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This guide gets you a funded testnet wallet so you can exercise Payluk’s crypto deposit flow end-to-end without spending real money. You’ll add the cNGN token to MetaMask on the BNB Smart Chain (BSC) Testnet, claim test cNGN from the faucet, and whitelist your address.
This setup is for testnet only — testnet tokens have no monetary value. When you test deposits against the API, use the staging base URL https://staging.api.payluk.ng.
Payluk settles crypto only in cNGN as a BEP-20 token on the Binance Smart Chain (BSC). Sending any other token, or using any other chain, results in lost funds.

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Prerequisites

  • A desktop browser — Chrome, Firefox, or Brave recommended
  • A Payluk account
  • A few minutes

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Add cNGN to MetaMask

1

Install MetaMask

Add the MetaMask extension to your browser, then follow the prompts to create or import a wallet and securely store your seed phrase.
Install MetaMask
2

Add the BSC Testnet network

  1. Go to testnet.bscscan.com.
  2. Scroll to the bottom left of the page.
  3. Click Add BSC Testnet Network.
Add BSC Testnet network
3

Confirm the network in MetaMask

  1. Open the MetaMask extension.
  2. Click the network dropdown at the top.
  3. Confirm BNB Smart Chain Testnet is now listed.
Confirm BSC Testnet in MetaMask
4

Import the cNGN token

  1. With BNB Smart Chain Testnet selected, find the Tokens section.
  2. Click the three-dot icon (⋮) on the right of the network entry.
  3. Select Import Token.
  4. Paste the cNGN BSC Testnet contract address, then click Import.
Find the current BSC Testnet contract address in the official cNGN repository: github.com/wrappedcbdc/stablecoin-cngn. Always copy it from the source rather than reusing one pasted elsewhere.
Import cNGN token
5

Verify cNGN appears in your wallet

You should now see cNGN listed below BNB in your MetaMask token list.
cNGN in MetaMask

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Claim test cNGN from the faucet

1

Whitelist your address with cNGN

  1. In MetaMask, click Receive and copy your EVM wallet address.
  2. Log in to your cNGN account.
  3. Open the Whitelist section and add the address you copied.
Whitelist address on cNGN
2

Request tokens from the faucet

  1. Go to cngn.co/faucet.
  2. Paste your whitelisted EVM wallet address.
  3. Select BSC as the network.
  4. Submit — 1,000 cNGN will be sent to your wallet. 🎉
This is the cNGN issuer’s whitelist — it gates who can claim from the faucet. It is separate from Payluk’s deposit whitelist (covered next).

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Use your testnet cNGN with Payluk

You now have a funded BSC Testnet wallet. To deposit that cNGN into a customer’s Payluk wallet, the sending address must be whitelisted with Payluk — Payluk only credits deposits from whitelisted addresses, and deposits from unknown addresses are reverted.
1

Whitelist your sending address with Payluk

Add the same address via Add whitelisted address with the buyer’s customer-id header (or from the dashboard). Use network: "BSC".
curl -X POST https://staging.api.payluk.ng/v1/whitelist-address \
  -H "Authorization: Bearer sk_test_…" \
  -H "customer-id: <customerId>" \
  -H "Content-Type: application/json" \
  -d '{
    "walletAddress": "0x0915ea16f52b11444695d283e6c0f5936d1e0d56",
    "network": "BSC",
    "label": "My testnet wallet"
  }'
2

Get the deposit address

Call Get master wallet address to retrieve the Payluk deposit address the customer should send cNGN to. The response also includes a qrCode and an explorerUrl.
3

Send cNGN on BSC

From MetaMask, send your test cNGN (BEP-20, BSC) to that deposit address. Once the transfer confirms on-chain, the funds are credited to the customer’s Payluk wallet.
A deposit from a non-whitelisted address is not credited — it is reverted to the sender. Whitelist the address with Payluk before sending funds.

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Summary

StepAction
1Install the MetaMask browser extension
2Add BSC Testnet via testnet.bscscan.com
3Confirm BNB Smart Chain Testnet in MetaMask
4Import the cNGN token using its BSC Testnet contract address
5Verify cNGN appears in your wallet
6Whitelist your address on cNGN and claim 1,000 cNGN from the faucet
7Whitelist the address with Payluk and deposit cNGN to the master wallet address

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Next steps

Crypto whitelist

Manage the addresses a customer is allowed to deposit from.

Get master wallet address

The destination address customers send cNGN to.

How it works (end-to-end)

See where wallet funding fits in the full merchant journey.

Create a payment intent

Move funds via withdrawal, deposit, wallet transfer, or crypto.