Your default settlement wallet determines where incoming crypto deposits are credited after conversion. It is determined by the country you selected when you registered your business account. Nigerian businesses default to the NGN wallet, while Ghanaian businesses default to the GHS wallet.
Wallet options
Local Wallet (NGN or GHS)
This is the default setting. All deposits are converted and credited to your local wallet. Best for businesses that primarily settle in Naira or Cedis, or need funds readily available for local withdrawals.
USD Wallet
Deposits are converted to USD and credited to your USD wallet. Useful if your business wants to reduce local currency exposure, hold value in USD, or fund stablecoin-related flows.
How to change your default wallet
Go to Settings > Crypto Settings, select your preferred wallet, and save your changes.
Please Note: Changing your default wallet only affects new deposits. Deposits already received or in progress will follow the wallet setting that was active at the time they were made.