Effective from 21 August 2026
Welcome to Cash-in App, a platform designed to provide seamless and secure crypto-to-Naira services, owned and operated by Macroblocs Limited ("the Company"). These Terms of Use apply to all Cash-in services, including our website (cash-in.app), our mobile application, our WhatsApp chatbot, our Telegram chatbot (@cashin_app_bot), and our blog (https://cash-in.app/blog). By accessing or using any of these services, you ("the User") agree to follow these Terms of Use, which form a legally binding agreement between you and Macroblocs Limited (also referred to by its trading name, Cash-in App). The Company reserves the right to modify these Terms as required, so please review them regularly to stay informed of any changes. Your continued use of Cash-in App or any of its channels after changes are posted constitutes acceptance of those updates. If you disagree with any part of these Terms, please refrain from using Cash-in App.
To use Cash-in App, you must be at least 18 years old and have the legal capacity to enter into a binding agreement with the Company. By registering, you confirm that you meet these requirements. If you do not meet these requirements, your account may be suspended or terminated. Additionally, Cash-in App is not responsible for verifying your eligibility or legal capacity, so please ensure you meet the necessary requirements before using our services. Cash-in App services are only available to users located in Nigeria. The service is not available in other jurisdictions due to regulatory restrictions. Users are responsible for ensuring that their use of Cash-in App complies with the laws and regulations of the Federal Republic of Nigeria. The Company reserves the right to restrict or terminate access to the platform if eligibility requirements are not met or are violated.
To access our services, you must create an account with Cash-in App and complete the required Know Your Customer (KYC) process. This process ensures that we verify your identity in compliance with anti-money laundering and other legal obligations. You agree to provide accurate and up-to-date information during registration, and you are responsible for maintaining the confidentiality of your login details. If you suspect unauthorized access to your account, please notify us immediately so we can secure your account. Your Cash-in App account is personal to you, and transferring or sharing your account with others is not permitted.
Our main service is the instant conversion of cryptocurrency into Naira and facilitating automated payout to the user's nominated bank account. Exchange rates are determined from prevailing market rates. We operate an arbitrage model and maintain a spread from market rates, which is determined solely by Macroblocs Limited. We reserve the right to change the spread at any time, both in size and timing, without prior notification to users. Changes in our rates due to changes in spread or prevailing market rates are reflected in real-time on the app homepage. We maintain different spreads for different transaction volumes as we see fit, with higher volume trades attracting lower spreads, meaning better rates for higher volume transactions. When you receive a transaction in your Cash-in wallet, you agree to the current exchange rate displayed in the app. Please review these details carefully before confirming your transaction, as all conversions are final and cannot be reversed.
We facilitate automated payouts directly to your nominated Naira bank account. These payouts are processed through verified third-party payment fulfillers, whose sole function is to receive and execute fiat payment orders. We only share your payment details with these third-party fulfillers to complete your transactions. If bank details are incorrect, payment will be held until a valid bank account is supplied through the app. Currently, payments to third-party accounts are allowed for all KYC-verified accounts. However, in the future, only accounts that have completed address verification will be permitted to pay to third-party accounts. When payments fail, we will retry until the payment goes through or you provide an alternate bank account to receive it via the app. In some cases where a payout cannot be completed after repeated attempts, the affected transaction may be set aside for manual review and you may be asked to provide or update your bank account details so that it can be re-processed. While we aim for fast and efficient processing, please note that processing times may vary depending on the network and third-party processor. Understand that there are inherent risks involved with cryptocurrency transactions, which are detailed further in Section 7 of our Terms.
From time to time, and entirely at our discretion, we may provide a goodwill credit or reward to a user in connection with a delayed payout. Any such credit is discretionary and promotional in nature, is not an admission of liability, is not guaranteed, and does not create any entitlement or ongoing obligation. We may change, limit, or discontinue any such goodwill or delay-compensation arrangement at any time without prior notice. Nothing in this section limits the disclaimers regarding delays set out in these Terms or in our Disclaimer.
