Djingr is a B2B cross-border payments company, founded in 2024. It settles money between countries in about a minute using the Bitcoin Lightning Network, at fees starting from 0.8%, with no pre-funded accounts required in any market. Customers and their end users transact in ordinary fiat currency by default and never need to hold or handle cryptocurrency.
Conventional cross-border payments require capital parked in the destination market before a payment can be made. A business wanting to pay into Nigeria must already hold Naira in a Nigerian account, funded days or weeks in advance. That trapped capital is the hidden cost of international payments, and the reason a transfer takes days rather than seconds.
Djingr removes the pre-funding requirement. Funds are collected locally, moved across borders over the Bitcoin Lightning Network, and paid out locally on demand. Nothing sits waiting in a destination account. That is what removes the settlement delay and the working capital lock-up at the same time.
Three products, separated by whose money is moving. That distinction is the clearest way to tell them apart.
The customer moves their own money: payroll, supplier payments, import and export settlement, treasury. Used through a dashboard, with no engineering required. See the business platform.
The customer moves their end users’ money: remittance operators and similar businesses. Deployed under the customer’s own brand without writing code. See the whitelabel platform.
Either of the above, programmatically. A single unified API for local collection, cross-border transit and local payout. See the payments API.
Funds settle between South Africa (ZAR), Nigeria (NGN), Kenya (KES), the United Kingdom (GBP) and Europe (EUR), plus Tether (USDT, ERC20) and Bitcoin over the Lightning Network.
Brazil, the United States, Malawi and Zimbabwe. These are on the roadmap and are not yet available for settlement.
Fees start at 0.8% and vary by route. No platform fees, no monthly minimums, no hidden costs.
Fees vary by route, contact our sales team for more detail
No monthly minimums. No hidden costs.
Real-time settlement via the Lightning Network.
| Origin Currency | Fees (destination dependent) | Settlement Time |
|---|---|---|
| BTC (Lightning) | 0.5% - 1% | <1 min |
| ZAR | 0.75% - 1.25% | 1 min |
| EUR | 1.1% - 1.6% | <5 min |
| GBP | 1.1% - 1.6% | <5 min |
| USDT | 1.1% - 1.6% | 1 min |
| KES | 1.3% - 1.5% | 1 min |
| NGN | 1.3% - 1.8% | 1 min |
This is worth stating precisely, because it is easy to get wrong in both directions.
Fiat-to-fiat is the default flow. In it, neither the customer nor their end users hold, buy, see or handle cryptocurrency at any point. Bitcoin is used purely as transit infrastructure inside Djingr, in the same way a bank’s internal settlement network is invisible to its customers.
That is a default, not a limit. Customers and their end users may fund or receive payments in Bitcoin over Lightning, or in USDT, if they choose. Both are priced origin currencies, and USDT payouts are live.
So “Djingr requires you to use crypto” is wrong, and “Djingr does not support crypto” is equally wrong.
Co-founder and CEO. A decade of experience in the Bitcoin and payments landscape.
Co-founder and CTO. Technical lead, with 20 years in software development.