Stabnance — Spend Crypto Like Cash
Stabnance is a financial ecosystem where crypto meets real-world commerce. Designed end-to-end across mobile app, web app, and website platforms, Stabnance acts as a unified bridge enabling everyday users to send, convert, and spend crypto seamlessly as local currency (Naira), while empowering businesses with custom payment collection, auto-conversion, international payouts, and team management tools. Today, the platform powers smooth, real-time crypto-to-fiat operations for over 5,000 active users.
year
2026
role
Product Designer (Mobile App, Web App & Website)
industry
Fintech, Web3, Payments
tools used
timeline
8 weeks
the problem
What are we Solving?
For individual users, holding crypto is straightforward, but spending it in everyday situations is frustrating. Most individuals rely on peer-to-peer (P2P) transfers or manual conversions before making local purchases—processes riddled with delays, security risks, and complex steps.
For merchants and businesses, accepting crypto presents financial risk. Fluctuating exchange rates cause potential losses, while traditional wallets fail to provide essential operational necessities like transaction visibility, automated fiat settlement, international payouts, or multi-user team access.
research & Findings
Here’s what I found
72% of users rely on P2P platforms, but 68% express distrust for larger transactions due to fraud risks.
67% of merchants stated they would accept crypto only if payments automatically settled into local currency in real time without exchange losses.
64% of individuals feel forced to manually convert crypto to fiat prior to spending, creating unnecessary friction.
54% of businesses highlighted team-level account management and automated transaction reporting as mandatory for business adoption.
Proposed Solution
What we decided to build
Stabnance was designed as a frictionless financial layer bridging digital assets and local banking infrastructure.
For consumers, the app abstracts away manual conversions: users can enter a Naira amount or scan a business QR code to pay instantly in local currency while their preferred crypto asset is automatically debited at current rates. For businesses, Stabnance provides custom payment collection, instant fiat lock-ins, and built-in workspace organization tools to make crypto merchant acceptance practical and risk-free.
01
Spend Crypto Like Cash
Eliminates manual pre-conversions. Users simply enter a target Naira amount or scan a seller’s QR code. The system automatically calculates and debits the equivalent value from their preferred crypto balance, delivering instant local currency payments to the recipient.
02
Core Crypto Wallet Capabilities
A complete wallet management suite that allows users to buy, sell, and exchange assets effortlessly. Features include: On-Chain Transfers: Send and receive crypto via external blockchain wallet addresses. Multi-Asset Swapping: Swap Crypto-to-Crypto, Crypto-to-Naira, and Naira-to-Crypto seamlessly. Direct Buy/Sell Engine: Liquidity tools for moving between fiat balances and crypto tokens.
03
Merchant QR Collection & Auto-Conversion to Naira
Merchants can display custom QR codes to collect payments instantly from customers. To protect businesses against crypto volatility, incoming payments auto-convert into Naira instantly upon receipt, protecting profit margins.
04
Business Workspace & Team Management
Designed for collaborative business operations. Business owners can invite team members with granular permission levels, allowing employees to initiate or view transactions without compromising full account security.
05
Global Payouts & Cash Flow Analytics
Merchant accounts feature an international payout module for sending global transfers directly from workspace balances. Built-in analytics give businesses complete visibility over incoming money-in/money-out streams, complete with automated transaction report generation.
06
Gift Card Marketplace
An integrated off-ramp enabling individual users to sell gift cards directly within the application and receive instant crypto or Naira funds.
07
Multi-Tier Referral & Affiliate System
A built-in growth engine that allows users and affiliates to share referral links, track network hierarchies, monitor commission earnings (up to 5% on margins), access promotional banners, and withdraw referral earnings directly to their wallet.
other UI screens
