Investment Opportunity · 2026

Nigeria's stablecoin economy needs a place to spend.

22 million Nigerians hold stablecoins. Most earn in USDT. But everyday purchases still require naira — people lose 2–5% every conversion. ZenfiPay fixes the last mile.

$20,000

Friends & Family Round

Express Interest

Nigeria ranked #2 globally in crypto adoption $59B in on-chain volume — 2024 43% of retail crypto transactions are stablecoins $21B in remittances received in Nigeria — 2024 22 million Nigerian crypto holders QR-based acceptance · Any wallet works Nigeria ranked #2 globally in crypto adoption $59B in on-chain volume — 2024 43% of retail crypto transactions are stablecoins $21B in remittances received in Nigeria — 2024 22 million Nigerian crypto holders QR-based acceptance · Any wallet works

#2 globally

Nigeria's crypto adoption rank — $59B in on-chain volume between July 2023 and June 2024

43%

of Nigeria's retail crypto transactions are in stablecoins, driven by naira depreciation

$21B

in remittances received in Nigeria in 2024 — much of it now flowing through crypto rails

The Product

What We've Built

A merchant dashboard, session-based wallet architecture, and QR payment flow. Merchants accept USDT/USDC from any compatible wallet — Phantom, Trust Wallet, MetaMask, Bybit, and more. No ZenfiPay app required for the customer. Payments settle in real time and are recorded in our double-entry ledger.

What This Round Funds

A 30-merchant pilot in Lagos. We're deploying POS terminals and Android tablets to merchant partners, running a dedicated sales team to acquire and activate merchants, and operating for 6 months to prove the core loop — before raising our pre-seed round.

Use of Funds

Friends & Family · 2026

Merchant acquisition — 30 merchants$4,000

Sales team$4,000

POS terminals × 15 (hardware + shipping)$4,794

Android tablets × 5 (hardware + shipping)$250

Office space — 6 month runway$1,920

Infrastructure (cloud + wallet infra) — 6 months$1,980

Miscellaneous (customs, onboarding materials, contingency)$3,056

Total Round$20,000

Investment Terms

Instrument

SAFE

Simple Agreement for Future Equity

Round Size

$20,000

Friends & Family

Min. Cheque

₦150,000

~$120 USD

Converts At

Pre-Seed

Next institutional raise

What Success Looks Like — 6 Months

30 active merchants accepting stablecoin payments via ZenfiPay terminals across Lagos

Proven QR payment flow — customers paying from any compatible wallet without needing the ZenfiPay app

>70% merchant retention at month 3 — demonstrating real utility, not just trial adoption

→

Next raise: pre-seed round targeting $500k to scale to 300+ merchants and expand to a second city

Important disclosure: This is an early-stage investment. ZenfiPay is pre-revenue and in pilot phase. There is no guarantee of return, and investors may lose their entire investment. This round is open only to individuals investing with full awareness of the risk involved. Please only invest what you can afford to lose.

Nigeria's stablecoin economy needs a place to spend.

Stablecoins are widely held in Nigeria.
Spending them without conversion isn't possible yet.

What We've Built

What This Round Funds

Use of Funds

Be part of the story from day one.

Nigeria's stablecoin economy needs a place to spend.

Stablecoins are widely held in Nigeria.Spending them without conversion isn't possible yet.

What We've Built

What This Round Funds

Use of Funds

Be part of the story from day one.

Stablecoins are widely held in Nigeria.
Spending them without conversion isn't possible yet.