Most early-stage payments companies write about their product in the present tense long before it exists in the present tense. We would rather be legible than impressive, so here is the actual state of things.
What is being built
Merchant acceptance is the flagship and the first thing that will exist for real customers. That means QR — static for the simplest counter, dynamic where the exact amount matters — and Android SoftPOS, which turns a merchant’s own NFC phone into the terminal. Behind both sits the part nobody photographs: settlement timing, reconciliation, and the reporting that lets a business close its books without a spreadsheet archaeology exercise.
Multi-currency follows it. Dollar balances, virtual cards and cross-border movement are a second phase of the same product rather than a different company, and they will be launched with licensed partners in step with the regulatory framework rather than ahead of it.
The institutional digital-asset line runs alongside both, serving business counterparties under written agreement.
What is in progress
- Product engineering on the acceptance stack.
- Partner and licensing work — the relationships that regulated activity has to sit on.
- Go-to-market design for the first merchant segments: restaurants and QSR, retail chains, events and hospitality, and high-transaction SMEs.
- The commercial and legal scaffolding — introducer terms, confidentiality, partner scope documents.
What is still a plan
Regional expansion beyond Nigeria. The later stages of the multi-currency roadmap. The data and routing layer that a flow business only earns the right to build once it has flow. These appear in our materials as roadmap, and they are labelled that way in the room as well as on the page.
Why write this down
Because everyone who matters checks. A sponsor bank’s risk function checks. An investor’s diligence process checks. A merchant who has been let down by a payments provider before checks hardest of all. A claim that does not survive that scrutiny does not just fail — it takes the rest of the conversation with it.
We would rather lose a meeting than win one on a claim that unravels in diligence.
So the standard we hold ourselves to is simple: in build means in build, planned means planned, and any figure we put in front of you is either sourced to a third party or labelled indicative. If you find something on this site that fails that test, tell us and we will fix it.