
Abdullahi Yusuf
Wholesaler, Kano
I ordered a wig and got something else. Thanks to Safro, I simply rejected the delivery and got my money back instantly. No stories.
Bimbo Adebayo
Student, UNILAG
I almost lost N50,000 to an Instagram vendor last month. Now I use Safro for everything. If they don't agree to use Safro, I know they are scammers.
Chioma Okeke
Fashion Entrepreneur, Lagos
As a vendor, customers trust me more when I tell them we use Safro. My sales have increased because they know their money is safe.
Emeka Obi
Gadget Seller, Computer Village
The USSD feature is a lifesaver. Sometimes the network is bad in my area, but *979# always works for checking payments.
Abdullahi Yusuf
Wholesaler, Kano
I ordered a wig and got something else. Thanks to Safro, I simply rejected the delivery and got my money back instantly. No stories.
Bimbo Adebayo
Student, UNILAG
I almost lost N50,000 to an Instagram vendor last month. Now I use Safro for everything. If they don't agree to use Safro, I know they are scammers.
Chioma Okeke
Fashion Entrepreneur, Lagos
As a vendor, customers trust me more when I tell them we use Safro. My sales have increased because they know their money is safe.
Emeka Obi
Gadget Seller, Computer Village
The USSD feature is a lifesaver. Sometimes the network is bad in my area, but *979# always works for checking payments.
Abdullahi Yusuf
Wholesaler, Kano
I ordered a wig and got something else. Thanks to Safro, I simply rejected the delivery and got my money back instantly. No stories.
Bimbo Adebayo
Student, UNILAG
Got Questions?
We've Got Answers.
From social media shopping to offline payments, we make it simple.
How do I pay a vendor on Instagram?
Simply create a 'Safro Link' on our app and send it to the vendor. Once you fund it, they see the money is secure. You only release it when you confirm the delivery.
What are Disposable Virtual Cards?
These are short-lived virtual dollar cards for secure online purchases. They expire after use or a short time, protecting your main account from fraud and unwanted subscription charges.
What if the vendor sends the wrong item?
You can reject the delivery in the app or via USSD. The money remains in escrow and can be refunded to you if the issue isn't resolved.
Do I need internet to use Safro?
No! You can use our USSD code (*979#) to check your balance, approve payments, or release funds even without data.
Is my money safe?
Yes. All funds held in escrow are secured and only released when both parties confirm the transaction is complete. Your money never goes directly to the seller until you approve it.
How does the Bitcoin / Lightning cross-border transfer work?
You enter an amount in Naira and a recipient handle (phone number, bank account, or Lightning address). Safro locks a real-time FX quote for 60 seconds, you confirm with your PIN, and we route the payment over the Bitcoin Lightning Network. The recipient receives their local currency (KES, GHS, USD, etc.) — typically within 10 seconds. You never need to own or understand Bitcoin; it's the underlying rail we use so your transfer is fast, cheap, and final.
Do I need a Bitcoin wallet to send abroad?
No. Safro abstracts Bitcoin entirely. You fund your Safro NGN wallet, pick a country and amount, and we handle the Bitcoin/Lightning routing behind the scenes. Your recipient gets local currency via mobile money or bank transfer — no crypto knowledge needed on either end.
Why does Safro use Bitcoin instead of traditional remittance?
Traditional remittance routes cost 6–8% and can take 1–5 business days due to correspondent banking chains. Bitcoin's Lightning Network settles peer-to-peer in seconds with fees under 1%. We pass those savings directly to you. It also means no single bank can block or delay your transfer.
Which countries can I send to?
Currently: Kenya (KES), Ghana (GHS), Uganda (UGX), Tanzania (TZS), South Africa (ZAR), United States (USD), United Kingdom (GBP), and the Eurozone (EUR). We add new corridors quarterly — follow us to stay updated.
Shop Smart.
Pay Safe with Safro.
Download the app or dial *979# to start transacting with trust today.