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NairaFlow

Stablecoin savings on Monad

Consumer remittance UX with built-in savings discipline

Spend in naira.
Store conviction in dollars.

NairaFlow receives stablecoins, routes spending power instantly, and protects a portion in USD before lifestyle inflation can erase it.

Create Account Open Demo

Split

$100

becomes spend + reserve automatically

Flex

1 tap

to skip savings in emergencies

Network

Monad

positioned for high-throughput payments

Live split preview

Incoming transfer: $100

Protected

Spendable balance₦108,000

Protected USD vault$10.00

Auto-save rate

10%

Flex mode

Ready

Automatic Protection

Every transfer is automatically split between spendable cash and protected savings.

Inflation Defense

Keep your savings in stablecoins (USDC/USDT) to protect against currency volatility.

Emergency Flexibility

Need extra cash? Use Flex Mode to skip savings on your next transfer.

Built for African remittance behavior

Smart Splitting

When you receive money, NairaFlow automatically splits it into spendable Naira and protected savings in USDC. Default is 10% savings, but you control the percentage.

Clear Conversion Story

Users immediately understand what they can spend in Naira and what remains protected in USD. That story is stronger than generic wallet UX.

Monad-Ready Experience

The app is shaped around fast, low-friction consumer interactions, which is the right product surface for Monad. The next step is proving those flows onchain.

10%

minimum saved automatically by default

7 days

cooldown after using Flex Mode

Turn remittance into disciplined wealth.

The concept is strong when the product feels premium and the onchain proof is visible.

Get Started Free

Spend in naira.Store conviction in dollars.