1. Title Slide
Logo + Tagline: “NairaX — Africa’s Digital Currency for Everyday Use”
Subtext: Payments • Commerce • Mobility • Remittances • Savings
2. The Problem
350M+ unbanked in Africa.
Cross-border trade & remittances = high fees & delays.
Inflation & unstable local currencies erode trust.
Crypto exists, but not usable day-to-day (volatility, poor UX).
3. The Solution
NairaX (NX) — a fiat-pegged digital currency with real-world products.
Stable, fully backed, auditable.
Simple wallets, local cash-in/out, and on/off ramps.
Everyday use cases: shopping, rides, bills, remittances.
4. Core Thesis
Make NX the currency people actually use day-to-day
Build horizontal rails: wallets, APIs, fiat ramps, liquidity.
Plug in vertical products:
Commerce (NXBazaar)
Mobility (NXRide)
Bills & Airtime
Remittances
Savings & Yield
5. Shared Infrastructure (Backbone)
NX Stablecoin Protocol: peg + reserve attestations.
NX Wallet: custodial/non-custodial, fiat ramps, USSD.
On/Off Ramps: banks, telcos, cash agents.
Liquidity Pools: NX/USDT, NX/USDC, market makers.
Compliance Layer: KYC/AML, sanctions, legal playbook.
Merchant & Developer APIs: payments, QR, shop plugins.
6. Product A — NXBazaar (eCommerce Marketplace)
Neutral marketplace, prices in NGN, settlement in NX.
Escrow smart contracts + delivery tracking.
Monetisation: seller fees, ads, fulfillment fees.
Trust layer: KYC + seller staking + dispute resolution.
7. Product B — NXRide (Ride-Hailing)
Uber/Bolt-style, fares in NGN shown as NX equivalent.
Escrow + instant settlement to driver wallets.
Driver incentives in NXR governance token.
Monetisation: ride commissions, driver subscriptions, ads.
8. Token Architecture
NX = stable currency (used for payments, settlement, savings).
NXR = governance & incentives (used for staking, rebates, driver/merchant rewards, DAO votes).
Separation keeps NX stable & predictable, while NXR powers growth.
9. User Flows (Examples)
NXBazaar:
Buyer pays in NX → Escrow → Delivery confirmed → Seller receives NX minus fee.
NXRide:
Rider fare pre-authorised in NX → Escrow → Released to driver after ride → Instant cashout.
10. Monetisation
Marketplace fees: 0.5%–3% per sale.
Ride commissions: 10%–20% per fare.
FX spread & ramp fees: basis points on conversions.
Premium merchant/driver features.
Conservative yield on reserves.
11. Roadmap (Prioritised Milestones)
A: Core rails (contracts, wallet, ramps, liquidity).
B: Merchant APIs (gateway, escrow, plugins).
C: NXBazaar MVP.
D: NXRide MVP.
E: Scale layer (cards, remittances, CEX listings, enterprise APIs).
12. Market Opportunity
$1.5T African economy growing digital adoption.
Remittances: $95B/year to Sub-Saharan Africa.
eCommerce: projected $75B by 2025.
Ride-hailing: $7B+ by 2030.
First-mover stablecoin with real-world consumer rails.
13. Team & Partners
Product leads (marketplace, mobility).
Blockchain & backend devs.
Mobile engineers.
Compliance/legal officers (Nigeria, Ghana, Kenya).
Treasury & audit (AfriVault).
PSP, bank, telco partners.
14. Risks & Mitigation
Regulation → Sandbox + proactive central bank engagement.
Liquidity → Seed pools + market-maker program.
Fraud → Escrow + seller bonds + dispute resolution.
Peg risk → Conservative reserves + attestations.
UX friction → Local currency pricing + USSD + cash agents.
15. Closing Vision
NX becomes:
Africa’s everyday money for consumers.
Settlement layer for merchants, fintechs, and enterprises.
Trustworthy store of value for savers.
Digital rails for governments, banks, and corporates.
NX is not just a token. It’s Africa’s first digital financial ecosystem.
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