StableBill
🚀 Overview
StableBill is a financial infrastructure platform that enables instant stablecoin (USDT/USDC) to Naira payments using cNGN hybrid routing.
It allows businesses, freelancers, and marketplaces to accept crypto payments and settle instantly in local currency — eliminating P2P friction, delays, and fraud risks.
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⚡ Problem • Stablecoins are widely used in Nigeria, but spending them is difficult • Current flow relies on P2P trading, which is: • Slow • Risky (scams) • Manual and inefficient • Businesses cannot easily accept crypto payments • No seamless infrastructure exists for instant crypto → fiat settlement
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💡 Solution
StableBill provides a one-click payment infrastructure:
USDT/USDC → cNGN → Naira (Bank Settlement) • Instant conversion with zero FX volatility • Seamless invoicing & payment links • Built-in escrow (vault system) for trustless transactions • API infrastructure for platforms and developers
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🔁 Hybrid Routing Flow 1. User pays with USDT/USDC 2. Funds are swapped to cNGN (on-chain) 3. cNGN is settled instantly to Naira 4. Recipient receives funds in bank account
Powered by cNGN (Nigeria’s regulated 1:1 Naira stablecoin)
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🧱 Core Features
💳 Payments & Invoicing • Generate invoices and payment links • Accept USDT/USDC globally • Instant Naira settlement
🔐 Escrow Vault (Trust Layer) • Buyer deposits funds into vault • Both parties track transaction • Funds released based on agreement: • Example: 30% → 40% → 30% • Perfect for freelancers & marketplaces
🏦 Wallet System • Receive crypto payments • Transaction history • Optional auto-convert to fiat
🤖 AI Finance Assistant • 24/7 customer care support • Analyze spending patterns • Assist with invoice creation • Fraud detection insights
🔌 API Infrastructure • Payment APIs for businesses • Webhooks for transaction updates • SDK support (coming soon)
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🎯 Target Users • Freelancers & remote workers • SaaS companies • Marketplaces • E-commerce businesses • Crypto-native users in Africa
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🧠 Architecture Overview
Frontend (Next.js + Tailwind + ShadCN)
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Backend (Node.js / API Layer)
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Blockchain Layer (USDT/USDC, cNGN)
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Banking Rails (Naira Settlement)
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🛠 Tech Stack (Planned) • Frontend: Next.js, TailwindCSS, ShadCN • Backend: Node.js (Express / NestJS) • Database: PostgreSQL • Blockchain: Base / EVM-compatible chains • Smart Contracts: Solidity • Payments: Stablecoins (USDT/USDC) + cNGN • Hosting: Vercel / Railway / AWS
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📍 Roadmap
Phase 1 — MVP • Wallet UI • Invoice generation • Payment simulation • Transaction tracking
Phase 2 — Infrastructure • Real crypto payments integration • cNGN routing integration • Bank payout system
Phase 3 — Escrow System • Vault contracts • Milestone-based payments • Dispute system
Phase 4 — API & Scale • Public APIs • Developer dashboard • SDK release
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🔐 Security & Compliance (Planned) • KYC/AML integration • Smart contract audits • Fraud detection systems • Regulatory alignment with Nigerian fintech laws
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🌍 Vision
To become the default financial infrastructure layer for stablecoin payments and fiat settlement across Africa.
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🤝 Contributing
Contributions, ideas, and collaborations are welcome.
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📬 Contact
For partnerships or inquiries: • Email: [email protected]
This project is under active development. Some features are simulated and will be connected to real infrastructure in production.