Cash-in App is not a financial advisory platform, and nothing on our website or app should be construed as financial advice. Any information provided on Cash-in App is purely informational, intended to help you understand our services and the crypto-to-naira conversion process. We encourage users to consult with a qualified financial advisor if they have questions about cryptocurrency or financial matters. Decisions about buying, selling, or holding crypto should be made independently. Macroblocs Limited does not provide investment or financial advisory services and therefore disclaims any liability for financial decisions made based on information from the platform.
Cash-in App provides each user with a unique wallet address on supported networks for receiving cryptocurrency exclusively for conversion to Naira. This address is intended only for transactional purposes and is not provided to users asset storage or holding purposes. Any crypto sent to a Cash-in wallet address is automatically processed for conversion into Naira in line with our regular operations, and we do not support crypto withdrawals from these wallets. If you require a wallet for storing assets, consider using other providers that specialize in secure asset storage. Macroblocs Limited is not responsible for lost funds due to misuse of Cash-in App wallets for storage purposes. For the avoidance of doubt, Macroblocs Limited does not provide asset storage services.
Users of Cash-in App agree to use the platform solely for lawful purposes, abiding by all applicable local and international laws. You are responsible for the accuracy of all information you provide, and for ensuring that your account activity is legal and within the platform's intended use. Users are also responsible for keeping login information secure to prevent unauthorized access. We reserve the right to report, suspend and/or terminate accounts involved in suspicious, illegal, or non-compliant activity locally or internationally in accordance with our anti-money laundering policies. By agreeing to these terms, you accept personal responsibility for the security and legality of your transactions on Cash-in App, and are subject to all our anti-money laundering policies and procedures.
At this time, Cash-in App charges zero transaction fees on all transactions. This means you can convert cryptocurrency to Naira without any deductions. We aim to maintain this fee-free structure for your benefit, though the Company reserves the right to introduce fees in the future if necessary. Any updates to our fee policy will be communicated to all users prior to taking effect. Enjoy the current fee-free transactions and seamless experience provided by Cash-in App!
Completing KYC is required to transact on Cash-in App. Accounts that registered on or after 14 April 2026 must complete KYC before they can carry out any conversion or receive any payout. Certain accounts that registered before that date may be permitted to convert limited volumes before completing full KYC, up to a cumulative threshold determined by us, after which KYC must be completed to continue transacting. Transactions on profiles that have not completed required KYC will be withheld until KYC is completed.
Even after KYC is completed, transactions and payouts remain subject to operational, banking, network, and compliance limits, including minimum and maximum payout amounts and minimum cryptocurrency deposit amounts, which vary by asset, network, and payment partner and may change at any time without prior notice. We monitor all transactions and may require that you supply proof of source of funds from time to time in compliance with our anti-money laundering obligations. Very large or unusual transactions may be subject to additional review before they are processed. You agree to provide any requested documentation promptly to avoid delays in processing your transactions.
All transactions on Cash-in App are final and non-reversible once confirmed. By initiating a transaction, you acknowledge and accept that you cannot cancel, reverse, or modify the transaction after it has been processed. Sending unsupported tokens to a Cash-in wallet address will result in permanent loss of funds, and Macroblocs Limited shall not be liable for any such loss. It is your responsibility to ensure you are sending only supported cryptocurrencies to the correct wallet address.
Using cryptocurrency involves inherent risks, including significant crypto price fluctuations, exchange rate fluctuations, regulatory uncertainties, and potential financial loss. By using Cash-in App, you acknowledge these risks and accept that cryptocurrency values can change rapidly and unpredictably. Market fluctuations and delays in blockchain processing times are beyond Cash-in App's control. The Company is not liable for losses resulting from market volatility, system errors, or delays in transaction processing. Users are encouraged to make informed decisions and to recognize that they bear full responsibility for risks associated with cryptocurrency. Consult financial professionals if you are unfamiliar with crypto-related risks or uncertainties. Cash-in App disclaims liability for losses resulting from market dynamics or user actions.
