In today’s global economy, freelancers, remote workers, and online entrepreneurs—especially in regions like Nigeria—face a constant challenge: how to easily receive, hold, and send money across borders. Currency volatility and traditional banking friction can make managing international payments a significant hurdle.
This is where the AirTM mobile app emerges as a powerful solution. It’s a digital dollar wallet designed to connect you to the global economy from your smartphone.
But how do you use it? What are all the features?
While this article is your comprehensive blueprint, the ultimate learning experience is our complete video tutorial. We’ve built the only guide you’ll need for 2025, walking you through every single tap and swipe.
How to Use AirTM Mobile App (2025) | The ONLY Tutorial You Need!
Let’s dive in.
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What is AirTM and How Does it Work?
Think of AirTM as your financial bridge. At its core, it’s a digital wallet that holds your money in AirUSD, a stable digital currency pegged 1:1 with the US Dollar. This protects your funds from local currency devaluation.
The “magic” of AirTM is its vast peer-to-peer (P2P) network. It connects you with verified users (called “Cashiers”) who help you move money in and out of your wallet using hundreds of different payment methods.
- Want to add funds? A cashier will take your local currency (e.g., Nigerian Naira) and deposit AirUSD into your wallet.
- Want to withdraw? A cashier will take your AirUSD and send local currency to your bank account.
It’s a global marketplace for money, accessible right from the AirTM mobile app.
AirTM Account Setup: Your Step-by-Step Verification Guide
Before you can unlock the app’s full potential, you need to get set up and verified.
- Download the App: Head to the Google Play Store or Apple App Store and download the “AirTM” app.
- Sign Up: Follow the simple on-screen instructions to create your account.
- Verify Your Identity: This is the most crucial step for unlocking unlimited transactions and securing your account.
Why AirTM Verification is Essential
Verification (or KYC – Know Your Customer) is a standard security measure. Once verified, transaction limits are lifted, and you gain access to all features, including the P2P network.
How to Create a Verified AirTM Account
Inside the app, navigate to Settings > Verification. You will be asked to provide:
- Your Country: Select your country of residence (e.g., Nigeria, USA, India).
- Government-Issued ID: You’ll need to upload a clear photo of your identification. For users in Nigeria, this can be your NIN document, driver’s license, or international passport.
- A “Liveness” Check: The app will use your phone’s camera to take a quick selfie or short video to prove you are a real person.
Verification is often quick, but if there’s an issue, support can take up to 72 hours.
See it Done: The verification process can seem tricky. Our complete video guide shows this exact process, step-by-step, so you can get it right the first time.
How to Deposit Funds (Add Money) to Your AirTM Wallet
Once you’re verified, it’s time to fund your account. Tap the “Add” button in the app to get started. AirTM offers a massive range of deposit methods, including:
- Bank Transfer: Deposit directly from your local bank account, whether it’s in NGN, USD, or other currencies.
- E-Wallets: This is a game-changer for freelancers. Add funds from Payoneer, Skrill, PayPal, Wise, and many other e-wallets.
- Cryptocurrency: Send crypto from exchanges like Binance, Coinbase, or any personal wallet.
- Gift Cards: Have an unused Amazon or other retail gift card? Redeem it for AirUSD.
- Cash: Use cash-based services like Western Union to fund your account.
- Mobile Money: A highly popular option in many African and Asian countries.
When you select a method and amount, AirTM finds a verified cashier to complete the transaction with you.
AirTM Withdrawal: Cashing Out Your Funds Explained
Getting your money out is just as easy. Tap the “Withdraw” button. You are essentially selling your AirUSD to a cashier, who will send you money via your chosen method.
All the deposit methods are available for withdrawal, too:
- AirTM to Bank Account: This is the most popular option. Withdraw your digital dollars directly to your local bank account.
- To E-Wallets: Move your funds back to your Payoneer, Skrill, or other e-wallet accounts.
- To Crypto: Cash out to your preferred cryptocurrency wallet or exchange.
