Ecstasy

Overview

Ecstasy is a Nigerian fintech app that puts everyday payments and international spending in one wallet. Users get a dedicated bank account number from a licensed banking partner, buy airtime and data, pay electricity and TV bills, convert spare airtime and crypto into Naira, and create virtual dollar cards to pay for services abroad. We designed and built the iOS and Android apps, the landing pages and the admin behind them, and we keep shipping updates.

The challenge

For a lot of Nigerians, paying a Netflix, Spotify or Canva subscription is harder than it should be. Naira cards get declined on foreign sites, dollar limits keep shrinking, and the everyday payments are spread across too many apps.

Naira cards fail abroad. Bank-issued cards often get declined on international websites, or come with tiny dollar limits.

Spare airtime and crypto were hard to use. Unused airtime sat on phone lines, and turning crypto into Naira meant extra apps and middlemen.

Too many apps for simple payments. Airtime, data, electricity and TV each lived in a different app or USSD code.

Trust is everything in fintech. Users need to know their money is held safely and that a failed transaction will be reversed.

Funding had to be easy. People needed a simple way to move money in from any Nigerian bank.

Ecstasy wanted one app that handled local payments and global spending, built on licensed banking partners so users could trust it.

Our approach

1. We put a real bank account behind every wallet. We integrated Ecstasy's licensed banking partners so each user gets a dedicated NUBAN account number. Users fund their wallet by transfer from any Nigerian bank and see the balance update instantly.

2. We made dollar cards self-serve. Users create a virtual dollar card in seconds, fund it from their wallet and use it on international websites and apps. They can freeze, unfreeze or delete a card any time, and the app shows limits and fees before they confirm.

3. We turned spare airtime and crypto into cash. Users convert eligible airtime into funds in a few taps, and sell supported crypto assets straight to Naira in their wallet. Value sitting on a phone line or in a crypto wallet becomes money they can spend.

4. We put everyday payments in one place. Airtime and data for MTN, Glo, Airtel and 9mobile, electricity, DStv, GOtv and StarTimes, plus exam PINs and vouchers, all paid from the same wallet with every transaction recorded.

5. We built trust into how money moves. PIN and biometric login protect every session. Failed transactions are reversed to the wallet automatically, and every fee is shown before the user confirms, never after.

6. We kept the product moving. Ecstasy has shipped steady releases since launch in 2023, with version 2.8.3 going out in October 2026.

The outcome

Ecstasy is live on iOS and Android, with more than 100,000 downloads on Google Play alone.

International payments that work. Users pay for subscriptions and online services abroad with a dollar card they control.

Spare airtime and crypto become Naira. Unused airtime and supported crypto are converted to spendable Naira in the same app.

One wallet for daily payments. Airtime, data, power and TV are paid from the same balance.

Funds held by licensed partners. Users fund by bank transfer into their own account number, with money held by regulated banks.

A product that keeps growing. Regular releases keep adding features and improving the experience.

Key features delivered

• Wallet with a dedicated NUBAN account number from a licensed banking partner

• Instant wallet funding by bank transfer

• Virtual dollar cards: create, fund, freeze, unfreeze and delete

• Card limits and fees shown before confirmation

• Airtime to cash and crypto to Naira conversion

• Airtime and data for MTN, Glo, Airtel and 9mobile

• Electricity, DStv, GOtv and StarTimes payments

• Exam PINs and vouchers

• PIN and biometric security

• Automatic reversal of failed transactions

• Full transaction history

• Native iOS and Android apps, landing pages and admin portal

Frequently asked questions

Who built the Ecstasy app? Ecstasy was built by Soft-Web Digital, a Lagos based software development and automation company, for Ecstasy Data Nigeria Limited. Soft-Web Digital designed and developed the iOS and Android apps, the landing pages and the admin, and continues to ship updates.

What can you do on Ecstasy? Users fund a wallet through their own bank account number, buy airtime and data, pay electricity and TV bills, convert spare airtime and crypto to Naira, and create virtual dollar cards for online payments abroad.

Can Soft-Web Digital build a fintech or virtual card app for my business? Yes. Soft-Web Digital builds wallet, bill payment, virtual card and crypto apps for iOS, Android and web, integrated with licensed banking and card partners. Request a quote or book a free strategy session at softwebdigital.com.

Do I need a banking licence to launch a fintech app in Nigeria? Not always. Many fintech apps, including Ecstasy, partner with licensed banks that hold customer funds and issue account numbers, while the fintech provides the technology and experience. Your exact setup depends on your services, so confirm with a regulatory adviser.

How long does it take to build a fintech app like Ecstasy? It depends on the services and partner integrations. A focused wallet and bills app can launch in a few months, with cards and other services added in phases. Soft-Web Digital shares a timeline after a short discovery call.

Planning a fintech app that people will trust with their money? We've built one with 100K+ downloads. Request a Quote or book a Free Strategy Session and let's map yours out.