Cash-in App values your privacy and takes data protection seriously. Our Privacy Policy details what personal data we collect, the legal basis for each purpose, who we share it with, and how long we keep it, in compliance with applicable data protection laws. In our case, the applicable data protection law is the Nigeria Data Protection Act 2023, together with the Nigeria Data Protection Commission's General Application and Implementation Directive 2025. For the purposes of that Act, Macroblocs Limited is the data controller. User data is used only for legitimate operational purposes, such as identity verification, legal and regulatory compliance, cooperation with law enforcement where it is deemed necessary by us as guided by the laws of the Federal Republic of Nigeria, and customer support. We keep the security measures described in our Privacy Policy in place to protect user data from unauthorized access or misuse. No system is completely secure, and we do not represent that it is; users are encouraged to practice caution and vigilance. For more details, including the specific measures we maintain and how to exercise your data rights, please review our full Privacy Policy.
All content, including logos, trademarks, and intellectual property found on Cash-in App, is owned by Macroblocs Limited. Unauthorized use, reproduction, or distribution of content is strictly prohibited unless express written permission is granted. You agree not to infringe on our intellectual property rights through any means, including reverse engineering, duplication, or manipulation of Cash-in App's software. If you believe your intellectual property has been used on Cash-in App without authorization, please contact us to resolve the matter. We are committed to respecting intellectual property rights and expect users to do the same.
If a dispute arises, we encourage you to contact Cash-in App customer support to seek resolution. Should disputes require escalation, mediation or arbitration must be used within Nigeria before pursuing legal action. This approach fosters a fair and prompt resolution process for both parties. Users agree to these methods as a condition of using Cash-in App. This provision does not limit your legal rights but seeks to ensure a smoother resolution process.
Cash-in App operates scheduled maintenance windows every Monday between 00:00 (midnight) and 02:00 (2:00 AM) West Africa Time. During these scheduled maintenance windows, services may be temporarily unavailable. In addition to scheduled maintenance, we may experience unscheduled technical issues that result in service downtime. In the event of unscheduled downtime, we will make every effort to restore services promptly, with a maximum downtime period of 48 hours. Macroblocs Limited shall not be liable for any losses or inconveniences arising from scheduled or unscheduled service interruptions. We will notify users of extended downtime periods as soon as practicable through available communication channels.
Cash-in App may offer optional promotional reward programs to eligible users. All rewards are promotional in nature, are not guaranteed, do not constitute wages, interest, investment returns, or stored value, and create no entitlement beyond what we expressly credit under these Terms and our prevailing program rules. Only KYC-verified accounts are qualified to participate in reward programs or to receive or withdraw any rewards. Any reward amounts shown in the app, on our website, or in notifications are indicative only; the amount you are actually able to earn or withdraw is determined by our prevailing reward calculation, eligibility rules, and available promotional inventory at the relevant time.
Our current reward systems include the following (we may add, change, or remove programs at any time):
We may also, entirely at our discretion, offer other promotional credits (including goodwill or delay-related credits described in Section 4.2). Those credits are separate from, and subject to the same promotional limitations as, the reward systems above.
Valid while stocks last: All rewards, bonuses, prizes, and promotional credits are offered only while promotional stocks, budgets, or inventory last. We may cap, pause, reduce, or exhaust any reward category at any time without prior notice. Eligibility to earn does not guarantee that a reward will be available, credited, or withdrawable.
Reward balance and year-end reset: Rewards credited to your account form a promotional reward balance. Your reward balance can and may be reset (including reduced to zero) at or around each calendar year end, or at such other periodic reset date as we determine, without prior notice and without compensation for any unwithdrawn balance. It is your responsibility to withdraw eligible rewards before any reset, subject to the withdrawal conditions below. We are not liable for any loss of unwithdrawn reward balance arising from a reset, expiry, or program change.
