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Making money movement understandable and dependable.

Sector
Payments
What we did
Product strategy, product experience, trust design
Platforms
App and web
01The rate

A live price, with the clock showing.

From the shipped app.

Mular’s Swap screen: USDT to Naira, a conversion fee shown before any amount is typed, the buy rate per USDT and a countdown to the next rate
  1. 01The fee before the amountThe conversion fee is on screen before a digit is typed.
  2. 02The rate, per unitOne USDT in Naira, at the rate the swap will use.
  3. 03A clock on the quoteThe rate refreshes on a visible countdown, so the number never changes behind anyone’s back.
A green Pay with Crypto table card, powered by Mular, for 21 Bistro, standing on a restaurant table
02Out in the world

Pay with Crypto, on the table.

A Mular table card at 21 Bistro: a guest scans the code and pays in crypto at the table.

03When it stalls

The screens nobody screenshots for a pitch deck.

Money apps are judged on these.

Mular wallets with the Naira and bonus balances still on screen, above a line asking the user to pull to refresh or try again later
A partial failure stays partial. The balances that loaded stay put; one plain line says what to do next.
A pending USDC transfer: amount, date, a free fee, the total leaving the wallet, a transaction reference, and the receipt button held back until it settles
Pending, itemised. What left, what it cost, a reference to quote, and no receipt until there is something to receive.
04What needed changing

People moving value between stablecoins and Naira had to understand wallets, rates and peer-to-peer marketplaces just to send money. The one question they actually ask is “where is my money?”, and the alternatives answered it badly.

05Decisions we made

What we chose, and why.

01

Hide the blockchain inside an ordinary payment.

Wallets, gas, hashes and chains stay in the back end. They only surface when they explain a delay or a failure.

What the sender sees beside what the system records, shown only when it explains a delay
What the sender sees beside what the system records, shown only when it explains a delay
02

Show what arrives before anyone confirms.

The receiving amount is on every screen, the Mular fee and the network fee are split, and the rate says it is live rather than locked.

The send screen: an amount in either currency and exactly what the recipient receives
The send screen: an amount in either currency and exactly what the recipient receives
03

Check the name before an irreversible send.

A wrong account number belongs to a real stranger, so the recipient’s name is fetched and shown back before Continue switches on.

Choosing a destination: each form resolves the recipient’s name before the button activates
Choosing a destination: each form resolves the recipient’s name before the button activates
06The work

The product, as shipped.

Redrawn from the shipped product with representative data.

Mular in one view: fund, bills, swap, send, business accounts, history, receipts and international transfers
Mular in one view: fund, bills, swap, send, business accounts, history, receipts and international transfers
The Mular dashboard: one balance with a USD and NGN toggle and live per-asset rates
The Mular dashboard: one balance with a USD and NGN toggle and live per-asset rates
What they see firstOne balance with a USD and Naira toggle, and live rates beside every asset.
A pending transfer: waiting on the receiving bank, with each step named and nothing for the sender to do
A pending transfer: waiting on the receiving bank, with each step named and nothing for the sender to do
What the app explainsPending is a wait, not an error. The screen names the stage and says there is nothing to do, so nobody sends twice.
A completed transfer: a three-line plain-language trail ending at the recipient’s bank
A completed transfer: a three-line plain-language trail ending at the recipient’s bank
How it endsA three-line trail in plain words that finishes at the bank account the Naira landed in.
07What followed

What followed

$2.1M+processed volumeSource: Mular admin dashboard, 8 June 2026
19K+transactionsSource: Mular admin dashboard, 8 June 2026
5,400+usersSource: Mular admin dashboard, 8 June 2026
80+business accountsSource: Mular admin dashboard, 8 June 2026
—Who leads the workAbout us →

The same people, from the first call to launch.

Tomiwa OgunmodedeOwns framing, product, brand, experience and the critical creative and commercial decisions.
Adejoke AdedapoOwns client strategy, communications, media thinking, delivery and the commercial rhythm around the work.
Balogun AbiodunOwns engineering architecture, feasibility, integrations and turning decisions into resilient working software.
—Keep going

If this sounds familiar.