Are you ready to dive deeper into the crypto world and earn tangible rewards while you do it? cKash, in exciting collaboration with BlockchainUNN, is launching a high-stakes Referral Challenge tied to the highly anticipated BlockchainUNN Conference 4.0!

We’re not just looking to drive attendance; we’re aiming to power up the grassroots crypto economy by onboarding new users — and we’re rewarding the community members who help us get there.

The Challenge: Onboard and Earn

The cKash x BlockchainUNN Conference 4.0 Referral Challenge is an on-ground campaign designed to create buzz, grow the cKash user base, and reward the best referrers

Participants will compete to bring the most new, active users into the cKash ecosystem before the conference.

The top referrers will be celebrated and rewarded live at the biggest blockchain event on campus!

Key Event & Dates

• Campaign Launch: October 27, 2025
• Campaign Ends: November 7, 2025
• Winners Announced & Rewarded: November 8, 2025, live at the conference.
• Event Date: November 8, 2025
• Venue: Ekpo Ref Auditorium, University of Nigeria, Nsukka

How to Participate and Qualify

Becoming a successful referrer is easy, but the competition will be fierce! To ensure your referrals count, you must meet the following criteria:

1. Follow Us: Follow all official cKash and BlockchainUNN social media pages.
2. Fund Your Wallet: Fund your cKash wallet with a minimum of 1 cUSD/USDT. This demonstrates your active participation in the ecosystem.
3. Refer New Users: Get your friends, classmates, and peers to download the cKash app
4. Submit Proof: Fill out the official campaign Google Form with your details.
5. Be Present to Win: You must be physically present at the BlockchainUNN Conference on November 8th to claim your reward. Attendance will be verified at the venue.

Note: Referred users must be real, have funded wallets, and not be duplicate accounts. Any suspicious activity will lead to immediate disqualification.

The Reward Structure

We’ve set aside a prize pool of 150 cUSD to reward our top three community builders!

1st Place - 75 cUSD

2nd Place - 50 cUSD

3rd Place - 25 cUSD

Crucial Note: If a top referrer is not present at the event, their prize will roll over to the next eligible participant who is physically present.

Don’t miss this opportunity to showcase your community leadership, earn significant crypto rewards, and be a key part of the biggest blockchain gathering in Africa.

Get started on your referrals today, and we look forward to seeing you at the Ekpo Ref Hall on November 8th!

How to start referring? — https://medium.com/@ckashApp/how-to-earn-with-the-ckash-referral-program-d13f2b437fd5

Google Form Submission - https://forms.gle/i2wxqVFZNj4fjymx9

Goodluck!

How to Participate:

1. Create a Short Video (60–90 seconds)
   Record a creative video showing or explaining the cKash app. You can do a tutorial, testimonial, demo, or a fun skit — as long as it helps people understand what cKash is, its features and why they should use it.
2. Post Online
   Upload your video on Twitter (X — MUST… and Instagram, Tiktok
   Tag @ckashapp and use the hashtag:
   #UsecKashApp
3. Submit Your Entry
   Copy your video link and submit it via the Google form provided.
4. Maintain Wallet Activity
   Ensure your cKash wallet has at least a 1 cUSD / USDT balance to qualify.

Reward & Selection

Rewards

1st Place - 75 cUSD

2nd Place - 50 cUSD

3rd Place - 25 cUSD

• Reward Distribution: Sent to winners cKash wallets within 5 working days after campaign ends.

The 3 best creators will be selected based on creativity, video quality, clarity of message, referral completion, and social engagement.

Eligibility

• Must have a cKash wallet with at least 1 USD worth balance.
• Must follow @ckashapp on all official platforms (Twitter, TikTok, Instagram, Telegram).
• Must submit entries via the official Google form.
• Only one entry per person is allowed.

Rules & Conditions

1. Videos must be original, authentic, and clear (no AI or plagiarized content).
2. Multiple entries, fake referrals, or bot accounts will lead to disqualification.
3. cKash reserves the right to repost or reuse submitted videos across its official channels.
4. Winners will be announced on cKash’s official social pages after full verification.

Submission:

Submit your video entry via this google form — https://forms.gle/E7UoU6VEbAMSp2NQ7

cKash is building the future of digital payments, making it easy for anyone to send, receive, and manage money directly from their mobile devices.

