🏦
Straight to your bank
Any Nigerian bank. Enter your account number, confirm the name, and we send the full gift amount to your bank — no Owoche account needed.
✨ A feature of Owoche
Where links
Where links
unwrap gifts.
Send digital gifts with real cash surprises — no recipient details needed. Recipients scan, tap, or paste to cash out instantly.
Have a token? Paste it on the redeem page or scan its QR code.
Three ways to cash out.
Pick whichever's easiest for you.
📱
Into your Owoche wallet
Already have Owoche? Open the app and the gift lands directly in your wallet — instant, no fees, no waiting.
🎁
Redeem in the app
Download Owoche and redeem there to unlock cashback, referral bonuses, and the full SmartAza experience.
From shared link to cash, in three steps.
1
Send a token
Open the Owoche app, pick a template, choose how it unlocks (giveaway, OTP, or sender-approved), and you get a shareable link or QR.
2
Recipient unwraps
They land here, scan or paste the token, and we verify it against your Owoche wallet.
3
Cash out anywhere
Straight to a Nigerian bank, into an existing Owoche wallet, or via the app for the best rate.
An occasion for every gift.
23+ templates — pick the one that fits the moment.
🎂
Birthday
💍
Wedding
🎄
Christmas
🐣
Easter
🎓
Graduation
👶
Naming
Bank-grade
HMAC-signed requests, OTP-gated tokens, audited ledger.
CBN-aligned
Operated within Nigerian fintech rules by Transingenium Innovations Ltd.
No fees on redemption
Sender pays at creation. Recipient receives the full amount.
Got a SmartAza link?
Cash out in under a minute. No Owoche account required for bank withdrawal.
Redeem now →