Tokens you actually own
Ten tokens to the dollar, held in whole millionths so a share of an advert is never rounded away to nothing. Your balance is derived from the ledger, not a number something overwrites.
Tokens and shared profit
HTT pays you back for the attention you bring.
Every advert shown across HTT is split four ways — and three of them are people. You earn for seeing it, for hosting it on something you made, and for whoever you invited to HTT. Tokens are the unit: ten for a dollar, spend them on advertising, send them to anyone, and withdraw what you earn to your bank.
- No new account — sign in with HTT
- 10 tokens for $1
- Earnings withdraw to any Nigerian bank
Token balance
1,240tokens
400 bought · spend or send840 earned · withdrawable
WithdrawStatement
Adverts on your blog
Creator share · 25%
+18.40
Adverts you viewed
Viewer share · 15%
+4.75
People you invited
Referral share · 10%
+2.10
Example wallet — your own opens after sign-in.
- Token price
- 10 for $1
- Charged in naira, quoted before you confirm
- Your share
- 50% to people
- Creator, viewer and referrer on every advert
- Platforms
- Eleven
- One balance across the whole ecosystem
- Payouts
- ~1 business day
- Earned tokens, to any Nigerian bank
One wallet
Every platform, one balance
HTT platforms never talk to a payment provider themselves. They call HTT Wallet — so whatever you earn, wherever you earn it, arrives in the same place and reconciles the same way.
HTT Store
Escrow on every order — the seller is paid when the buyer confirms, and referral commission splits out automatically.
HTT Edify
Reader tips and paid articles land in the writer’s balance, ready to withdraw.
HTT Jobs
Employers pay to promote a listing; the charge clears before the listing is boosted.
HTT Educate
Paid assessments unlock the moment payment confirms, with proceeds going to the author’s wallet.
HTT Schools
School fees collected online, reconciled per term against one ledger.
HTT Fellowship
Sponsorships and ticketed gatherings, with premium tiers billed on the same rails.
HTT Ads
Advertisers fund campaigns with tokens, and what they spend becomes the pool the four-way split pays out of.
How it works
Buy, spend or earn, withdraw
Three steps, and most people never do the first one — tokens arrive on their own once adverts start earning for you.
Step 1
Buy tokens, or earn them
Ten tokens for a dollar, charged in naira through a licensed provider’s hosted checkout — HTT Wallet never touches your card. Or buy none at all: tokens arrive on their own once adverts start earning for you.
Step 2
Spend, send, or hold
Tokens pay for advertising across all eleven HTT platforms, and they can be sent to anyone on HTT — the person you send to receives the full amount you typed, because the sending fee is charged on top.
Step 3
Withdraw what you earned
Tokens you EARNED — from adverts, from the people you invited, from gifts — convert back to naira and land in your bank account. Tokens you bought can be spent and given away, but not cashed out.
Capabilities
What the wallet actually does
Not a balance page bolted onto a payment button — the money layer the whole ecosystem is built on.
Send tokens to anyone on HTT
Send by handle. The recipient gets exactly the amount you typed — the 1% sending fee is charged on top of it, never quietly taken out of the gift.
Pay for advertising
Tokens are what buys advertising across all eleven platforms, from a self-serve auction to bookable premium slots. The same balance you earn into is the one you spend from.
Escrow that protects both sides
The buyer’s money is held from the moment they pay and released only when they confirm delivery — with the platform fee taken out at release, not before.
Bank withdrawals
Earned tokens convert to naira and pay out to any Nigerian bank account, usually within one business day. Destinations are saved and masked to the last four digits.
Every figure, explained
Earnings are staged by where they came from, and each one opens into the adverts behind it: which platform, what the pool was, what rate applied, what reached you.
For builders
One Payments API for every platform you ship
Your product should not carry provider SDKs, webhook signatures and reconciliation logic. Call the wallet, and it owns the money.
Idempotent by contract
Every write takes an Idempotency-Key. A retry returns the original result instead of a second charge.
Signed webhooks
Provider callbacks are verified before a single ledger entry is written, and a malformed payload can never 500 your integration.
