Just two years ago, it was nearly impossible to find any mobile apps for buying Chinese Yuan/RMB with Naira, and it was even harder to find an app that could transfer RMB to Alipay. These simple actions had to be carried out separately and on different platforms. They often involved physical processes like going to the bank or meeting up with an exchange merchant. In general, payments took more time, business owners got scammed, and sending money to China became a very delicate process.
Today, in 2025, both functionalities are combined into a single feature in many apps, meaning you can now buy RMB with your Naira on a mobile app and send it immediately to any Alipay wallet. It’s why many Nigerian importers now use mobile apps to buy and send RMB to their Chinese suppliers.
The mobile app you use will ultimately be based on your use case, whether you’re a business owner or someone that sends money occasionally to family or friends in China. However, learning about how they differ in terms of available features, fees, customer support, and other significant factors will position you to make the best decision.
Introducing the Apps
Midddleman
Midddleman was launched almost two years ago and has been available on mobile since April 2024. It is considered one of the best platforms for RMB payments because of its support for business owners in general. It supports a WhatsApp community of more than 1500 business owners with educational webinars and business resources.
Core features of the Midddleman app
- Buy and send RMB to Alipay
- Create escrows with your customers
- Ship your goods from China to Nigeria
- Compare delivery fees from over 40 companies on the app
Pros
No added fees
Responsive customer service
Requires only BVN to get started
Smooth user experience
Has over 7000 users
Can withdraw your money anytime
Cons
Transactions take up to 10 minutes
Digitsend
Digitsend is a simplified digital platform for RMB purchase and bill payments. The mobile app was launched on Android in November 2024 and has since gained over 100 downloads.
Core features of Digitsend
- Buy and send RMB to Alipay or bank
- Make local bill payments
Pros
Requires only BVN and phone number to create an account
Can send RMB to bank
Rewards local bill payments
Cons
Charges a fee for upgrade to unlimited account
0.3% added fee for transactions (capped at 300)
Lacks the withdrawal feature
Kwilax
Kwilax was launched on mobile in January 2025. The mobile app helps business owners by eliminating their need for local P2P transactions and enabling them with a single feature — to send RMB to Alipay accounts.
Core features of Kwilax
- Buy and send RMB to Alipay
Pros
Responsive customer service
Cons
Requires both face scan and BVN for verification
Can only buy & send RMB to Alipay
Transactions may take up to 30 minutes
Finstack
Although not yet available on mobile, Finstack is popular among currency exchangers. It is a web-based platform for converting Nigerian Naira into other currencies, including RMB. Finstack also allows users to send RMB to Alipay wallets.
Core features
- Currency exchange
- Gift card exchange
- P2P exchange marketplace
Pros
Can convert Naira into multiple currencies
Can send RMB to both Alipay and WeChat
Cons
Requires a selfie and your personal ID for verification
Slow verification process
No mobile app
Cashbuddy
Cashbuddy is also web-based as it is yet to launch its mobile app. Cashbuddy provides businesses with a wide range of payment services for sending and receiving money in different currencies.
Core features
- Virtual cards
- Currency exchange
- Business accounts
Pros
Can send RMB to both Alipay and WeChat
Cons
Long verification process
Requires a CAC certificate, CAC registration number, proof of address, and personal ID for verification
No mobile app
Conclusion
In conclusion, Midddleman offers the most significant features that are important to business owners that source from China. With more than 7000 business owners using the platform across web and mobile, it’s certain that Midddleman prioritizes security and customer experience over numbers.
So if you’re a business owner or importer in Nigeria looking for a trusted platform to handle your RMB payments, consider trying Midddleman.
