Your money is safe with Subpadi.
Every transaction flows through licensed, regulated rails. Your funds are protected by the same infrastructure that banks rely on, and you stay in control at every step.
Built on regulated infrastructure
Subpadi connects you to licensed financial rails. Every payment, conversion and withdrawal is processed through providers regulated by the SEC and CBN.
SEC and CBN licensed partners
All crypto and fiat operations are processed through providers holding active SEC and CBN licences. Subpadi is the interface; the rails are fully regulated.
Bank-recognised withdrawals
When you withdraw, your bank receives a clean, legitimate transfer from a licensed payment provider. No flags, no questions.
We never hold your funds hostage
Your balance is yours. Subpadi does not freeze accounts without clear reason, and you can withdraw at any time. No lock-ins, no hidden holds.
How your data is protected
Encrypted in transit and at rest
Every connection between your device and Subpadi is encrypted using TLS (the same technology your bank uses). Your personal data is encrypted on our servers, too.
Two-factor authentication
Sensitive actions like withdrawals and password changes require a one-time code sent to your email or device. Even if someone has your password, they cannot move your money.
Identity verification (KYC)
Before you can transact, we verify your identity through a secure, automated process. This protects you and every other user on the platform from fraud.
What happens if something goes wrong
A transaction fails or gets stuck
If a payment does not complete, Subpadi automatically attempts a reversal. If the amount is not returned within a few minutes, contact support and the team will trace it and resolve it manually.
You suspect unauthorised access
Change your password immediately, then reach out to support. The team can lock your account while you investigate, and no funds will leave until you confirm everything is in order.
You sent to the wrong address
Contact support as quickly as possible. While on-chain transactions cannot be reversed, the team will do everything within reach to help recover your funds through the provider.
Reach us anytime
If you need help, the support team is available through the in-app chat, email at [email protected], or through our social channels. Real humans, real responses.
Frequently asked questions
Is Subpadi regulated?
Subpadi is an interface that connects you to licensed financial infrastructure. All crypto operations are processed through SEC-licensed providers, and all fiat movements go through CBN-licensed payment rails.
Can Subpadi freeze my account?
Subpadi does not freeze accounts arbitrarily. Restrictions are only placed when required by law or when suspicious activity is detected. You are always informed, and you can contact support to resolve the situation.
What if a transaction fails?
Failed transactions are automatically reversed. If a reversal does not happen within a few minutes, contact support and the team will trace and resolve the issue.
Is my personal data shared with anyone?
Your data is only shared with regulated partners where required to process your transactions or comply with legal obligations. Subpadi never sells your data to third parties.
How do I contact support?
You can reach the team through the in-app chat, by emailing [email protected], or through Subpadi's social media channels. Real humans respond to every message.