Fintech and payments

At Mular I designed individual and business KYC/AML journeys for Nigerian users and diaspora senders, including a BVN-only tier up to ₦50,000 and re-verification when NIN checks failed. A separate crypto-funded route could pay out in Naira without creating a Naira wallet. I also designed quote, fee and bank-settlement states so users knew what they were sending, what would arrive and what to do when a transfer stalled.

$2.1M+ processed · 19K+ transactions · 5,400+ users · 80+ business accounts

Nigeria’s first digital agriculture crowdfunding platform asked urban Nigerians to commit money to farms they might never visit. First-time commitment is the hardest moment in any financial product: the user has no history with you and every reason to be careful. I rebuilt the mobile journey around the questions people needed answered before committing — which farm, what return, over what cycle, and what happens to the money in between.

18% → 60% first-time sponsorship conversion

A parent, a child, a school and a merchant each needed different authority over the same balance. That is a permissions problem before it is a payments problem: who may spend, who must approve, who can only request, and who is allowed to reverse something the others thought was finished. I reframed the product from child savings into a four-sided permissions model and designed the delegated-authority flows across it.

Techstars / Anjal Z Founder Catalyst · Web Summit Qatar PITCH top-three finalist

Regulatory dashboards, data visualisation and cryptocurrency-monitoring concept work for CBN- and SEC-facing contexts. The work focused on making transaction and wallet activity legible for policy and oversight audiences without overstating deployment or adoption.