To help grow our community, we’ve launched a Referral Program where you can earn rewards simply by inviting your friends to join.

With every new user you successfully refer, you earn 0.1 cUSD.

It’s a simple and rewarding way to spread the word about cKash while building your digital wallet balance.

Step-by-Step Guide to Referring Friends

Follow these easy steps to get started:

Download the cKash App

• Go to the Google Play Store and search for cKash Wallet.

Download and install the app. (Currently, cKash is only available for Android users.)

Create Your Wallet

• Open the app and follow the prompts to create a new cKash wallet.
• Secure your recovery phrase and set up your account.

Access the Referral Option

• Inside the app, tap the question mark (?) icon or the help icon.

• Select the Referral option from the menu.

Copy Your Referral Link

• Once the referral screen loads, you will see your unique referral link and code.
• Tap copy to get your link.

Share with Your Friends

• Share your referral link or code with friends via X, Telegram, WhatsApp, or any social media platform.
• Remind them to download cKash on Android, since that’s the only supported platform for now.

Start Earning

• When your friends successfully join using your referral link and create their wallet, you earn 0.1 cUSD per referral.
• Rewards are credited directly into your cKash wallet.

Why Join the Referral Program?

• Easy to Earn: No special skills required — just invite friends.
• Instant Impact: Every referral expands the cKash network and strengthens the ecosystem.
• Multiple Channels: Share via your favorite social apps or simply give your referral code directly.

JOIN OUR COMMUNITY:

Telegram: https://www.t.me/ckashapp

Tiktok: https://www.tiktok.com/@ckashapp

Twitter: https://www.x.com/ckashapp

LinkedIn: https://www.linkedin.com/company/ckash-app

In the rapidly growing world of crypto and Web3, your wallet isn’t just an app; it’s your key to controlling digital money, participating in the global economy, and unlocking financial freedom. But with so many wallet types available, where should you start?

If you’ve ever been confused about the difference between hot wallets, cold wallets, custodial, non-custodial, or even warm wallets, this guide explains it all in simple, clear terms.

Let’s dive in.

Custodial vs Non-Custodial Wallets

Before we get into categories like hot or cold, it’s important to understand who controls the keys to your wallet.

Custodial Wallets

In a custodial wallet, a third-party service (like an exchange or fintech company) holds your private keys for you. This is similar to how a bank manages your funds.

Pros:

• Easy to use
• Recovery is simple (via email/password)
• Often includes fiat on-ramps/off-ramps

Cons:

• You don’t fully control your funds.
• Risk of censorship or third-party lockout

Examples: Binance Wallet, Coinbase, PayPal Crypto

Non-Custodial Wallets

In a non-custodial wallet, you control your private keys, which in turn hold your cryptocurrency. No middlemen. No gatekeepers.

This is the heart of the Web3 movement.

Pros:

• Full control of your funds
• Greater privacy and autonomy
• Access to DeFi, NFTs, and dApps

Cons:

• You’re responsible for security and backups.
• If you lose your keys, your funds may be unrecoverable.

Examples: MetaMask, Valora, Trust Wallet, and yes, cKash.

Hot, Cold, and Warm Wallets: What’s the Difference?

Once you decide whether to go custodial or non-custodial, the next step is to choose how you’d like to store and access your wallet. This way, you can find the best fit for your needs and enjoy peace of mind.

Hot Wallets

These are connected to the internet and are best for frequent transactions.

Pros: Fast, convenient, perfect for daily use.

Cons: More vulnerable to hacking if not properly secured.

Example: Mobile apps like cKash, Valora, or MetaMask.

Cold Wallets

Cold wallets are offline wallets, typically hardware devices or paper wallets used to store crypto securely.

Pros: Immune to online hacks.

Cons: Not ideal for quick access or active trading.

Example: Ledger Nano, Trezor

Warm Wallets (Hybrid)

Warm wallets sit somewhere between hot and cold wallets. They’re often connected to the internet but have stronger security features, such as multisig or time-delayed access.

So, Choosing the right wallet is more than just features; it’s about how you want to engage with your money. If you’re looking for full control, security, and real-world usability

cKash is both a non-custodial and hot wallet, giving users the perfect balance between control and convenience. It’s ideal for everyday payments, international remittances, stablecoin savings, and growing your financial independence across Africa and beyond.

