We'll send a one-time code via SMS or email — your choice. No bank account needed.
🇳🇬 +234
Resend code in 0:60
Secure Your Wallet
Step 2 of 4
Create 6-digit PIN
Encrypts your coin vault. Never stored — only you know it.
How will you use Zillion?
Step 3 of 4
Choose your role
This determines your main features. You can change it later in Settings.
👩🌾
Customer
Send and receive Zil offline. Buy goods at markets. Transfer via WhatsApp.
✓
🛒
Merchant
Accept Zil payments for your goods. Show your QR code to customers.
🏪
Agent
Cash-in and cash-out services. Manage float. Requires Agent ID and token from admin.
ZILLION
Live
⚡ Offline — transfers still work · Syncing when connected
Available Balance
₦0.00
0 coins·Up to date
Thrift & Loan
₦0.00
No active loan·View details →
Recent Transactions
See all
🪙
No transactions yet
Visit a Zillion agent to cash in your first Zil coins, or ask a friend to send you Zil via WhatsApp.
Thrift & Loan
₦0.00
Target ₦0
Loan
No active loan
Dues
Up to date
Dividend
No dividends yet
⚠ You have a guarantor request waiting — tap to respond
Recent Activity
See all
Your savings, dues, loans, and dividends will appear here.
Vault Total
₦0.00
0 coins·🔒 AES-256 encrypted
🔐
Vault is empty
Cash in at a Zillion agent or receive Zil via WhatsApp to fill your vault.
🔒 Your coins are stored encrypted on this device only. Back up regularly.
Thrift & Loan
Savings
Share Capital
Dividends
Membership Dues
Loans
+ Apply
⚠ Guarantor Requests
Loan Statement
Get a PDF of your loan activity, sent by email.
Apply for a Loan
Choose a loan package
Amount (₦)
Repayment period (months)
Guarantor's phone number
Pay Now
Messages
Send Zil
Amount to send
₦0
Select an amount below
⚠️ Only this merchant can accept the coins — for payments.
⚠️ Only this agent can redeem the coins — for cash-out.
⚠️ Only the wallet registered to this phone number can accept the coins — for peer-to-peer transfer.
Total
₦0
📱
Send via WhatsApp
✅ Enter the amount above
✅ Tap the button below
✅ Your .zil file opens in WhatsApp
✅ Select the recipient and send
✅ They tap the file to receive into their wallet
⚠️ No internet needed. The .zil file carries its own cryptographic proof. Your coins are marked as sent immediately.
QR Payment Code
₦0
⏱ Valid 15 minutes
📲
Send via QR Code
✅ Enter amount above
✅ Tap Generate QR below
✅ Share QR via WhatsApp
✅ Recipient scans it in their Zillion wallet
✅ Coins transfer instantly — no internet needed
🔐 Add Transaction PIN
Recipient must enter PIN to collect coins
Share PIN verbally with recipient only
⚡ Works offline. The recipient scans this QR in their Zillion wallet. Coins transfer via the Zillion registry.
Tap the button below to export your .zil file and save or share it manually.
📶
Send via Bluetooth
No internet needed • Works up to 10m
How it works
1
Recipient: Zillion → Receive → Bluetooth → Start
2
Tap Find Devices below
3
Tap the recipient’s name to send
4
Coins transfer — no internet needed
Tap Find Devices to start
Requires Zillion Android app • Works fully offline
Receive Zil
Starting camera...
⏳
—
Fetching coins...
Point your camera at the QR code the agent shared with you.
Coins will be added to your vault automatically.
📡
NFC Receive
Hold your phone against the sender's. The coin transfers automatically.
Requires Android Chrome with NFC enabled
📡
Bluetooth Receive
No internet • Works up to 10m
Steps
1
Tap Start below
2
Sender: Zillion → Send → Bluetooth
3
Sender taps Find Devices → your name
4
Coins arrive — balance updates
From WhatsApp: Download the .zil file the agent sent → tap Browse Files → select it.
📂
Browse Files to Import
Downloads → select the .zil file
Select .zil File
₦0
0 coins received
Transaction History
📋
No transactions yet
Your complete transaction history will appear here.
📡
Preparing NFC…
Top Up Wallet
🏦
Self-Service Top Up Coming Soon
Bank transfer and USSD top-up are being connected to our banking partners.
In the meantime, visit any Zillion agent near you to load your wallet instantly.
How to top up today
1. Find a Zillion agent near you
2. Hand them cash for the amount you want
3. Show them your phone number
4. Coins are issued directly to your wallet
5. Open your wallet — coins sync automatically
6. Use offline for any payment
?
Your Name
+234 — —
Account
Phone Number—
RoleCustomer
Device ID—
Security
Change PIN›
Biometric Unlock
Transaction PIN
Sync & Network
Auto-Sync
Last SyncedNever
Sync Now↻
Wallet
Export Backup›
Vault Versionv1.0.4
Cooperative
Society—
Member since—
Preferred Bank (MFB)
CurrentNot set
Changing this only affects future top-ups and cash-outs — coins you already hold aren't affected.
Balance by Bank
Your held balance, broken down by which participating bank each coin traces back to. One Zillion balance — carried across every bank you've dealt with.
Switch Role
App
App VersionPWA v1.0.5
Network ModeOnline
Restore Coins from Server
Re-installed or new phone? Pull your coins back from Zillion servers.