01 · Problem
What was stuck
Users distrust floating rates and vague settlement times. Security (biometrics, payment passcodes, account freeze) must show up without sounding like fear marketing.
All case studiesFintech · Nigeria
Xpend: USDT in, Naira out — crypto spending for Nigeria
Lagos-to-Enugu reality: crypto liquidity is everywhere, but spending it still means OTC workarounds. Xpend turns USDT into bank payouts and bills in seconds.
At a glance
USDT → NGN
Core flow
~30–60s
Settlement
Nigeria-first
Market
justxpend.ai
Live
Wallet & payouts
The story in 60 seconds
02 · What we did
How we shipped
Centered four primitives — payouts, bills, FX, wallets — with locked-quote UX and bank settlement proof. App Store / Play CTAs sit above security and recovery sections written for power cuts and phone swaps.
03 · Takeaway
Why it mattered
No bank queues. No browser tabs. Just one app and a number you trust.
Xpend locks FX before confirm, settles to GTBank, Access, Opay, Kuda, and PalmPay, and treats lost-phone recovery as a first-class product surface. The marketing site had to feel as fast as the claim.
More from this build
Bills & FX
Security & recovery
Built with
Production stack
Next.js
React.js
TypeScript
Tailwind CSS
Node.js