Reward earnings are subject to withdrawal conditions, including minimum withdrawal amounts and the method of payout. Smaller balances may only be withdrawable as mobile airtime to a Nigerian phone number you provide, while larger balances may be paid to a verified bank account on your profile. Some rewards (such as KYC bonuses) may additionally require recent qualifying activity on your account before they can be withdrawn. You must have completed KYC to withdraw any reward earnings. Rewards that have not been successfully withdrawn remain subject to program rules, including year-end or other resets and "while stocks last" limits.
To protect the integrity of our reward programs, we may withhold, reduce, forfeit, reverse, expire, or zero rewards, and may ban an account from earning or withdrawing rewards, where we detect duplicate or shared identities, duplicate or shared payout destinations (such as a bank account or phone number used across multiple accounts), self-referrals, circular referrals, or any other abuse or attempted abuse. To do this we may match information across accounts, including email, phone number, identification numbers, bank account details, and name and date of birth.
We reserve the right to introduce, modify, suspend, reduce, restructure, expire, reset, or discontinue the referral program and any reward scheme (including rates, bonus amounts, reward multipliers, eligibility criteria, withdrawal conditions, payout methods, inventory caps, and balance-reset timing) at any time, at our sole discretion, and without prior notice to users. Any fraudulent activity or abuse of a reward or referral program may result in immediate disqualification, forfeiture of rewards, and account termination. You are responsible for any taxes arising from rewards you receive.
From time to time we may operate leaderboards, contests, or promotional competitions (for example, our "Cash Ninja" leaderboard) that rank participating users based on activity such as trading volume, transaction count, referrals, activity streaks, and other engagement factors determined by us. Participation is generally automatic for eligible KYC-verified users based on their activity. Where a leaderboard is operated, a participant's referral code and certain activity-based metrics and ranking may be visible to other users; your legal name and contact details are not displayed for this purpose.
Prizes, scoring methodology, ranking criteria, eligibility, and reward amounts for any leaderboard or competition are determined solely by us and are valid only while stocks last. To preserve fairness, we may exclude or disqualify accounts (including accounts that share a payout destination or identity, or that we consider abusive) at our discretion. Leaderboard prizes may be credited to your promotional reward balance and are then subject to the same withdrawal conditions, year-end or other balance resets, and program rules as other rewards. We reserve the right to introduce, modify, suspend, or discontinue any leaderboard, contest, or promotional competition, and to change its rules, scoring, and prizes, at any time, at our sole discretion, and without prior notice. Any prizes or rewards are promotional in nature and do not constitute investment returns or financial advice.
Cash-in App reserves the right to modify or update these Terms of Use without notice as needed to reflect changes in our services or regulatory requirements. Any amendments to the Terms will be posted on our website with an effective date. By continuing to use Cash-in App after updates are posted, you agree to be bound by the revised terms. It is your responsibility to check and review the Terms periodically to stay informed about your rights and responsibilities. If you disagree with any amendment, please discontinue using Cash-in App.
Users are solely responsible for their tax obligations arising from transactions conducted on Cash-in App. We recommend consulting a tax advisor to ensure compliance with applicable tax laws. Macroblocs Limited will comply with its own tax obligations and may report certain transactions to relevant authorities. Users are advised to keep records of transactions for accurate tax reporting. The Company is not responsible for advising users on tax matters.
Cash-in App strictly prohibits any unlawful, harmful, or unethical activities, including but not limited to:
Any violation of these prohibited activities may result in account suspension without notice, reporting to law enforcement within or outside the borders of Nigeria as we may deem fit guided by the provisions of the laws of Nigeria, and may involve any other regulatory or legal actions we may deem necessary under the laws of Nigeria.
Macroblocs Limited, its affiliates, and employees will not be liable for any losses or damages incurred by users arising from the use of Cash-in App. This includes, but is not limited to, direct, indirect, incidental, consequential, or punitive damages. Users assume full responsibility for their actions on the platform and acknowledge the Company's liability limitations. In using Cash-in App, you release Macroblocs Limited from claims resulting from service interruptions, unauthorized access, or financial losses. Our liability limitation is in place to protect the Company and maintain a fair risk balance.
