Guide

Step-by-step walkthroughs for the things people do most on Arcle.

Setting up your account↓Sending money↓Getting paid↓Paying a bill↓Starting an ajo↓Ordering from a shop↓Booking a hotel↓Creating a drop↓Sending an invoice↓Setting up Autopay↓Moving to a new phone↓

Setting up your account

  1. 1
    Get an invite code

    From a friend on Arcle — every member has one in Settings.

  2. 2
    Go to arcle.xyz/sign-up

    Or message the Arcle number on WhatsApp and say “create”.

  3. 3
    Enter the code and verify your email

    A 6-digit code arrives in your inbox.

  4. 4
    Choose your country and @username

    Your country sets your local currency.

  5. 5
    Create your 4-digit PIN

    You'll approve payments with it whenever biometrics aren't available.

  6. 6
    Add Face ID or fingerprint

    Optional, and the quickest way to approve. If it doesn't work on your device, finish with your PIN and add it later.

  7. 7
    In Nigeria, activate your naira account

    Settings → NGN account → Activate, with your BVN — so people can send you bank transfers.

Sending money

  1. 1
    Say who and how much

    “Send ₦5,000 to @ada”, “send $20 to 0x…”, or “send ₦10,000 to 0123456789 at GTBank”.

  2. 2
    Check the card

    The name on the account (for Arcle users), the amount and any fee.

  3. 3
    Approve

    Face ID / fingerprint, or your PIN.

  4. 4
    Done

    You get a receipt; the recipient is notified.

For a bank account, always say which bank — Arcle will ask if you don't, and never assumes one.

Getting paid

  1. 1
    Arcle users

    Give them your @username.

  2. 2
    Bank transfers

    Ask “show my account details” for your naira account number.

  3. 3
    Dollars

    Share your wallet address from the same answer.

  4. 4
    Anyone at all

    “Create a payment link for ₦15,000” — they pay without needing Arcle.

Paying a bill

  1. 1
    Say what to pay

    “Buy ₦1,000 airtime for 08012345678” or “pay my DStv, smart card 1234567890”.

  2. 2
    Fill in anything missing

    Arcle asks for the meter, smart-card or phone number if needed.

  3. 3
    Tap Confirm, then your PIN

    Until then the bill is only prepared, not paid.

Starting an ajo

  1. 1
    On your own

    “Start an akawo of ₦500 a day.” Today's payment is taken now, then daily. Leave any time with 3–5 days' notice.

  2. 2
    With a group

    “Start a weekly rotating ajo of ₦5,000.” Share the code; friends say “join pool CODE”; when 3 or more are in, say “start the ajo CODE”.

  3. 3
    Keep an eye on it

    “How's my ajo?” — or open the Workspace panel.

The rules for missed payments are on the Ajo page — read them before joining a group.

Ordering from a shop

  1. 1
    Ask

    “Order 2 loaves of bread from Market Square.”

  2. 2
    Pay the one total

    Goods plus delivery. Your money is held until the shop accepts.

  3. 3
    Track it

    In the Workspace panel. Give the rider your handover code only when you have your order.

Booking a hotel

  1. 1
    Search

    “Find me a hotel in Abuja, Friday to Sunday, 2 adults.”

  2. 2
    Pick a hotel, then a room

    Each step shows real prices; nothing is booked yet.

  3. 3
    Check the terms and approve

    Including whether it can be cancelled. The price is checked again before you're charged — never more than you agreed.

Creating a drop

  1. 1
    Say it

    “Drop ₦50,000 to 10 people equally” or “DM drop $20 to @ada @tunde”.

  2. 2
    Approve

    The total is held until it's claimed.

  3. 3
    Share the link

    Ask “how is my drop doing?” to see what's been claimed.

Sending an invoice

  1. 1
    Say it

    “Invoice Sarah ₦250k for the website, due in 14 days.”

  2. 2
    Check and confirm

    Sarah is emailed the invoice with a PDF and a way to pay.

  3. 3
    Follow up

    Arcle tracks it to paid; ask it to chase an overdue invoice.

Setting up Autopay

  1. 1
    Say it

    “Pay my landlord ₦250,000 on the 1st of every month.”

  2. 2
    Check the plan

    Recipient, amount in dollars, schedule, next date, and the cap.

  3. 3
    Approve once

    It now pays on schedule by itself. “Pause my rent autopay” or “cancel” any time.

Moving to a new phone

There's nothing to recover — your wallet was never on the old phone. On the new one:

  1. 1
    Sign in

    With your email code and your PIN.

  2. 2
    Add biometrics again

    Settings → Security, so you can approve with Face ID or fingerprint.

  3. 3
    Lost the old phone?

    Disconnect WhatsApp and any AI connections in Settings → Security, and consider changing your PIN. See Security & Privacy.

Signed up on WhatsApp without an email? Say add email there now — it's how you sign in anywhere else if you ever lose the number.