ikonicity-airban/celo-naija

# Celo Naija – README **Send Money. Pay Bills. Buy Airtime. With Your Phone Number.** --- ## 🚀 **What is Celo Naija?** **Celo Naija** is a **mobile-first, Nigeria-first remittance app** that empowers **anyone with a phone** to send money, pay bills, and buy airtime — **no bank account or seed phrase required**. Powered by **Celo L2**, it transforms your phone number into a secure wallet via **SocialConnect**, uses **cNGN** (Naira-pegged stablecoin) for instant transfers, and includes **USSD fallback (*888#)** for feature phones like Nokia or Tecno. It's designed for the 40M+ unbanked Nigerians, slashing fees from 7–12% (Western Union) to **<1%** while feeling as simple as WhatsApp. **Live Demo:** celo-naija.vercel.app (Sepolia testnet) --- ## ✨ **Key Features** | Feature | Description | Tech Highlight | |---------|-------------|---------------| | **Phone-Number Wallet** | Enter `+234...` → Instant login & wallet creation | SocialConnect + Valora | | **Instant cNGN Sends** | Send ₦5,000 to another phone in <10 seconds | CeloNaija.sol escrow | | **Bill Payments** | NEPA, DSTV, Bet9ja via QR or meter number | BillPayEscrow.sol + Chainlink oracles | | **Airtime Top-Ups** | MTN, Airtel, Glo — convert airtime to cNGN | Mock MTN MoMo API (real integration ready) | | **USSD Fallback** | `*888#` menu for basic phones: Send, Check Balance | Africa’s Talking sandbox | | **Zero Gas Illusion** | Fees paid in cNGN — users see **₦0** | Celo fee abstraction | | **Receipt NFTs** | Mint on-chain proof for every transaction | ERC-1155 integration | **Target Users:** Diaspora Nigerians ($24B remittances/year), unbanked traders, students paying JAMB fees. --- ## 🏗️ **Tech Stack** | Layer | Tech | Why It Fits Naija | |-------|------|-------------------| | **Blockchain** | Celo L2 (Sepolia → Mainnet) | <0.01 USD/tx, mobile-first | | **Contracts** | Solidity 0.8.28 + Hardhat + Ignition | TypeScript-safe, one-click deploys | | **Stablecoin** | cNGN (testnet) → Monierate (l …