Who
Nigerians aged 19–40 who hold stablecoins - expats, remote workers paid in crypto, and locals hedging inflation. They pay 3+ bills monthly and juggle multiple apps today.
A crypto-powered mobile app that lets users in Nigeria pay everyday bills - airtime, data, electricity, flights - directly from their stablecoin wallet, with bulk checkout and a built-in reversal system.
Project overview
Airbills bridges the gap between crypto savings and everyday bill payments in Nigeria - designed for clarity, speed, and trust.
Who we designed for
Before opening Figma, I framed the problem around four questions. These kept every screen tied to a real user need - not feature creep.
Who
Nigerians aged 19–40 who hold stablecoins - expats, remote workers paid in crypto, and locals hedging inflation. They pay 3+ bills monthly and juggle multiple apps today.
What
A mobile app to pay utilities, airtime, data, and travel bookings directly from a stablecoin wallet - with bulk checkout, dual currency display, and a reversal ticket system.
When
A focused 4-day sprint: Day 1 research & personas, Day 2 wireframes & flows, Days 3–4 hi-fi UI, prototype, and case study deck.
Why
Inflation drives crypto savings, but spending that value on local bills still means delays, failed transfers, and hopping between apps. Users want control without Web3 complexity.
Discovery
I ran a Google Forms survey (18 respondents), two informal interviews, and competitive analysis. Here are the findings that shaped the design.
83%
frustrated by too many apps / steps to pay one bill
15 of 18 respondents
72%
save in crypto or stablecoins to hedge inflation
13 of 18 respondents
40%
experienced failed or delayed bill transfers
7 of 18 respondents
89%
would use bulk crypto bill pay if the UI is simple
16 of 18 respondents
61%
pay 2+ bills in the same week regularly
11 of 18 rated 4+ on frequency scale
67%
currently use fintech apps (OPay, PalmPay) for utilities
12 of 18 respondents
These are some of the questions I asked 18 respondents (friends and crypto community members) to validate pain points around bill payments and crypto usage.
Airbills Research Survey · 8 questions · ~3 min · Responses are anonymous
1 = Never · 5 = Very often
Mapped against OPay, Binance, and Patricia - Airbills is the only one offering bulk crypto bill pay, flight booking, and a reversal system together.
Ideation
I started on paper - 12 screens sketched in one sitting - then used ChatGPT to stress-test layouts for Home, Bulk, and Refer-a-Friend before moving to Figma.
ChatGPT helped me draft lo-fi layouts and copy faster. Every suggestion was validated against survey data before it touched Figma.
Users
Two personas anchored every design decision. I followed up with short, informal conversations to pressure-test flows before hi-fi work.
When you pay electricity and airtime in the same week, what does that look like?
Bro, it's three apps minimum. Binance to off-ramp, then my bank, then either OPay or I find an agent. Last month electricity token didn't drop for two hours - I was panicking because my daughter was home.
If you could stack bills and pay once, would you?
100%. Like adding to cart. If I see Naira amount and dollar amount side by side, even better - I think in both.
What would make you trust a crypto bill app?
Clear status. If something fails, I need to know who to talk to - not a Twitter DM. A ticket system inside the app would calm me down.
You get paid in USDT. Walk me through paying your DSTV last month.
P2P on Binance, wait for buyer, send to Opay, then pay. The rates alone stress me. I just want to tap 'TV' and done.
Does "Connect Wallet" on login feel approachable or scary?
Scary if it's the only option. I liked that login with email exists and wallet is optional. Don't make me feel dumb for not knowing seed phrases.
Favorite part of the concept?
Bulk payments honestly. I'd do airtime for my mum, data for me, and electricity in one go every month.
User flows
Hi-fi screens
Every screen below maps back to a wireframe sketch and a research insight.
Onboarding & auth
Home & services
Bulk payments & checkout
History & reversal
Prototype
Figma prototype recording - onboarding through bulk payment. Tap play to walk through the full flow.
Design system
Lexend Deca carries weight and clarity for money in motion. DM Sans keeps labels, body copy, and UI controls readable at small sizes.
$2,000 USDT
Pay 5 bills in one checkout
A code was sent to your email. Enter it below to confirm your payment.
$2000 usdt
Enter 5-digit code
Recent Transactions
Your electricity payment is processing
Aug 6th, 1:03 PM
Orange signals action and crypto energy. Mint grounds trust, success, and calm utility flows.
Brand
Status
UI Kit
Reusable building blocks - buttons, banners, timers, and loading states used across every screen.
Reflection
