The financial super-app that connects the global crypto economy to everyday Nigerian commerce.
| Quick Links | |
|---|---|
| 🚀 Live App Demo | bundle.splashycm.xyz (Optimized for mobile) |
| 🎬 Watch the 3-Min Video Pitch | Watch on YouTube |
| 📊 View the Pitch Deck | Pitch Deck Link |
| 📊 View the Certification Link | Hedera Developer Certification Link |
(Click the image to watch the 3-minute video)
For the growing class of Nigerian crypto-earners, Bundle is the financial super-app that acts as a universal router, allowing them to instantly spend their digital assets on any real-world service, from airtime to bank transfers, without ever touching a traditional off-ramp.
Nigeria has one of the world's most vibrant crypto economies. Yet, using this digital value for daily life is slow, expensive, and complex. The bridge between Web3 earnings and real-world expenses is broken. Bundle fixes this.
Bundle is a non-custodial web app built on Hedera. Our backend acts as an intelligent routing engine:
- User Pays in Crypto: A user initiates a payment for a N10,000 bank transfer using USDC.
- Hedera Confirms: We confirm the transaction in 2-3 seconds on the Hedera network.
- Router Executes in Fiat: Our backend instantly makes a N10,000 Naira payment to the recipient from our corporate account via the Paystack API.
- The Result: The recipient gets Naira instantly. They have no idea crypto was involved. It's fast, secure, and regulator-friendly.
This MVP is a fully functional demonstration of the core 'OpenRouter for Fiat' technology. The user interface has been optimized for a mobile-first experience, which is the primary target for our consumer app.
For the best experience, please view the live app on a mobile device or by using your browser's responsive mobile viewer.
Bundle is designed as a super-app ecosystem to address all four hackathon tracks:
- Onchain Finance: Flawless stablecoin off-ramping for real-world assets.
- DLT for Operations: Our B2B API (vision) will automate corporate expenses.
- Immersive Experience: Our roadmap includes NFT loyalty badges and DeFi savings vaults.
- AI & DePIN: Our core moat is an AI-powered routing engine that ensures the cheapest, most reliable payment path.
- Frontend: React, Vite, TypeScript, Tailwind CSS
- Wallet Integration: AppKit React (@reown/appkit-react)
- Backend: Node.js, Express
- Blockchain: Hedera Network (Testnet)
- Fiat Payments: Paystack API (Sandbox)
- Deployment: AWS EC2 (Frontend & Backend)
To run this project locally, please follow these steps:
- Clone the repository:
git clone https://github.com/boadley/bundle.git - Install backend dependencies:
cd backend && npm install - Install frontend dependencies:
cd frontend && npm install - Create and configure your
.envfiles in both directories using the.env.exampleas a guide. - Run the backend:
cd backend && npm start - Run the frontend:
cd frontend && npm run dev
Bundle is a foundational financial primitive designed to seamlessly bridge the global digital asset economy with local African commerce, starting with Nigeria. It is an intelligent, high-throughput liquidity router that enables crypto-earners to spend stablecoins directly on real-world services, eliminating the friction of P2P off-ramping and traditional banking delays.
Africa is home to the fastest-growing crypto user base in the world. A new generation of tech talent, freelancers, and creators earns in a global, digital-native currency (USDC, USDT) but lives in a local, fiat-based economy. This creates a fundamental, high-friction divide. The current process of off-ramping via P2P exchanges is slow, risky, and inefficient—a painful, multi-step process to simply pay for daily essentials.
Bundle solves this. We are building the primary transaction layer for this new economy, a future where digital assets are as liquid and spendable as local currency. We are not just an app; we are building the core infrastructure to power real-world adoption of Web3 in Africa.
Bundle functions as a sophisticated abstraction and routing layer built on the Hedera network. Users fund their wallet with HTS-based stablecoins like USDC and can instantly execute payments for a vast ecosystem of local services.
- Instant Bill Pay: Pay for airtime, data bundles, electricity tokens, and TV subscriptions in under 5 seconds.
- Direct-to-Bank Transfers: Settle payments directly to any Nigerian bank account (NUBAN), with instant name verification providing critical trust and security. The merchant receives a standard Naira credit alert, requiring zero Web3 knowledge.