It’s your money. Keep it that way.

Ready to try it?

Just visit www.ckash.app or scan the QR code to download the app.

📌 Follow us for more tips and updates:
🔗 www.ckash.app
📱 Telegram: @cKashApp
🐦 X (Twitter): @cKashApp

In today’s fast-paced digital world, money is no longer just about cash in your wallet or digits in your bank account. Welcome to the era of stablecoins digital currencies designed to combine the reliability of fiat money with the speed and security of blockchain technology.

Whether you’re new to crypto or looking to upgrade your financial game, here are quick tips on stablecoins and why they’re changing the way we move money across the globe.

What Are Stablecoins?

Stablecoins are cryptocurrencies built to maintain a stable value. They’re usually pegged to a real-world currency like the US Dollar (USD) or Kenyan Shilling (KES). Unlike traditional cryptocurrencies (like Bitcoin or Ethereum), stablecoins are designed to reduce price volatility.

Think of them as digital dollars or digital shillings fast, stable, and borderless.

How Do Stablecoins Work?

There are different types of stablecoins, each with its own way of keeping the value stable:

1. Fiat-backed Stablecoins: These are backed 1:1 by real money stored in a bank (e.g., USDT, USDC).

2. Crypto-backed Stablecoins: Backed by other cryptocurrencies (e.g., DAI), using smart contracts for stability.

3. Algorithmic Stablecoins: Use code and market mechanics to stay balanced without holding reserves.

Each method aims to do one thing: keep the value steady and predictable.

Why Should You Care About Stablecoins?

Stablecoins aren’t just for crypto pros they offer real benefits for everyday people:

• Cross-border transactions made easy and fast.
• Protect your savings from local currency inflation.
• Use digital cash without a bank account.
• Say goodbye to expensive remittance fees.

Whether you’re sending money to family, saving for the future, or running an online business, stablecoins make money smarter.

Meet cKash: The Easy Way to Use Stablecoins

At cKash, we believe everyone deserves access to simple, secure, and stable digital money.

Here’s what we offer:

• A user-friendly wallet that supports stablecoins like USD and KES.
• Instant transfers across borders, no banks, no stress.
• Access to financial tools that help you save, spend, and grow.
• A vibrant community of users and learners on Telegram, X (Twitter), and LinkedIn.

Ready to get started?
Just visit www.ckash.app to download the app.

The Future of Finance Is Stable

Stablecoins are more than a trend; they are a new way to experience money. From financial inclusion to global payments, the benefits are real, and the time to start is now.

At cKash, we’re here to guide you through it all.

Stay tuned for more Quick Tips on Stables, and be part of the borderless revolution.

📌 Follow us for more tips and updates:
🔗 www.ckash.app
📱 Telegram: @cKashApp
🐦 X (Twitter): @cKashApp

If you’ve ever panicked after forgetting your wallet recovery phrase, or never even realized you had one, you’re not alone.

In fact, when we asked our community, a surprising number admitted to having either lost their phrase or never backed it up properly.

For those new to digital wallets, the recovery phrase, also called a seed phrase, is a string of 12 or 24 randomly generated words given to you when you first create a wallet. These words are more than just a password — they are the sole key to your wallet and assets. If your device is lost, damaged, or stolen, and you don’t have this phrase, there is no way to retrieve your funds. Ever.

That’s a lot of responsibility for one line of words, and it’s one of the biggest reasons why so many people hesitate to dive into crypto.

Crypto Isn’t Always User-Friendly

For everyday people trying crypto for the first time, managing private keys and recovery phrases can feel intimidating. There’s a reason why so many wallets are forgotten, abandoned, or left inactive. The learning curve is steep, and in high-stakes financial settings, the fear of making a mistake often outweighs the motivation to take a risk.

But what if using a crypto wallet didn’t have to feel so risky?

Crypto That Feels Like Mobile Money.

At cKash, we’re tearing down the walls that make crypto complicated by designing a wallet experience that is familiar to anyone who’s used mobile money before, but with all the security and ownership benefits that only crypto can offer.

Forget sweating over a 12-word phrase. cKash allows you to recover your wallet using your phone number or email, making crypto accessible and stress-free.

We also make it easy to back up your wallet securely by abstracting away the complexities of seed phrases without compromising on decentralization, cKash is opening the door to crypto for millions of people — especially in regions where mobile money is already the norm.