Pluggable providers
Flutterwave in production, a sandbox adapter locally — the same API, so you can build the whole flow without keys.
Open an escrow from your platform
# amounts are whole kobo — ₦5,000 with a ₦250 fee
POST /api/v1/escrow
Authorization: Bearer svc:htt-store
Idempotency-Key: order-4821
{
"buyerRef": "buyer-001",
"sellerType": "USER",
"sellerRef": "seller-001",
"amount": 500000,
"feeAmount": 25000
}The buyer funds it, the wallet holds it, and release pays the seller ₦4,750 while the platform fee lands in the platform’s own balance — in one balanced ledger transaction.
Security
Built so the numbers can be trusted
A wallet is only worth as much as its worst reconciliation. These are the guarantees underneath yours.
Immutable double-entry ledger
Money is never a number in a column that something overwrites. Every movement writes balanced entries, and a ledger-integrity check runs against them.
Exact amounts, no float drift
Tokens are held as whole millionths and naira as whole kobo — integers throughout — so a share of an advert never rounds away between the pool and your balance.
Only what you earned cashes out
Tokens you bought can be spent and sent, but not withdrawn to a bank. That rule is deliberate: without it HTT would be running a currency exchange, which is a different business with different rules.
Limits that make farming pointless
Paying people to view adverts invites automation, so earnings are capped per day, per person and per referral tree, with a minimum gap between paid views. Anything refused is recorded, never silently dropped.
Your HTT sign-in, nothing new
One HTT account through single sign-on. HTT Wallet never sees your password, and a session that expires simply asks you to sign in again.
Card details stay with the provider
Payments run through a licensed provider’s hosted checkout. HTT Wallet orchestrates and records the movement — it never stores card data.
HTT Wallet orchestrates payments through licensed payment providers and keeps the record of what moved where. It is not a bank, and it does not hold customer funds in its own name.
Questions
Before you sign in
Still unsure about something? Every screen in the wallet explains what it is showing and where the number came from.
What is an HTT token worth?
Ten tokens cost one US dollar, so a token is ten cents. You are charged in naira at the rate shown on the buy screen before you confirm, and the price you paid is frozen on the receipt — a later change to the rate never restates what you already bought.
Can I withdraw tokens I bought?
No. Tokens you bought can be spent on advertising and sent to other people, but only tokens you EARNED can be turned back into money in your bank account. Your wallet shows the two separately, and the withdrawable figure is never a surprise.
How do I earn without buying anything?
Adverts across HTT pay four ways, and three of them are people. You earn for viewing an advert, for hosting one on something you created — your blog, your room, your school, your fellowship — and for anyone you invited to HTT who views one. The shares stack, so on your own page you collect more than one.
Does owning a blog or a room mean I stop earning as a viewer?
No, and that is the point of the design. Reading an advert on your own blog pays you the creator share and the viewer share, and whoever invited you still earns theirs. The Earnings screen breaks each one out separately so you can see exactly which is which.
What does it cost to send or withdraw?
Sending costs 1% with a small minimum, charged on top so the person you send to receives the full amount. Withdrawing costs 2.5% with a minimum, taken out of the amount withdrawn. Both are quoted before you confirm, by the same code that charges them.
Why did my earnings stop for the day?
There are daily limits on how much one person can earn from viewing, from their own spaces and from referrals — they exist so that automating views is not worth doing. Your Earnings screen shows each limit and how much of it you have used, rather than leaving you guessing.
Is HTT Wallet a bank?
No. HTT Wallet is the payments and wallet service for the HTT ecosystem — it orchestrates payments through licensed providers and keeps the definitive record of what moved where. It does not take deposits or hold customer funds in its own name.
Do I need a separate account?
No. Your HTT single sign-on account is your wallet. The first time an advert earns for you on any HTT platform, the balance is already here waiting.
What happens if I pay twice by accident?
Every write carries an idempotency key. A retried or double-submitted request resolves to the same single transaction instead of charging you again.
Your balance is already waiting.
Sign in with the HTT account you already use. If money has reached you anywhere in the ecosystem, it is here — with the statement that explains every naira of it.