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Moving crypto and moving local currency are two different jobs. This page explains why, and what changes when you cross between them.
Crypto: web and Moove App. Local currency: Moove App only. The conversion itself completes in the Moove App — see Moove Ramp.

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What Are The Two Kinds Of Rail?

A rail is the system a payment actually travels on. Everything inside moove.xyz — Moove Send, Moove Receive, Moove Swap, Moove Bridge — runs on crypto rails. That is why it needs no account with anyone and no verification. The moment local currency is involved, a regulated financial institution has to be involved too. That is not a moove.xyz policy; it is what moving local currency through a bank or card network requires.

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What Is A Corridor?

A corridor is one country plus one currency plus the rails available there. It is the unit Moove Ramp launches in, because each one needs its own licensed partner, its own bank connections and its own identity rules. Today there are three live corridors: Nigeria, NGN — buy and sell — and Australia, AUD and Hong Kong, HKD — buy only. Other countries appear in the Moove App marked Coming soon — they are in the catalogue but the endpoints reject them until they go live. Supported Fiat Currencies →

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What Are The Fiat Rails?

Within a corridor, money moves one of several ways. Which are available depends on the country.
A standard transfer to or from a bank account held in your name. Live in Nigeria, for buying and selling.
A Visa or Mastercard debit or credit card. Live in Australia and Hong Kong, for buying only.
Apple Pay, Google Pay and PayID; EFT; and mobile money — a wallet identified by phone number rather than an account number, the everyday rail across much of Africa.
In Nigeria you can link an account with Moniepoint, OPay, PalmPay, Access Bank and others. The full live list is served in the Moove App when you add an account, because it changes.

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Why Does The Fiat Leg Need Identity Verification?

To move local currency, a licensed payment partner handles that side of the transaction. Licensed partners are legally required to know who they are paying and to check that the money is going to the right person. That produces one rule worth knowing before you start:
The account holder name must match your verified identity. You cannot ramp into or out of somebody else’s bank account — a friend’s, an employer’s, a company account that is not in your name.
Verification is a one-time flow in the Moove App, the first time you move between local currency and crypto. It starts with your email. In Nigeria that alone opens a capped allowance, and verifying your NIN (National Identification Number) and then your BVN (Bank Verification Number) with a biometric scan lifts the cap. In Australia and Hong Kong you add your mobile number and photograph a passport, driver’s licence or ID card with a selfie. Identity verification, step by step →
Nothing about crypto-only use changes. Sending, receiving, swapping and bridging need no verification at all — see Non-custodial Wallets.

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Where Does The Money Land?

Crossing between rails means two legs, and each settles in its own place: Because the crypto side settles into a wallet you control, the proceeds never sit with a third party waiting for you to withdraw them.
A ramp carries costs on both rails — network gas on the crypto leg, and whatever your bank or card issuer charges on the fiat leg. Both, along with moove.xyz’s own fee, are set out on the Pricing page.

Moove Ramp

The product, end to end.

Supported Fiat Currencies

Live corridors and what is next.

Pricing

Every cost on both legs.
Two rails, one app. Costless, borderless, permissionless, effortless.