According to the website, www.enaira.com, “eNaira is a CB -issued digital currency that provides a unique form of money denominated in Naira.”
Find out what makes the eNaira different from the money in your bank account — according to the apex bank itself.
eNaira is a central bank digital currency (CBDC) issued by the Central Bank of Nigeria as a legal tender. It is the digital form of the Naira and will be used just like cash.
The eNaira wallet is a digital storage that holds the eNaira. It is held and managed on a distributed ledger.
The eNaira wallet is required to access, hold and use eNaira.
Yes. The eNaira system uses a two-factor authentication system in addition to cryptographic encryption to ensure the safety of customers’ wallets and the eNaira holding.
For smartphone users, download the eNaira app (termed “Speed”) from either the Google Play Store or Apple Store and complete the registration process.
For feature phone users, utilize USSD codes and follow the registration prompts.
The eNaira app allows customers to identify a bank of their choice, connect to their bank accounts and perform transactions.
eNaira is the digital form of the cash and is a direct liability on the Central Bank of Nigeria while the customer deposits are direct liabilities on the financial institutions.
Reach out to the customer support of the bank you selected when registering for eNaira through their available channels which include: phone, email, whatsapp, etc. Disputes will be resolved as soon as possible.
If issues are not resolved within 48 hours, send an email to CBN’s eNaira Customer Support via helpdesk@enaira.com
These are different tiers of wallets and they include:
| TIERS | CATEGORY | REQUIREMENT | DAILY LIMIT | CUMULATIVE LIMIT |
|---|---|---|---|---|
| 0 | No Existing Bank Account | NIN verified telephone number | 20,000 | 120,000 |
| 1 | No Existing Bank Account | 50,000 | 300,000 | |
| 2 | Has an Existing Account | BVN + valid means of identification | 200,000 | 500,000 |
| 3 | Has an Existing Account | Tier 2 requirement + public utility receipt | 500,000 | 5,000,000 |
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