tomiwa.philip
all work
WEB32025 — 2026

Zet.money

Product Strategist / CTO

Crypto-native OPay — a stablecoin-rails payment gateway for the Nigerian retail market.

0s

transaction finality

0%

remittance overhead cut

0M+

addressable users

problem

Nigerian retail crypto users want utility — bill payments, virtual cards, P2P — not just speculation. Stablecoin rails are fast but disconnected from local banking (NGM).

approach

Spearheaded the technical roadmap and product strategy for a next-gen crypto-fiat payment gateway. Engineered a high-throughput infrastructure that bridges stablecoin rails with local banking, enabling bill payments, virtual card issuance, and peer-to-peer transfers. Defined and executed the GTM playbook positioning the platform as a 'crypto-native OPay.'

impact

Sub-6-second finality. 40% reduction in cross-border remittance overhead. Positioned for 26M+ potential retail users across Nigeria.

stack

TypeScriptSolidityNode.jsNext.jsPostgreSQLGCP

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