Holding money, receiving it and sending it are different things. Here's how to tell them apart in Calen.
Currencies you can hold
Personal and Business wallet currencies include Nigerian naira (NGN), US dollars (USD), Canadian dollars (CAD), pounds sterling (GBP), euros (EUR) and supported stablecoins such as USDC. You'll only see the wallets enabled for your account.
A receiving account or deposit address isn't the same as a wallet balance. Before you add money, check which currency will be credited.
Ways to receive money
NGN: Nigerian bank account details.
USD: US bank details, with the payment methods listed on your receiving screen.
CAD: Interac details, rather than a Canadian bank account number.
GBP: UK receiving details where available for your Personal account.
EUR: an IBAN where available. Check whether your payment will stay in EUR or be converted and credited in USD.
USDC or USDT: a deposit address on a supported network. Check the currency your balance will be credited in.
Business receiving details differ from Personal receiving details. Don't use personal UK or euro details for a business payment. Only share the details shown for your business.
Places you can send money to
Nigeria: NGN to bank accounts.
The United States: USD using the bank payment methods shown in your account.
Canada: CAD by Interac.
The United Kingdom: GBP to bank accounts, where enabled.
SEPA-reachable bank accounts: EUR, where enabled.
Ghana, Kenya, Uganda, Tanzania, Benin and Côte d'Ivoire: mobile money through supported operators.
External stablecoin addresses: USDC or USDT on the networks shown in your account.
Mobile money destinations are send-only. They don't give you GHS, KES, UGX, TZS or XOF wallets in Calen.
The available routes depend on your account. If a currency, receiving method or destination isn't showing, choose one that is or ask us for help.
Quick tip: Copy receiving details from the app or dashboard each time, and check the currency and network before sending.
What's next: See How to add money or How to get account details to receive from clients.