Exchange EGP, NGN, and XOF at live market rates.
Direct peer-to-peer exchange between Egypt, Nigeria, and West Africa. See the live rate, confirm your amount, and settle directly to your bank account.
Live Rate Calculator
Best available market rate
Three steps from live rate to bank credit.
Trades clear account-to-account in minutes. Upfront merchant deposits protect every transaction from payment to release.
Choose your currencies
Select what you're sending and what you want to receive.
Secure your exchange
Review the rate and confirm the transaction before funds are released.
Receive your money
Once the exchange is completed, the funds are settled directly to your bank account.
Exchange without trusting strangers.
Peer transfers don't require you to rely on a stranger. Paytali adds safeguards around each exchange so you can see the terms, confirm the transaction, and know what happens next.
The required funds are secured before the exchange is confirmed.
Before a merchant can publish a live rate or accept orders, they must lock a verified cash collateral deposit in NGN or XOF. If a trader fails to release funds after your payment is confirmed, Paytali compensates you directly from that reserve.
Money goes directly to your bank
Funds are settled through supported local banking and payment networks. Transfer locally via InstaPay or Vodafone Cash in Egypt, and receive funds directly into your Nigerian commercial bank account or mobile wallet.
Verified identity
Participants may be required to complete identity verification before trading. Every merchant broker completes biometric verification and government-issued credential checks before listing rates.
Private trade routing
Only the information required to complete and protect the transaction is shared. Your phone number, WhatsApp link, and personal identity remain shielded from counterparties.
Paytali wherever you go
Check rates, manage exchanges, and track your transfers from your phone.
Frequently Asked Questions
Direct answers regarding exchange rates, security collateral, and local bank settlement.
Every merchant broker on Paytali must deposit verified cash collateral in NGN or XOF before quoting rates or accepting exchanges. If a merchant fails to release funds after your payment is confirmed, Paytali compensates you directly from that locked reserve. Settlement funds move directly between bank accounts, and Paytali never custodies them.
Each exchange has a protected time window. If you have sent payment but the counterpart does not release funds, you can open a dispute. Our team reviews payment confirmation on the local banking rails and resolves the order from the merchant's locked deposit.
You get the exact live market rate shown when you initiate your exchange. Once you start an order, the rate is locked for the duration of the transfer window, protecting you against fluctuations.
No. Buyers pay zero platform fees on Paytali. The exchange rate you see is the exact rate that lands in your account. Platform fees are debited from the merchant's deposit collateral, never deducted from your transfer.
Paytali currently supports direct peer-to-peer exchanges between Egyptian Pounds (EGP) and Nigerian Naira (NGN), as well as Egyptian Pounds (EGP) and West African CFA Franc (XOF).
Most exchanges settle in 3 to 5 minutes once payment is confirmed. Transfers move directly through local payment rails such as InstaPay or Vodafone Cash in Egypt, and direct commercial bank transfers in Nigeria.
Every merchant broker must complete official government ID checks and biometric verification through Smile ID before quoting rates. Additionally, merchants must maintain an active cash collateral deposit on the platform.
Yes. Paytali is accessible through our responsive web app and native mobile apps for iOS and Android, allowing you to check live rates, manage exchanges, and track transfer progress on the go.
Paytali operates as a non-custodial peer-to-peer technology platform connecting buyers with verified merchant brokers. Settlement occurs directly between local bank accounts, adhering to applicable currency regulations and compliance standards.
Start exchanging at the live market rate.
See the current rate, review your exchange, and send your money securely.