A problem people bring · solved
Sending money home costs too much
Send USDC on a low-fee network like Base or Solana to a wallet your family controls, then cash out in naira through a licensed local ramp or an escrowed P2P desk that serves Nigeria today. Moving it costs cents. The real cost is the conversion spread, often about 1 to 2 percent, so compare it with a remittance quote. Skip these: guides that still name Binance naira P2P.
- 3 stops
- 40 minutes, all in
- 4 surprises
- 1 live demo
Chapter 1
Who knew?
Your family does not have to cash out the whole amount at once, so they choose the day with the best rate.
A 2 of 3 Safe shared by siblings abroad lets several people chip in to one family pot that no single person can drain.
The naira P2P routes most guides still name are gone: Binance dropped naira in 2024 and Yellow Card closed its retail app in 2026.
The sender can pay school fees in dollars weeks early and the school's naira amount is only fixed on the day the family converts.
Remittance apps are the cheapest and banks are the only safe option.
Moving USDC costs cents on networks like Base, Solana or Arc. The main cost is converting: often about 1 to 2 percent spread on ramps or P2P desks, plus whatever your own exchange charges to buy USDC, so check the quote. Some corridors are cheaper on a remittance app, so compare totals.
Chapter 2
The free route, step by step
3 stops, cheapest first
Three ways through
Pick your route
- Start free tonight
Open a family wallet and test with one dollar
A free wallet and a tiny test send show your family the whole path before real money moves.
- Send dollars across a border in seconds
- Send 1 dollar of USDC first and have your family confirm it arrived.
Cost Free wallet; a test send costs cents.
- The bold play
Pool the family money in one Safe
Siblings abroad top up one pot, every spend is visible, and no one can drain it alone.
- Share a family wallet that needs two of three to move money
- Send dollars across a border in seconds
- Cash out through a Nigerian SEC-approved exchange such as Busha or Quidax.
Cost Gas to create the Safe, cents per send, about 1 to 2 percent spread to cash out.
- Build it
Build the corridor calculator
Built by the HouseDiaspora families need one honest page that shows the real landed naira for every route.
- Own a working onchain app with your name on it
- Pull daily ramp and remittance quotes and publish the totals.
Cost Build time; data is free from public quotes.
Your version
Make this mine
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Past the basics
What’s possible
- Live today
A shared family pot that siblings abroad fill and parents draw from with two approvals.
How Create a 2 of 3 Safe. Each sibling sends USDC on Base. Parents propose spends, a sibling approves.
- Possible to build
A corridor calculator that shows bank, app and stablecoin totals for the same naira amount.
How Pull daily ramp and remittance quotes. Show the landed naira side by side. Embed it on diaspora blogs.
- Possible to build
A school-fees escrow that releases USDC to the school only on the due date.
How Lock USDC in a simple timelock contract. Release to the school wallet or a ramp on the date. Show receipts to every sibling.
Project + project
Combos nobody marketed
- Safe multisig+USDC on Base=
A family pot that siblings in three countries top up and nobody can drain alone.
Why it works Safe needs a set number of owners to approve each payment; USDC on Base moves for cents.
- Tria card+USDC wallet=
Family members spend dollars online straight from the pot, converting only what they must.
Why it works A stablecoin card spends from the USDC balance where it is available.
- a family Safe+Busha or Quidax=
Pooled dollars abroad land as naira through a regulated local exchange.
Why it works Nigeria's SEC gave both provisional approval in 2024.
Chapter 3
Try it live
Do not take our word for it. Arc runs right here, so you can poke at the real thing before you commit to anything.
Screening Room
Watch it first
Chapter 4
Where it matters most
- Nigerians in the UK, US and Canada
Monthly support payments add up, and the gap between quoted rates is large.
- parents paying school fees in Nigeria
Fees are due on fixed dates and holding dollars avoids converting early.
- siblings abroad sharing one parent's upkeep
A shared Safe lets each sibling top up one pot and see every spend.
Chapter 5 · Not built yet?
Build it
A corridor calculator that shows bank, remittance app and stablecoin route totals for the same naira amount, refreshed daily from live ramp quotes.
Who could build it Diaspora families sending money monthly, and Nigerian fintech blogs that want an embeddable widget.
For founders
Uses you never marketed
Connections
People to meet
- Safe
Set up a family multisig and ask about recovery options.
- Arc community
Learn the USDC-native rail and gas paid in USDC.
- diaspora builders
Find others building Nigeria corridors and share ramp notes.
- Busha
Ask about naira payouts for family transfers.
Propose a bridgetwo projects, one outcome neither could reach alone
Questions
Can my family in Nigeria receive USDC?
Yes. Any free self-custody wallet on a phone can receive USDC, and your family keeps it until they choose to sell.
Does Binance P2P still work for naira?
No. Binance removed naira pairs and naira P2P in 2024, so use a ramp or P2P desk that currently serves Nigeria and check before relying on it.
Is sending USDC faster than a bank wire?
USDC transfers settle in seconds to minutes on networks like Base or Solana; the naira cash-out speed then depends on the ramp.
Do I pay tax on money sent this way?
Tax rules on USDC transfers and gifts differ by country, so check with a tax adviser where you live and where your family lives.
Who else in your family abroad already sends money home, and what if you all filled one pot together?
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