Safe & secure
Customer funds are held by our regulated payment partners, not on our books. Every action is protected by device-level biometrics and bank-grade encryption.
USD wallet & card for Africa
Hold US dollars, get a secure virtual card, and pay for international services — subscriptions, shopping, travel — without the friction of local cards. Built mobile-first for freelancers, creators, and everyday users in Nigeria, Kenya, and beyond.
Download on theApp StoreGet it onGoogle Play
Launching soon on iOS and Android.
Virtual•••• •••• •••• 4221
Cardholder
CHIDI OKAFOR
Currency
USD
Why LCash
Experience the convenience of paying the whole world in one app
Transparent fees
One clear fee per top-up and one FX rate you can see before you confirm. No hidden markup, no surprises at the end of the month.
Speed
Top up in minutes, spend the same second. No three-day settlement windows, no waiting for a bank manager to approve your dollar request.
Built for Africa
Designed from day one for Nigerian and Kenyan users — local funding methods, mobile-first flows, and support that understands the context.
Real USD balance
Hold actual dollars in your wallet, not a synthetic token. Spend them, save them, or pay international merchants directly from the app.
Global acceptance
Your virtual card works at Netflix, AWS, Amazon, Steam, Spotify, and any merchant that accepts Visa or Mastercard — which is just about everywhere.
How it works
Your USD account in three steps
From download to first payment in minutes — no branches, no queues, no paperwork.
Create your account
Get started
Easy sign up
Create your account in a few taps — phone number, email, and a short KYC check with NIN or national ID plus a selfie.
LCashVirtual
$ 2,500.00
Cardholder
CHIDI OKAFOR
Currency
USD
Linked successfully
Top up and get your card
Fund your wallet from a Nigerian or Kenyan card, bank transfer, or M-Pesa. Your virtual card is issued instantly.
Recent transactions
NNetflix-$ 15.49
AAWS-$ 62.30
SSpotify-$ 9.99
Pay anywhere in USD
Subscribe, shop, travel. Every payment lands in the exact amount the merchant expects — no Naira or Shilling declines.
A peek inside the app
Your USD balance, a virtual card ready for Netflix, AWS or Amazon, and every payment in one place.
Balance & quick actions
Virtual cards
Transactions
Reviews
Early users across Lagos, Nairobi, Abuja and Mombasa
We’re in closed beta. Here’s what testers are telling us about paying for international services with a LCash card.
ChatGPT Plus, AWS and GitHub used to be a monthly lottery on my Naira card. With LCash I top up once, every renewal just clears, and I see the exact USD before I confirm.
Chinedu Obi
Software engineer, Lagos
Adobe, YouTube Premium and Spotify all auto-renewed on the LCash card without a single decline. One wallet, one rate — no more juggling workaround apps at the end of every month.
Amara Kimani
Content creator, Nairobi
NIN and selfie, card issued, first Upwork payout landed in my USD balance the same evening. Next morning my ChatGPT Plus and iCloud both renewed first try. This is how fintech should feel.
Tunde Adekunle
Freelance developer, Abuja
Shopify, Amazon Prime, Netflix and Steam — my four biggest monthly bills all run off the same LCash card. First-try clearance, no evening of retries at month-end.
Wanjiru Mwangi
Online store owner, Mombasa
FAQ
Frequently asked questions
Everything you need to know before the app goes live. Still have a question? Get in touch.
What is LCash?
LCash is a mobile app that gives you a US dollar balance and a virtual Visa/Mastercard card. You can hold dollars, pay for international subscriptions, shop online globally, and send USD — all from your phone.
Which countries do you support?
We're launching first in Nigeria and Kenya, with more African markets to follow. If your country isn't live yet, you can still download the app and join the waitlist from inside it.
How do I sign up?
Download LCash from the App Store or Google Play, enter your phone number and email, and complete a short KYC check (NIN or national ID + selfie). The whole flow typically takes a few minutes.
Is my money safe?
Yes. LCash itself is not a bank — we act as an authorized agent of our regulated payment providers, who hold customer funds and issue the USD card. Your money is kept with these regulated partners and never mixed with LCash company funds. All data is encrypted in transit and at rest, and we follow Nigeria's NDPA and Kenya's DPA for personal data.
What fees do you charge?
We keep pricing simple and transparent — no hidden FX markups. See the full breakdown on the Fees page.
When is the app launching?
We're in the final stages of testing and submission to the App Store and Google Play. Check back here, or follow us on social, to be notified the moment it goes live.
Ready when we launch?
We’re building something you can trust with your money. The app drops on the App Store and Google Play soon.
Download on theApp StoreGet it onGoogle Play