If you are a freelancer about to receive your money in crypto, there is no doubt that finding the best crypto wallet which is very compatible with USDT and charges little to no fee can be challenging.

Today, there are hundreds of crypto exchanges which offer their users the ability to own USDT wallets where they can trade or receive payment.

However, the downside of most of these exchanges is that they charge hefty fees when trading on their platforms.

This is why below, I have written on the best USDT wallets in Nigeria that Nigerian crypto traders can use at little to no cost.

I have tried out these exchanges, and they offer a stress-free user experience while providing a high level of security for your funds.

Best USDT wallets in Nigeria
Whether you are looking for a wallet compatible with ERC-20 USDT, TRC-20 USDT, or BEP-20 USDT, the wallets below are highly recommended.

Roqqu
Roqqu is proudly one of the best Nigerian crypto exchanges and very much meets the needs of any Nigerian crypto trader (including crypto traders in Ghana).

This crypto exchange has over 100 cryptocurrencies listed on its platform. Users can easily buy and sell USDT, BTC, ETH and many other cryptocurrencies on the platform.

With Roqqu, you can buy crypto in multiple currencies like Naira, Dollars, Cedis, Pounds, and Euros via your credit card or bank transfer.

Roqqu also provides the ability to swap tokens, pay bills via crypto and receive payment in fiat currencies from anywhere in Africa. The exchange is also designed for business owners to accept payments from their customers anywhere in the world.

The exchange has a robust savings & loan feature that sets it apart from any other Nigerian crypto exchange.

Trading on Roqqu Exchange comes with minimal cost. To withdraw your crypto assets on the platform comes with a little charge, and this largely depends on how large the crypto amount is and where it will be sent.

Bitmama
Bitmama is a p2p crypto exchange founded in 2017 and offers various trading services on its platform. Over ten cryptocurrencies are listed on its exchange, including BTC, ETH, USDT, XRP, etc.

Users of this crypto exchange can also get crypto credit cards, which they can use to buy crypto, buy goods from anywhere in the world, and pay for any service.

Bitmama’s P2P feature allows users to buy crypto, especially USDT, at a favourable market rate. Users who need cash immediately can easily trade their USDT for Naira on the exchange at a favourable market price & fast.

The exchange is available in almost 20 countries, including the U.K., and charges little to no trading fees.

Quidax
Quidax is also a Nigerian crypto exchange which launched in 2018. It has its headquarters in Lagos, Nigeria and is available in over 50 countries, including Ghana.

This crypto exchange has over 70 cryptocurrencies listed. Users can buy and sell USDT, BTC, ETH and many other cryptocurrencies.

Quidax allows users to swap, deposit or save their cryptocurrencies for high rewards on its exchange. Users can buy crypto in Naira or Dollars and also receive their crypto through internal transfers from other Quidax users via their username or by receiving crypto via their wallet address.

Quidax also has an “Order book” tool which crypto traders can use to trade any cryptocurrency they choose in real-time. However, this tool is designed for expert traders. You will need specialist trading to trade crypto using this tool.

Busha
Busha is a crypto exchange which began operating in Nigeria in 2019 before expanding its crypto operations to Kenya in 2023.

This crypto exchange has over 50 cryptocurrencies listed on it. Users can easily buy and sell USDT, BTC, ETH and many other cryptocurrencies on the platform.

Users can also buy and sell crypto in Naira, Dollars, or Kenyan Shilling through its P2P feature, add cash to their voucher via peer-to-peer cash deposit, send & receive crypto, and earn crypto through staking your USDT OR USDC.

Busha offers 8% APY (average percentage yield) whenever you save or stake your stablecoins on the platform.

On this exchange, customers can buy airtime data, & top up their betting wallets (over 35 betting wallets supported, including Bet9ja and 1Xbet) while buying shopping vouchers from favourite stores like SLOT, Shoprite, Spar, Healthplus and over 50 more.

You get a 5% discount when you buy any voucher.

Yellow Card
Unlike other crypto exchanges listed above, Yellow Card is an African crypto exchange.

It was founded in 2016 but began operations in Nigeria in 2019. Today, this exchange is available in 20 countries and has over 1.7 million customers.

Users of this exchange can buy BTC, ETH, USDT, PYUSD, USDC, and many other cryptocurrencies via local bank transfers, mobile money or P2P funding.

The platform supports local currencies like Naira, Cedis, Kenyan shillings, USD, GBP, etc.

Yellow Card offers a range of services beyond trading crypto. These services include bill payments & remittances. Users can purchase airtime and data via crypto, buy or sell USDT via its P2P feature, etc.

How to open a USDT wallet on Roqqu
Opening a USDT wallet on the Roqqu app is a straightforward process, and it comes at little to no cost.

To open a USDT wallet on Roqqu, follow these quick steps below.

Step 1: Go to the app store and download the app to your device. You can download Roqqu on your Android or iOS device with ease.

Step 2: Sign up, create a strong password for your wallet, and do your KYC. Doing this will help you secure your account and open up more abilities to trade higher amounts on the exchange.

Step 3: Once you log into your Roqqu account, you will be assigned a general wallet to deposit your money. You can choose if you want your wallet to be in Naira, Cedis or Euro.

Once you have selected a wallet type, you can deposit your money in that general wallet at no cost. It will reflect once you do so.

Step 4: However, to check out your USDT wallet, click on the wallet section on the app, and you will see all the cryptocurrencies listed on the exchange.

Scroll down and click on Tether USDT. Once you do so, you will immediately see the option to send USDT, receive USDT, or Swap your USDT for another token.

You will also be shown the current price of USDT in your local currency or the currency you selected on the app. You also get to buy or sell your USDT, thanks to the options provided.

If you choose to buy, select the buy option and put in the amount you want to buy. The equivalent of it in USDT will be shown to you.

Note: Roqqu uses the amount in your general wallet to carry out this trade. This means you will have to fund your general wallet to buy USDT.

This also applies to if you want to sell your USDT for fiat on the app.

Step 5: If you want to receive USDT, click on receive USDT. Select your preferred network. You should know that Roqqu is compatible with only TRC-20 & BEP20 USDT.

Once you do so, click on generate wallet address. Roqqu will immediately generate your unique wallet address, which you can send to anyone to receive your funds.

Following these steps makes it easy to trade and receive USDT in your account. You can also save your USDT for high rewards and pay bills like airtime, data, electricity, etc.