AbaPay is a decentralized Web3 protocol built on the Celo network that seamlessly bridges crypto assets with everyday fiat utilities. It allows users to pay for electricity, cable TV, internet data, airtime, and execute direct bank transfers using stablecoins (USDT, USDC, cUSD) without needing to off-ramp through centralized exchanges.
To accelerate Web3 utility and financial inclusion in emerging markets by building seamless, decentralized bridges between crypto ecosystems and real-world utility networks.
Crypto users in emerging markets face significant friction when trying to use their digital assets for real-world expenses. The process of off-ramping crypto to fiat via P2P networks is slow, incurs high multi-step fees, and introduces counterparty risks. This makes it highly inefficient for users to pay for basic daily utilities, internet access, or to remit money directly to local bank accounts using their Web3 wallets.
AbaPay provides a direct, non-custodial gateway via smart contracts to instantly convert and route Web3 stablecoins to fiat endpoints. By integrating with major utility APIs and local banking settlement systems, AbaPay enables instant, secure, and low-cost vending of everyday services—and direct bank deposits—straight from a user's self-custodial wallet (such as MiniPay), completely eliminating the need for traditional off-ramping.
Want to grow through just grant funding
Nigeria (with infrastructure scaling for Pan-African expansion)