👉 Learn more at www.ckash.app
👉 Follow us for updates on X: @ckashapp

In a major step toward advancing financial inclusion, cKash has secured a Growth Prezenti grant to accelerate the delivery of stablecoin-powered financial services across Africa. With this support, cKash aims to unlock faster, more secure, and accessible digital financial tools for millions, driving innovation and empowering underserved communities on the continent.

With this support, cKash can help people send money instantly across borders, save in stablecoins without worrying about currency devaluation, access secure and low-cost payment solutions for their businesses, and manage their finances easily from a mobile device. We’re expanding our reach and building tools that bring crypto closer to everyday life, empowering individuals and small businesses across Africa.

What’s Ahead?

- Grow our user base and wallet activity across multiple African markets
- Enable stablecoin-powered payments for merchants and small businesses
- Strengthen on-ramp and off-ramp integrations for easier access to digital assets
- Launch support for more local stable currencies beyond cUSD and cKES
- Empower communities through campus ambassador programs and in-person onboarding activations
- Continue improving the app experience to make crypto as easy as mobile money

Why this matters?

This grant empowers us to deepen our mission — making decentralized finance (DeFi) more inclusive, practical, and accessible to everyday users. At cKash, we believe that financial tools should be designed for real people, solving real-world challenges. With this vision in mind, we are building a digital wallet that blends the security and transparency of DeFi with the simplicity and familiarity of mobile money services that millions of Africans already trust.

Built on the Celo blockchain, cKash offers users a self-custodial platform where they can send, receive, and manage stablecoins easily — without the complexities that typically come with blockchain technology. By combining low transaction costs, fast settlement times, and a user-friendly experience, we are unlocking a new generation of financial empowerment. This grant brings us one step closer to bridging the gap between traditional financial systems and the decentralized future, ensuring that no one is left behind in the digital economy.

We’re incredibly thankful to Prezenti and the Celo ecosystem for their belief in our vision — and we’re just getting started!

👉 Learn more at www.ckash.app
👉 Follow us for updates on X: @ckashapp

We’re thrilled to announce the official launch of cKash, a mobile-first, non-custodial crypto wallet designed for everyday use in Africa. Built in partnership with @Divvi and powered by the @Celo and @Mento stable assets, cKash is now live, starting with Kenya 🇰🇪.

What is cKash?💡

cKash brings the familiarity of mobile money to crypto, enabling users to send, receive, save, and spend digital stable currencies with ease. From remittances to daily transactions, cKash is designed to make crypto feel local, useful, and seamless.

At launch, cKash supports: cKES (Celo Kenyan Shilling) and cUSD (Celo Dollar), with plans in future to roll out support for: cGHC (Ghanaian Cedi), cNGN (Nigerian Naira) and cZAR (South African Rand).

📲 cKash is currently available on Android only, making it easily accessible to the vast majority of mobile users across the continent.

Powered by a Strong Ecosystem 💪🏽

cKash is built on Celo, an Ethereum Layer 2 network optimised for mobile, and leverages the Mento stablecoin protocol. To simplify fiat-to-crypto access, Fonbnk is integrated as the primary on/off-ramp partner, enabling seamless conversions between crypto and local currency.

Our launch is made possible by a growing coalition of ecosystem partners, including: Divvi, Celo Foundation, Mento, Fonbnk, and Pretium Finance, Celo Africa DAO, Celo Europe and local community partners

Why Kenya?🌱

Kenya has long been a global leader in mobile money adoption. With a digital-savvy, mobile-first population, Kenya is the perfect launchpad for a product like cKash that bridges traditional finance with the power of decentralised, borderless currency.

Built for Everyday Use🛠️

Whether paying friends, saving in stablecoins, or receiving remittances, cKash is designed to feel familiar and intuitive — even if it’s your first time using crypto.

Key features at launch:

• Easy onboarding via mobile number
• Simple send & receive UI
• Real-time balance tracking in cKES & cUSD
• Access to crypto liquidity through Fonbnk

Join the Movement 🗣️

We invite developers, creators, local communities, and organisations to co-build and co-grow the cKash ecosystem.

Follow us on x @cKashApp

Join our Community: cKash Community

Download the app: Android only

Learn more: https://ckash.app/