Macroblocs Limited is not liable for delays or failures in service delivery due to events beyond our control, including natural disasters, government actions, regulatory changes, technical failures, or other force majeure events. Force majeure events may impact the platform's functionality temporarily, but we will make all efforts to restore services promptly. Users agree to hold the Company harmless in the event of service interruptions caused by force majeure. Our priority remains ensuring user security, even during unforeseen events. If extended downtime occurs, we will notify users as soon as possible.
Cash-in App complies fully with the Money Laundering (Prevention and Prohibition) Act 2022 of Nigeria (the Act) and the Special Control Unit Against Money Laundering (SCUML) regulations. Our Chief Compliance Officer oversees compliance, ensuring alignment with our internal anti-money laundering (AML) and counter-terrorism financing (CTF) policies. Accordingly, we conduct Know Your Customer (KYC), due diligence, enhanced due diligence, and transaction monitoring in order to ensure the safety of the platform in compliance with the Act, SCUML regulations, and our AML/CTF Policy. Users may be subject to additional verification, proof of source of funds requests, or transaction monitoring to maintain compliance. We reserve the right to report suspicious transactions or activities to law enforcement or regulatory authorities within or outside the borders of Nigeria when we deem it necessary, guided by the provisions of the laws of Nigeria. We prioritize compliance as a critical part of our operations. Macroblocs Limited is committed to upholding all legal obligations under applicable anti-money laundering and counter-terrorism financing laws. To contact our Compliance Team, please write to compliance@cash-in.app.
If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid, illegal, or unenforceable provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if such modification is not possible, it shall be severed from these Terms.
Failure by Cash-in App to enforce any provision of these Terms does not constitute a waiver of that right. Each right or remedy remains fully enforceable. Users agree that delays or omissions in exercising rights do not nullify other rights or remedies. Cash-in App reserves the right to assert its rights as needed. This provision ensures continued enforceability of all Terms.
Cash-in App is provided on an "as-is" and "as-available" basis. We make no guarantees of uninterrupted or error-free access to our services. Users assume all responsibility for transactions and interactions on the platform. Cash-in App disclaims liability for service interruptions, system errors, or user-based decisions. By using Cash-in App, you accept these conditions as a necessary aspect of platform use.
These Terms of Use are governed by the laws of the Federal Republic of Nigeria. By using our services, you agree that any legal disputes or claims will be governed by and interpreted under these laws.
We reserve the right to terminate or suspend access of any User to Cash-in App at our discretion. Reasons for termination may include, but are not limited to, breach of these terms, fraud or suspicion of fraud, misuse of the platform, engagement in prohibited activities, violation of applicable laws, failure to complete KYC verification, or failure to provide requested documentation for source of funds verification. Upon termination, any pending transactions may be held until compliance requirements are met or may be subject to forfeiture in accordance with applicable laws and regulations.
You may request deletion of your account from your profile or settings within the Cash-in App, provided your account has been open for at least 30 days from the date of registration. If your account is less than 30 days old, you will not be able to submit a deletion request until that period has elapsed. When you submit a deletion request, a 48-hour period begins during which your account is scheduled for permanent deactivation. You may cancel the deletion at any time within this 48-hour window. After 48 hours, your account will be permanently deactivated: your access will be revoked, your sessions will be invalidated, and you will be logged out on all devices. Any transaction still in flight is completed or reversed before deactivation, and any pending reward is revoked and is not paid; we do not hold a customer balance, so there is no stored value to return. Requesting or completing account deletion does not automatically erase all personal data we hold about you. We retain data as required by applicable law (including anti-money laundering, tax, and regulatory requirements) as set out in our Privacy Policy. Your use of the account deletion feature constitutes acceptance of these terms.
For questions, concerns, or to exercise your rights under these Terms, please contact us at:
Macroblocs Limited (Cash-in App)
Email: compliance@cash-in.app
Support: support@cash-in.app
Note: Macroblocs Limited currently operates a remote-only business model and does not maintain a physical office. All communications should be directed to the email addresses provided above.