- Abstraction Layer: The user experience is elegantly simple. The complexity of crypto-to-fiat conversion, payment gateway routing, and settlement is handled by our intelligent backend, making digital assets immediately useful.
Bundle is engineered to win the Onchain Finance & RWA track and is a prime contender for the Cross-Track Champions grand prize.
- Dominance in Onchain Finance & RWA: We are creating the most powerful financial tool for the unbanked and digitally-native population. By treating stablecoins as a liquid, spendable asset, we bypass legacy financial friction entirely. Our future roadmap includes the tokenization of Real-World Assets (RWAs) like local farm co-ops, allowing users to invest and earn yield within the same ecosystem they use for daily spending.
- Cross-Track Innovation (AI & Immersive Experience): Our vision extends beyond simple payments.
- AI & DePIN: "The Brain" layer leverages AI for predictive bill management and advanced fraud detection, creating a smart, self-improving system. This aligns directly with the AI & DePIN track's focus on intelligent, decentralized solutions.
- Immersive Experience: "The Flywheel" introduces Hedera-native token rewards, cashback incentives, and NFT-based loyalty badges, creating a gamified and sticky user experience that drives deep engagement and community ownership.
- Unmatched Real-World Impact: While other projects may explore theoretical concepts, Bundle solves a tangible, widespread, and urgent problem for millions of Africans today. Our execution plan demonstrates a clear path to mass adoption.
Our architecture is a hybrid onchain/offchain orchestration engine designed for institutional-grade performance and security.
- Onchain Core: We leverage the Hedera Token Service (HTS) for managing stablecoin deposits and our native reward token, ensuring scalability and low-cost transactions. The Hedera Consensus Service (HCS) is used for verifiable logging of critical off-chain events, creating a transparent and auditable trail of transactions.
- Intelligent Routing Engine: Our off-chain backend maintains persistent, high-availability connections to dozens of Nigerian payment aggregators (Interswitch, Paystack, Baxi). It performs real-time FX calculation and routes payments through the most efficient channel.
- AI-Powered Security: A proprietary AI model analyzes transaction patterns in real-time to detect anomalies, prevent fraud, and ensure the security of user funds, moving beyond simple rule-based systems.
Bundle's real-time settlement promise is impossible on any other network. Our choice of Hedera is a deep, strategic necessity.
- Fast & Final Consensus (aBFT): For a financial router settling real-world payments, probabilistic finality is a non-starter. Hedera's 2-3 second finality with aBFT security provides the absolute mathematical certainty required to confidently trigger an irreversible Naira payment on the backend.
- Low, Fixed-Fee Transactions: Paying for a N1,000 (~$1) airtime top-up is only viable with Hedera's ultra-low, predictable fees. This allows for true micropayment use cases that are economically impossible on volatile, high-fee EVM chains.
- Institutional-Grade Governance: Building the financial infrastructure for a continent requires a stable, reliable, and credibly-governed foundation. The Hedera Governing Council provides the long-term stability needed to build trust with users, regulators, and enterprise partners.
Bundle is not a walled garden; it is a catalyst for the entire Hedera Africa ecosystem.
- Bundle for Business (API): Our B2B API will allow other Hedera-based dApps (from gaming to DeFi) to seamlessly integrate our real-world payment rails. A Hedera-based gaming app could, for example, allow users to cash out their in-game token rewards directly as airtime using our API.
- NFT Loyalty Platform: The NFT loyalty badges are built on HTS and can be integrated into other Hedera NFT marketplaces and metaverse projects, creating a cross-platform identity and reward system.
- DeFi Primitive for RWA: "The Vault" feature will become a foundational DeFi primitive, allowing other protocols to build structured financial products on top of our high-yield, RWA-backed vaults.
- Phase 1 (Q1-Q2 2026): Launch in Nigeria and achieve market dominance by onboarding 100,000 crypto-earners. Secure partnerships with major tech hubs and freelancer communities.
- Phase 2 (Q3 2026): Activate the "Flywheel" and "Brain" layers. Launch the Hedera-native cashback token and NFT loyalty program. Roll out AI-powered predictive bill management.
- Phase 3 (Q4 2026): Pan-African Expansion. Begin rollout in Kenya, Ghana, and South Africa. Launch the "Bundle for Business" API and introduce the first tokenized RWA investment products in "The Vault."