- Purchase Gift Cards: Use your usdc balance to buy gift cards, often at a discount.
- To Mobile Money: Get your funds sent directly to your mobile wallet.
Need a Visual Walkthrough? Our 2025 tutorial on YouTube features a live demonstration of how to withdraw funds from AirTM directly to a bank account.
Mastering AirTM P2P: Send, Receive, and Request Money
Beyond adding and withdrawing, the app is a powerful tool for P2P payments.
- Send to other AirTM Users: If your friend or colleague has an AirTM account, you can send them AirUSD instantly using just their email.
- Request Funds: You can generate a payment link to request money from anyone—even if they don’t have an AirTM account. They can pay your request using their own bank or card. This is perfect for invoicing clients.
- QR Code Payments: Quickly pay or get paid by scanning a simple QR code within the app.
Unlock Global Banking: Your AirTM Virtual Account
This is one of the app’s most powerful features for international freelancers. AirTM allows you to generate your own virtual US or Euro bank account details (Checking Account, Routing Number, etc.).
You can use these details to receive payments from platforms like Upwork, Fiverr, Amazon, or any US/EU-based client, just as if you had a local bank account. The funds land directly in your AirTM wallet as AirUSD.
How to Generate Yours: Finding this feature can be tricky. We show you exactly where to click in our complete video tutorial to get your virtual bank account set up in minutes.
How to Earn Money with AirTM (3 Key Methods)
Yes, you can also use the AirTM mobile app to generate an income. Here’s how.
1. The AirTM Referral Program
AirTM has a generous referral program. You can find your unique referral link in the app. Share it with friends, family, or your online audience. When they sign up and complete their first few transactions, you can both earn a bonus reward.
2. Become an AirTM Cashier (AirTM P2P Explained)
This is the most advanced way to earn. A cashier is a verified, experienced user who acts as the other side of “Add” and “Withdraw” transactions. You are the P2P marketplace.
For every transaction you successfully complete, you earn a small commission.
How to become one: This is typically an invitation-only role. The more you use AirTM for a specific payment method (e.g., Nigerian bank transfers), the more likely you are to be invited to become a cashier for that method.
3. Earn Yield on Your Funds (Investment)
The app may offer an “Earn” or “Invest” feature, allowing you to put your AirUSD to work. This often involves investing in cryptocurrencies to earn a potential yield (APY).
Important Disclaimer: This is an investment. All investments carry risk, and cryptocurrencies are highly volatile. You could lose your funds. This is not financial advice, and you should always do your own research.
Key App Features You Shouldn’t Miss
- AirTM Virtual Card: Create a prepaid virtual Visa card directly in the app. You can use this card to spend your AirUSD balance on any website that accepts Visa.
- Stablecoin Transfers: Easily deposit or withdraw stablecoins like USDC, often with very low fees on networks like Stellar (XLM).
- Auto-Withdrawals: Set up rules to automatically send funds to your bank account as soon as they arrive in your wallet.
- Dark/Light Mode: Customize the app’s appearance for your comfort.
The Final Word: Is AirTM Right for You?
If you are a freelancer, remote worker, trader, or anyone in Nigeria (or globally) who needs to bypass the friction of traditional international banking, the AirTM mobile app is a powerful tool. It gives you currency stability with AirUSD, unparalleled payment flexibility, and even ways to earn.
Your Complete Video Walkthrough (The ONLY Tutorial You Need!)
Reading this guide gives you the “what” and “why.” But to truly master the app, you need to see the “how.”
We’ve created the definitive, A-to-Z video masterclass for the AirTM mobile app in 2025. If you have any questions left, this video will answer them. We show you every menu, every button, and every process live.
Click play below to become an AirTM pro in under 20 minutes.
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How to Use AirTM Mobile App (2025) | The ONLY Tutorial You Need!]
P.S. As a special bonus for our community, be sure to check the description of that video for a special sign-up link to get started on your AirTM journey.