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Documentation Index

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The offramp feature lets you convert USDC from your Hedwig wallet into local currency — Nigerian naira (NGN) or Ghanaian cedis (GHS) — and withdraw directly to your bank account. The conversion and transfer are handled by Paycrest, a regulated payment infrastructure provider.

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Before you start

You need to complete KYC (identity verification) before you can initiate a withdrawal. If your KYC status is not yet approved, the offramp screen will prompt you to complete verification first.
Hedwig charges a 1% platform fee on every withdrawal. This fee is deducted from the amount you enter before calculating the exchange rate. The confirmation screen shows the exact amount your bank will receive before you confirm.

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Initiate a withdrawal

1

Open the offramp screen

From the Earnings tab or the Wallet section, tap Withdraw or Convert to local currency. The offramp screen shows your current exchange rate for USDC to NGN or GHS.
2

Enter the amount

Type the amount of USDC you want to withdraw. Hedwig displays:
  • The gross amount you entered
  • The platform fee (1%)
  • The net amount after the fee that will be converted
  • The estimated fiat amount your bank will receive, calculated at the current rate
3

Select your currency

Choose NGN (Nigerian naira) or GHS (Ghanaian cedis) as your destination currency. The exchange rate updates based on your selection.
4

Select your bank

Choose your bank from the list of supported institutions. Hedwig supports all major Nigerian and Ghanaian banks. If you have previously saved a bank account (beneficiary), it will appear at the top for quick selection.
5

Enter your bank account details

Provide your account number and account name. Hedwig verifies the account details against the bank’s records before proceeding — this prevents transfers to the wrong account.To save this account for future withdrawals, enable the Save this account toggle.
6

Confirm and submit

Review the withdrawal summary — amount, fee, destination bank, and estimated payout. Tap Confirm withdrawal to submit.Hedwig sends the USDC to Paycrest’s settlement address and the order is created. Your withdrawal appears in the Withdrawal history with a status of Pending.

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Order statuses

After submitting a withdrawal, you can track its status in the withdrawal history screen.
StatusWhat it means
PendingThe order has been submitted and Hedwig is waiting for Paycrest to begin processing.
ProcessingPaycrest is converting the USDC and initiating the bank transfer.
CompletedThe funds have been sent to your bank. Processing is done.
FailedThe withdrawal could not be completed. Common reasons include an unverified bank account or an expired order.
When an order reaches Completed, you receive a push notification confirming the bank and amount. If an order fails, the USDC may be returned to your wallet depending on the failure reason. Contact support if a failed order is not refunded within 24 hours.

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Processing times

Most withdrawals complete within 5 to 30 minutes once the order moves to Processing. Processing times depend on:
  • Bank interoperability — transfers between banks on the same payment scheme are typically faster.
  • Time of day — transfers initiated late at night or on weekends may take longer to reflect in your account, even if Paycrest has completed the settlement.
  • Network congestion — during peak periods, bank transfers across Africa can take up to a few hours.
If your withdrawal has been in Processing for more than 2 hours without completing, check your bank statement first — the funds may have arrived before the status updates in Hedwig. If nothing has arrived after 4 hours, reach out to support.

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Saved bank accounts (beneficiaries)

To avoid entering your bank details every time, you can save an account during the withdrawal flow. Saved accounts appear at the top of the bank list on future withdrawals. You can manage your saved accounts from Settings → Bank accounts. From there you can view, add, or remove saved beneficiaries.

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Exchange rates

Hedwig fetches live exchange rates from Paycrest before each withdrawal. The rate shown during the flow is the rate that will be applied to your order — it is locked in at the time you confirm.
Exchange rates fluctuate continuously. The rate shown on the confirmation screen is the rate applied to your order. If you wait before confirming, the rate may change slightly.