How to Save, Trade, and Make Payments with AZZA — The WhatsApp-Based Crypto Wallet

The Evolution of Crypto Transactions in Nigeria

I started my crypto journey in 2020, and one of the first exchanges I used was Binance. Back then, funding my wallet as a Nigerian was easy—you could use a bank transfer or debit card to get your wallet funded within minutes.

But everything changed in 2021 when government regulations restricted direct crypto transactions with banks. This shift forced users to adopt P2P (peer-to-peer) exchanges, bringing them into the spotlight.

While P2P platforms solved our problems—allowing us to save in dollars, trade, and make international payments—they also came with trust and reliability issues:

❌ Some traders fail to send payments on time.

❌ Some send less than agreed or cancel trades last minute.

❌ Some outright attempt to scam users.

There are countless reports about incidents like this on x.com

Because of these issues, many people stick to their trusted merchants on WhatsApp and Telegram, preferring personal relationships over anonymous P2P exchanges. However, even merchants have limitations:

• A merchant might be trustworthy but unreliable (e.g., unavailable at odd hours).

• You can't always get an instant response or automated transactions.

This is where AZZA changes everything.

Introducing AZZA – Your AI Crypto Agent on WhatsApp

AZZA is an AI-powered crypto agent built into WhatsApp, allowing users to:

✅ Save in dollars by purchasing stablecoins (USDT/USDC).

✅ Trade cryptocurrencies seamlessly.

✅ Make secure and instant payments.

AZZA is available 24/7, unlike human merchants, ensuring you can transact anytime, anywhere.

Here’s how it works:

1. How to Save in Dollars/Crypto using AZZA

If you are interested in saving dollars but don’t know how to go about it, this is for you. You can simply purchase USDT or USDC (digital tokens pegged to the dollar) using AZZA and store them in your hardware wallet or software wallet for safety.

How to Save Crypto with AZZA:

1️⃣ Open WhatsApp and start a chat with AZZA AI. Say "Hello" to initiate the conversation.

2️⃣ If you're new, create your wallet following the bot's instructions. You will be asked to create a transaction PIN as well.

3️⃣ To purchase USDT or USDC, you will need to complete KYC verification. Start the process using the command /verify_me (takes about 5 minutes if your documents are ready).

4️⃣ Tell AZZA you want to buy USDT or USDC on your preferred chain (e.g., USDC on Base or USDT on Solana). You can also use the command /buy.

5️⃣ AZZA will respond with a form to collect your payment method and the amount you want to save in USD. The conversion rate will be displayed for confirmation.

6️⃣ Once you approve, AZZA will provide an account number or mobile money so that you can deposit the required amount in Naira or Kenyan shillings.

7️⃣ After confirming your payment, AZZA will credit your wallet with the corresponding USDT or USDC.

🔹 Why Choose AZZA for Saving Crypto?

• More reliable and trustworthy than traditional P2P exchanges.

• Easier conversion to cash whenever you need it.

• No need for complex wallet apps—use WhatsApp directly.

2. Trading Crypto with AZZA

AZZA provides a smooth trading experience without leaving WhatsApp. You can trade and swap supported tokens like on a decentralized exchange (DEX).

How to Trade Crypto on AZZA:

1️⃣ Open WhatsApp and chat with AZZA.

2️⃣ Use the /swap command or simply type: I want to swap 0.5 ETH to USDT on Ethereum.

3️⃣ Follow the agent’s instructions—confirm the transaction and enter your PIN.

4️⃣ AZZA instantly executes your trade and sends you the transaction hash via WhatsApp.

5️⃣ Check your balance using /balance or asking, 'What is my balance?' or 'Sol balance' / 'USDT balance' (to specify the cryptocurrency balance you are interested in).

🔹 Why Trade Crypto with AZZA?

• AZZA brings the DeFi experience to WhatsApp, allowing seamless swaps.

• Your trades remain organized in one place —from fiat to crypto and back to fiat.

3. Making Payments with AZZA

AZZA makes crypto payments as easy as sending a WhatsApp message. Transactions are quick and simple whether you’re paying a friend, business, or international vendor.

a) How to Make Crypto Payments with AZZA:

1️⃣ Open WhatsApp and chat with AZZA. Use the /withdraw command or simply type: I want to withdraw.

2️⃣ AZZA will ask for transaction details such as asset type, chain, amount, and recipient’s WhatsApp number or any valid wallet address. Your response should be in this format:

Send 20 USDC on Base to 234801234567(or 0x...)

Pls note for the phone number to work it must be on WhatsApp and Azza

3️⃣ AZZA will show a transaction summary. Confirm and enter your transaction PIN.

4️⃣ The transaction is initiated, and the recipient receives the payment instantly.

🔹 Why Use AZZA for Crypto Payments?

• No complicated wallet addresses—just a WhatsApp number.

• Zero gas fee, ideal for remittances.

• Perfect for everyday payments and international transfers.

b) How to Make Cash/Fiat Payments with AZZA:

1️⃣ Open WhatsApp and chat with AZZA. Use the /sell command or type: I want to sell USDC on Base.

2️⃣ If you haven't saved the recipient’s details, add a new beneficiary to input the bank account or mobile money details. If you have added the beneficiary, select choose beneficiary details.

3️⃣ AZZA will present a form to input the amount you want to send in fiat or USD and the conversion rate.

4️⃣ Review the payment summary. Confirm and enter your PIN to complete the transaction.

🔹 Why Use AZZA for Cash Payments?

• Instant, secure, and low-cost transactions.

• Ideal for every day and cross-border payments.

Why AZZA is the Future of Crypto Transactions

AZZA bridges the gap between crypto and fiat, making payments and trading as simple as sending a text. Imagine needing to send money to a friend abroad— rather than struggling with multiple platforms and high fees, you send a message on WhatsApp, and AZZA handles the rest, instantly converting and transferring the funds securely.

✅ Available 24/7—no more waiting