Top 3 Apps to Convert Bitcoin (Lightning) to Naira in 2026

If you have Bitcoin on Lightning and need Naira in your account, here are the three apps that actually get it done.

The Lightning Network changed everything about spending Bitcoin. Transactions that used to take minutes and cost a fortune now settle in seconds for almost nothing. The problem? Most people in Nigeria still need Naira. Bills don't wait for blockchain confirmations.

This article is for people who already hold Bitcoin on Lightning and want to know the fastest, most reliable ways to turn it into Naira directly into a Nigerian bank account.

We compared three apps doing this well right now: Tapnob, Bitnob, and Mavapay. Here is what you need to know.

What Makes a Good Lightning-to-Naira App?

Before the list, here is what actually matters:

• Speed - how fast does Naira land in your account after you send Bitcoin?
• Rate transparency - do you see the exact rate before you confirm, or do you find out after?
• Ease of use - can someone send for the first time without calling anyone?
• Limits - what can you send without going through full verification?

Keep these in mind as you read.

1. Tapnob

Best for: Fast, no-friction Lightning conversions

Tapnob is built specifically around one promise, send your asset, receive Naira instantly. No P2P. No middlemen. No waiting.

You enter the amount you want to send, pick your asset (Bitcoin via Lightning), and Tapnob shows you exactly how much Naira will land in your account before you confirm anything. The rate is locked. What you see is what you get.

Naira settles to a Nigerian bank account or mobile wallet, typically within a minute of sending.

What stands out:

• Rate shown and locked before you send
• Works without an account for smaller amounts
• Clean, fast interface built for everyday use
• Also supports USDT (BEP20, TRC20, ERC20, Solana) and USDC not just Bitcoin
• Now live inside Fedi as a mini app, so Fedi users can convert without switching apps

Limits: Min ₦3,000 | Max ₦1,400,000 per transaction

Try it: tapnob.com

2. Bitnob

Best for: Users who want a full Bitcoin banking experience

Bitnob is one of the most established Bitcoin apps on the continent. It started as a savings and remittance platform and has expanded significantly. Their Lightning integration lets users send and receive sats, and they have a feature that lets you convert Bitcoin directly to Naira.

The app has a strong track record and a large user base across Nigeria and other African countries. If you are already in the Bitnob ecosystem using their savings features, receiving remittances from abroad, the Lightning-to-Naira flow fits naturally into how you are already using the product.

What stands out:

• Established product with a long track record
• Bitcoin savings and yield features alongside conversion
• Remittance use cases well supported
• Active community and good support

Worth knowing: Bitnob is a fuller product with more features, which means slightly more setup. If you just want to convert and go, the experience is a bit heavier than Tapnob.

3. Mavapay

Best for: Businesses receiving Bitcoin from international clients

Mavapay is best for business and freelancer use cases getting paid in Bitcoin from clients abroad and converting to Naira. Their Lightning integration reflects that positioning. If you are a developer, designer, or consultant invoicing international clients in sats, Mavapay gives you structured tools to manage those flows.

What stands out:

• Business-friendly interface and invoicing tools
• Lightning address and invoice generation
• Suited for recurring or professional payment flows

Worth knowing: Mavapay is optimized for receiving and converting, rather than a general-purpose spend or sell tool. Consumer users doing one-off conversions may find Tapnob more straightforward.

The Bigger Picture

Lightning is not a niche technology anymore. It is how Bitcoin moves in 2026. The apps on this list are proof that the infrastructure is here. You do not need a dollar account, a P2P trader on WhatsApp, or a friend who "knows how to do it."

You just need the right tool.

Ready to try Tapnob? Convert Bitcoin, USDT, or USDC to Naira at tapnob.com no account required to get started.