Roadmap

Everything on this page is on our roadmap. If one of these fits what you are building, talk to us about joining as an early partner.

Bitcoin and gold

Many users want to hold bitcoin or gold against the naira, not only dollars. Today that takes two trades, naira to USDT and then USDT to bitcoin or gold, with a spread on each.

Today

1. Naira

3. USDT

   First trade, first spread

5. Bitcoin or gold

   Second trade, second spread

With Pulse

1. Naira

3. Pulse

   One price, every step handled

5. BTC or XAUT

Pulse will add BTC and XAUT, Tether's tokenised gold, to the same flow you use today. You ask for one price, and Pulse handles every step behind it. Bitcoin runs on Pulse BTC, our bitcoin execution engine.

For: wallets, savings and investment apps, and banks.

Credit, lending, and savings

A credit, lending, or savings product needs capital, collateral, risk rules, and settlement. Most apps cannot build all of that, so their users go elsewhere to borrow or earn. Pulse will offer these as modules you switch on inside your app, under your brand and settled in naira.

• Instant withdrawals

  Naira now, against holdings your user already has. Repaid when the redemption settles.

• Lending

  Save in USDT, borrow against it, repay in naira. For small businesses and individuals.

• Savings

  Users earn yield on their USDT in savings pots

For: savings, investment, and wallet apps, microfinance banks, and merchant networks. You own the customer and decide who qualifies.

Treasury: send naira, not a rate

Most of the time a business just needs naira in a bank account: a supplier invoice, a payroll run, a vendor payment. Today someone watches the rate, requests a quote, pays inside the window, and keeps money waiting with the right provider.

1. Stablecoin balance

   You fund it once

3. Pulse

   Finds naira on the best route at the moment you pay

5. Verified account

   Receives the exact naira amount

You send naira by amount. Pulse applies the rate and debits your balance. There is no quote window to manage. Every payment shows the naira sent, the rate, and the stablecoin it cost.

For: importers and traders, platforms that pay vendors and contractors, and any business that holds stablecoins but spends in naira.

Bring your own banks and liquidity

Large platforms already have their own banking and liquidity partners. They want the routing, but they do not want to give up the rails they built.

1. All the rails

   • Your banks
   • Your liquidity
   • The shared Pulse stack

3. Pulse

   Routes across all of them by your rules

5. Every order

   Yours, and those of other builders on Pulse

You connect your own banks and liquidity partners. Pulse routes across them and its own stack, by the rules you set. Pulse already supports rules per business. Connecting your own providers is the next step. Your liquidity then also fills orders for other builders, so every platform that joins makes the network deeper.

For: payment processors, banks, large fintechs, and liquidity desks.

A smarter engine

Route optimisation is live today. These changes give it more liquidity and better judgement. None of them changes your integration.

• More liquidity

  New partners, networks, and corridors. Each is a new route Pulse compares on every order.

• On-chain liquidity

  A naira stablecoin and USDT pool, next to banks and desks

• Execution intelligence

  Learns which routes fill fastest, from aggregate data only. No single user or partner is exposed.

• Automated monitoring

  An agent fixes common stuck or failing orders, so your team hears about fewer problems