Roqqu exchange profile

Roqqu combines a custodial exchange account with payments and investment features. Its main retail workflow is to buy, sell or swap digital assets inside the account, then retain them or transfer them out. The website also promotes crypto-backed borrowing, scheduled investment bags and savings. Availability is expressed as supported markets, so the global website does not establish a uniform product menu for every country.[1]

The separate Invest product should be assessed as an ongoing instruction: closing the application is not evidence that a scheduled contribution has been canceled. The published description establishes scheduling, but not whether an already queued purchase can be stopped or how each device presents that instruction. No manager-following mandate or copy-trading loss allocation was established in this material.[4]

The risk statement discusses futures, leverage, margin calls and liquidation, while the tariff includes a futures charge. The reviewed public material does not supply a sufficiently detailed contract catalogue, expiry rules, funding schedule, leverage tiers or liquidation calculation to characterize a standard derivatives account. A stop instruction is not presented as a guaranteed execution price.[8]

For a hypothetical US$1,000-equivalent spot transaction, 2% is US$20-equivalent. This is the stated trading fee alone: it does not calculate the received crypto quantity, quote spread, price movement, bank charge or subsequent blockchain transfer. The comparison needs the final amount delivered on the selected route, rather than the headline commission by itself.[9]

Qash is the separate payment component of the wider Roqqu service. Its website describes transfers across supported markets and currencies. The public claims of more than 55 banking connections and five currencies describe that payment product; they do not establish that every exchange customer receives each bank route, holds every currency balance or can send unrestricted cross-border payments.[14]

The wallet product supports sending and receiving crypto, but an asset name alone does not identify a usable deposit route. The account must offer the required asset and network. Roqqu advertises account notifications and two-factor authentication; neither establishes a guaranteed completion time for a bank or blockchain withdrawal.[2]

These are merchant API mechanics, not a claim that the retail application exposes identical fields or error handling. The send documentation includes disabled-token, disabled-network and address/network mismatch responses. A merchant should distinguish a rejected request, an accepted queue item and a confirmed transaction before deciding whether to retry; blindly creating a new send can produce a second payment.[15]

The general agreement permits custodial handling through affiliates or service partners and pooled arrangements. Exchange customers therefore depend on Roqqu and its custody arrangements to return account assets. The agreement does not establish that every customer has an individually segregated on-chain address or a proprietary claim insulated from every insolvency outcome.[18]

Roqqu’s 31 March 2026 risk statement expressly says platform assets lack deposit protection, insurance and investor-compensation cover. It also identifies insolvency, cyber incidents and operational failures as possible causes of loss. This is a more specific description than treating authentication features or the word wallet as financial protection.[8]

The security notice directs suspected compromise to support immediately. Its 24-hour sending restriction does not freeze market exposure, because the same notice allows internal trading during that period. A customer assessing a compromised account must therefore consider remaining trading authority as well as the inability to withdraw.[19]

The general agreement requires adulthood or the applicable legal age, compliance with local restrictions and one permitted account. It allows access limits and restrictions to change. The public agreement does not establish a single current country list or universal retail verification limit that can safely be applied to all Roqqu customers.[18]

For ordinary customers, a privacy consent withdrawal does not waive legal recordkeeping or verification duties. The policy says retained data can be used to address fraud and legal obligations after closure, and provides [email protected] for rights requests. It does not publish a separate, fixed period after which an inactive account automatically becomes dormant or incurs a dormancy charge.[20]

Roqqu publishes a Nigeria-specific complaint process dated 31 March 2026. An unresolved initial support issue can be escalated to [email protected] with the account identity, transaction dates, evidence and requested remedy. The process is free; a representative may act with authority. A complaint should be lodged within three months of discovering the issue, or when it reasonably should have been discovered.[22]

The general terms contain a separate arbitration route: after an unresolved support complaint has reached 30 days, a written Notice of Claim goes to [email protected]. A further 30-business-day negotiation period precedes arbitration under LACIAC rules in Lagos, in English. These legal steps must not be confused with the complaint policy’s ten-business-day response target.[18]

The risk statement recognizes outages, connectivity failures and delayed execution; it does not promise a telephone dealing desk or a manual route that preserves a missed price. A displayed price may cease to be executable, and a successful login is not evidence that a pending withdrawal or order has completed.[8]

The SEC Nigeria fintech directory reviewed for this profile identifies named ARIP and incubation participants but did not identify Roqqu. That finding is limited to the directory inspected: it does not prove the absence of every authorization in every jurisdiction. A current Roqqu-specific exchange permission was not verified, so this profile does not convert references to compliance frameworks into a licensing claim.[23]

Roqqu’s AML policy states that compliance obligations are applied through relevant entities and jurisdictions. Its discussion of SEC rules and reporting is the company’s description of its compliance framework, not an independently verified firm entry. The applicable customer contract and the specific product remain essential to identifying the responsible operator.[21]

The current retail agreement names Roqqu Nigeria Limited.[18]

The separate merchant contract uses Roqqu Technologies and is dated 31 October 2024. It grants access for business integration under an order form; that contractual label should not silently replace the legal party named in the retail agreement.[10]

Those figures support a description of a substantial regional service. They cannot be compared directly with a venue’s audited monthly active users or independently measured daily spot turnover. The reviewed pages did not establish a comparable current activity series or ownership percentage table.[1]

Operator

Roqqu Nigeria Limited

Exchange model

Centralised

Service scope

Account-based crypto buying, selling and swaps, with separate merchant APIs and a Web3 wallet.

Client types

Retail clients; Institutional clients

Pricing publication

Public and quoted pricing

Pricing scope

Public retail tariff; merchant pricing depends on its order form.

Funding scope

Supported fiat routes and asset-specific blockchain transfers.

Custody and asset handling

Custodial exchange accounts; the separate Web3 wallet is described as user-controlled.

Client eligibility

Adults in supported markets; identity, business and ongoing compliance checks apply.

Support

In-app assistance and [email protected]; Nigeria has a formal complaint procedure.

Authorisation and registration scope

The reviewed SEC Nigeria incubation directory did not identify Roqqu; no current firm-specific permission was verified.

Exchange metadata checked 21 Oct 2026Source 21Source 28Source 15Source 22Source 9Source 1Source 20Source 14Source 10Source 23Source 18Source 2Source 3

Roqqu’s history API supplies transaction-level records, including amounts, asset, direction and balance changes. Its documented network filter is marked inapplicable. These records can support bookkeeping, but the reviewed documentation did not establish a retail CSV export, cost-basis method or tax certificate. Merchant records should be reconciled with blockchain references and bank statements.[17]

The API contract permits suspension and changes to endpoints or service access. A business can terminate on 30 days’ written notice before the current subscription ends, while immediate termination is possible in specified circumstances; outstanding fees survive. Stopping an integration is therefore distinct from closing the commercial relationship or resolving already accepted instructions.[10]

The published authentication model demonstrates programmatic execution power, not an autonomous investment mandate. No separately specified AI trading service, approval boundary or AI liability allocation was established in the reviewed API overview. A third-party application given a live secret receives the documented API authority regardless of how its interface is described.[28]

General promotion terms make eligibility and prize details campaign-specific. Prizes are non-transferable, may expire if unclaimed and are not redeemable for cash under those general terms. Gift-card rules can add further conditions. A prize, a promotional token and withdrawable account money should therefore not be presented as interchangeable benefits.[29]