Meet Peppy Wallet: stablecoins, crypto and naira in one app

Most people who hold more than one kind of money end up with more than one app. Naira sits in a bank app. Stablecoins sit somewhere else. A little ETH or TRX waits in a third place, and every app has its own fees, its own screens and its own way of asking "are you sure?"

Peppy Wallet puts all of it in one place.

Five balances, one screen

A Peppy account holds five balances:

• Naira
• USDT on Tron (TRC-20)
• USDT on Ethereum (ERC-20)
• ETH
• TRX

Each balance stays separate, on its own network, and the app names the network at every step, so USDT on Tron never gets mixed up with USDT on Ethereum. The wallet page also adds everything up into one estimated total in USD, with each balance a tap away.

Every fee before you tap

When you send USDT, ETH or TRX to an address outside Peppy, a review screen comes first. It shows what the recipient receives, Peppy's fee, the network fee and the total that leaves your balance. You see all of it before you approve.

Peppy's fee is 0.5% of the amount, at least $0.50. The network fee goes to the blockchain, not to Peppy, and you pay it from your own TRX or ETH. How Peppy's fees work has worked examples.

Opening an account, holding money and creating a receiving address are free.

Nothing moves without your PIN

Every send waits for your 4-digit transaction PIN. Easy PINs like 1234 or 1111 aren't allowed. Repeated wrong tries lock the PIN, you're notified, and resetting it needs your password.

Recovering your password or resetting your PIN puts a temporary hold on withdrawals, which gives you time to act if it wasn't you. Every new sign-in sends a notice to your wallet, and you can sign out every other session from Security.

Who holds the keys

Peppy is a custodial wallet. Peppy holds the keys to your Tron and Ethereum addresses and signs the transfers you approve. The keys live in a separate signing service, apart from the website. It has its own daily caps, and some sends wait for a security check before it signs them. Every transfer is recorded in a ledger and checked against the blockchain.

That makes your password and PIN what protects your wallet. Peppy will never ask you for them, or for private keys, by email, phone or chat. Anyone who does isn't Peppy.

Built in Africa, for the world

Peppy works in any browser today, on your phone or your computer, and Peppy for iPhone is on its way. You need to be 18 or older to open an account. Naira receiving accounts are currently available to residents of Nigeria.

Open yours

1. Sign up at app.peppyworld.lat with your email address, and confirm it.
2. Set your 4-digit PIN.
3. Open Receive, pick a balance and share the address shown there. The screen names the network, so the sender knows which one to use.

Peppy is not a bank, and balances in Peppy aren't bank deposits. Blockchain transfers can't be reversed, so check the address and network before every send.