Cardgoal has partnered with Bitowi, a cryptocurrency wallet purpose-built for the Nigerian market. Through this integration, you can withdraw the Naira balance in your Cardgoal wallet directly into Bitowi, where it can be held as USDT or converted to other digital assets.
This guide walks you through exactly how to do that — and how to make sure every step is done securely.
What You Need Before You Begin?
A smooth and secure transfer starts with preparation. Before initiating anything, make sure the following are in place:
• Your Cardgoal account is fully verified and in good standing.
• You have downloaded the official Bitowi app from the appropriate app store and completed your account registration.
• Two-Factor Authentication (2FA) is active on your Bitowi account. This is a mandatory requirement — transfers cannot be received without it.
• You are connected to a private, secure internet connection. Avoid public networks when handling any financial transaction.
The Transfer Process, Step by Step
Once you are set up, the transfer itself is straightforward:
1. Open Cardgoal and navigate to the Account section. Select 'Withdraw to Bitowi' — this will initiate a secure, system-level redirect to the Bitowi application.
2. Inside Bitowi, tap 'Swap to USDT'. Enter the amount you wish to transfer. The system will validate your wallet details and confirm that your funds are available.
3. A confirmation screen will appear showing all the details of your transfer. Review this carefully. When you are satisfied, enter your Bitowi transaction PIN to authorise the transfer.
You will receive a real-time notification confirming that the transaction has been processed. The transfer will appear in your Bitowi transaction history.
Converting Your USDT Back to Naira
Once your funds are in Bitowi as USDT, you can convert them to Nigerian Naira at any time using the 'Convert Crypto' feature. The tool shows you the live exchange rate before you confirm, so you always know exactly what you will receive. The timing of that conversion is entirely up to you.
How Bitowi Protects Your Funds in Transit?
Every transfer you initiate goes through Bitowi's withdrawal approval process. This includes automated compliance checks, real-time fraud monitoring, and — for transactions that exceed certain thresholds — a manual administrative review before funds are released.
These controls are not delays. They are safeguards that exist to make sure your money goes where it is supposed to go, and nowhere else.
Security Practices to Follow Throughout
• Never share your transaction PIN or 2FA code with anyone — including people claiming to be from support.
• Always confirm you are using the official Cardgoal and Bitowi applications before entering any credentials.
• If the details on the confirmation screen do not look right, stop and contact support before proceeding.
• Enable transaction notifications on both apps so you are alerted immediately to any account activity.
Where to Get Help?
If you run into any issue on the Cardgoal side, our in-app support team is available to assist. For anything that arises within Bitowi after a transfer, Bitowi's support team is available around the clock at https://service.bitowi.com.
Use official channels only. Never seek assistance for financial transfers through social media or informal contacts.