🚀 Project: Global Stablecoin Wallet
💡 The Opportunity
Building a next-generation crypto wallet that makes stablecoin payments as simple as Venmo, specifically targeting emerging markets where traditional currency systems fail. Think "Stripe meets Trust Wallet" for countries with unstable currencies.
Why now? 2+ billion people in emerging markets lack access to stable financial infrastructure. Nigeria alone has 40M+ crypto users despite government restrictions. Stablecoin market is exploding ($280B+ and growing 26% annually).
👨💼 About Me (Business Co-Founder)
Background
Business & Marketing Expert with proven track record
Previous venture: Built and operated business generating ~$750K annual revenue
Currently completing mandatory military service (discharge January 2026)
Available 30+ hours/week now, full-time commitment from January 2026
Deep experience in business operations, strategy, and growth
Market Expertise
Target Markets: Nigeria, Kenya, Philippines, and other emerging economies with currency instability
Local Networks: Established connections in target regions
User Research: Conducted interviews with crypto users in emerging markets
Competitive Analysis: Deep analysis of PayPal, Stripe, Trust Wallet, MetaMask, and other fintech leaders
Vision
Creating financial inclusion through simplified crypto infrastructure. Targeting markets where local currency fails to serve as reliable store of value.
🔍 What I'm Looking For in a Technical Co-Founder
Essential Skills
Mobile Development: Native iOS/Android or React Native expertise
Blockchain Integration: Experience with multi-chain wallets, Web3 APIs
Full-Stack Development: Backend systems, API integrations, security
Technical Foundation Already Established
Base Architecture: Forking Unstoppable Wallet (2M+ downloads, MIT license)
Crypto Engine: Trust Wallet Core integration (130+ blockchain support)
Revenue Model: Proven swap fee model ($299M annually for MetaMask)
Ideal Profile
3+ years mobile app development
Previous crypto/fintech experience preferred
Startup mindset and ownership mentality
Ready to commit full-time immediately
📊 Market Opportunity & Traction
Market Size
Global Remittances: $68.5B to emerging markets (2024)
Crypto Wallet Market: $108B projected by 2033 (26.3% CAGR)
Nigeria Crypto Adoption: 40M+ users despite regulatory challenges
Competitive Advantage
Simplified UX: Hide blockchain complexity (no gas fees, network selection)
Hybrid Architecture: Off-chain internal transfers + on-chain external transfers
Emerging Market Focus: Built specifically for unstable currency environments
Proven Tech Stack: Leveraging battle-tested open source foundations
Revenue Model (Validated)
Swap Fees: 0.875% per transaction (MetaMask model: $299M annually)
Payment Processing: 2-3% merchant fees (Stripe model: $7B+ annually)
Premium Features: Subscription services for advanced users
🎯 Current Status & Next Steps
Done
✅ Market research and competitive analysis completed
✅ Technical architecture planned (Unstoppable Wallet + Trust Wallet Core)
✅ User interviews conducted with target market
✅ Revenue model validated through competitor analysis
✅ Currently rebranding wallet (in progress)
💰 Funding & Equity
Target Raise
Pre-Seed: $10M for MVP development and market validation
Vision: Building toward $2 trillion company valuation
Equity Structure
Merit-based allocation based on contribution and commitment
Equal partnership consideration for technical co-founder bringing complementary skills
Vesting schedule with founder-friendly terms
🤝 Why Partner With Me?
Proven Business Acumen: Successfully built $750K revenue business
Market Access: Established networks in target emerging markets
Strategic Vision: Deep understanding of fintech landscape and user needs
Execution Ready: Can start working together immediately
YC Aligned: Planning to apply to YC main program together
📞 Ready to Start Tomorrow
Looking for a technical co-founder who's as excited about financial inclusion as I am about business growth. If you have the technical skills to build world-class mobile apps and want to create meaningful impact in emerging markets, let's talk.
Timeline: Available for immediate collaboration (30+ hours/week), with full-time commitment starting January 2026 post-military discharge.
Available for immediate collaboration. Let's build the future of global payments together.
"Making crypto as simple as Venmo, accessible as cash, and global as the internet."
Hey Vextor — saw this is a few months old but the topic is one I've been deep in for a while, so worth chiming in.
Solo built MyFriendlyWallet (myfriendlywallet io) over the last stretch from Norway, working through Crypteria AS. Soon live on Google Play, 54 chains, gasless on Base (USDC/EURC) and Solana (USDT), and it ended up looking pretty close to what you're describing as the goal: send to a @username, hide chain selection, hide gas tokens, hide everything until the user asks for it.
A few things I learned that might save you time:
The "Stripe meets Trust Wallet" angle is real but the wedge isn't where I expected. I built it for consumer P2P (Venmo on-chain). External feedback after launch keeps pointing me toward merchant Stripe-replacement instead — specifically importers and freelancers in Lagos, Buenos Aires, Karachi, Caracas and Istanbul who already route USDT through WhatsApp/Telegram groups because card processors don't serve them. Worth thinking about which of these two narratives you actually want to be primary, because the homepage you build for each is different.
Forking Unstoppable + Trust Wallet Core gets you 70% of the way fast but you'll still spend months on the unglamorous parts: fee handling, balance freshness across chains, gasless relayer pools, RPC reliability, getting Play Store + App Store to approve a crypto wallet from a non-US entity. Plan for that.
On revenue: 2-3% merchant fees won't fly for stablecoin payments. The whole reason emerging-market merchants are already using USDT in Telegram is to escape exactly those fees. I charge 0.25% on send, free to receive, and even that took some thought. Worth pressure-testing your model against what informal channels already cost (~0.5-2% spread).
On the $2T valuation / $10M pre-seed framing — emerging-markets payments is a serious market but pre-seed at $10M for an unbuilt MVP wallet competing against MetaMask, Trust, Phantom and a wave of stablecoin-native players is going to get hard pushback. I'd lean into showing something working with real users before the valuation story.
Happy to compare notes if useful, or just be a sounding board. Either way good luck with it — it's a real space.