Birthright Ntuk

Xebar

Making crypto-to-cash feel simple.

Product Designer · Fintech · Crypto · Mobile

Xebar was built to make converting digital assets to local currency faster and safer

than traditional P2P trading. I led end-to-end product design for V1 and the first phase

of V2, translating a complex crypto-to-bank flow into an experience everyday users

could understand.

Xebar was built to make converting digital assets to local currency faster and safer than traditional P2P trading. I led end-to-end product design for V1 and the first phase of V2, translating a complex crypto-to-bank flow into an experience everyday users

could understand.

₦1.6B+

Processed in beta

100k+

Users today

30 Sec

Record offramp

₦1.6B+

Processed in beta

100k+

Users today

30 Sec

Record offramp

Getting crypto into your bank shouldn't feel

like a negotiation.

Introduction: The Crypto Liquidity Crisis

in Nigeria

Introduction: The Crypto Liquidity Crisis in Nigeria

That introduced a chain of problems:

Find a trader → negotiate a rate → send crypto → wait for payment → verify payment → deal with disputes

For many Nigerian crypto users, converting crypto to cash meant relying on P2P marketplaces.

Nigeria has emerged as one of the world's most active cryptocurrency markets, driven by a young, tech-savvy population and a need for alternative financial solutions. However, despite widespread adoption, a critical problem persists: converting crypto to cash quickly, safely, and at fair rates remained a nightmare

for most users.

Nigeria has emerged as one of the world's most

active crypto currency markets, driven by a young, tech-savvy population and a need for alternative financial solutions. However, despite widespread adoption, a critical problem persists: converting

crypto to cash quickly, safely, and at fair rates

remains a nightmare for most users.

For many Nigerian crypto users, converting crypto to cash meant relying on P2P marketplaces.

That introduced a chain of problems:

Find a trader → negotiate a rate → send crypto → wait for payment → verify payment → deal with disputes

Insights from my conversations with our target market: Why P2P is Broken

Rampant Scams & Fraud

Rampant Scams & Fraud

Fake payment screenshots, chargeback fraud, and impersonation scams cost users millions

monthly. No recourse for victims, once crypto is sent, it’s gone.

Fake payment screenshots, chargeback fraud, and impersonation scams cost users millions monthly. No recourse for victims, once crypto is sent, it’s gone.

Slow & Unreliable Transactions

Slow & Unreliable Transactions

Bank delays, trader disputes, and network congestion meant users sometimes waited hours or even days for their cash. High volatility often led to losses while waiting for transactions to be completed.

Limited Accessibility

Limited Accessibility

Not everyone could find trustworthy P2P traders, especially outside major cities.

New users often fell prey to manipulative exchange rates.

Not everyone could find trustworthy P2P traders, especially

outside major cities. New users often fell prey to manipulative exchange rates.

No Direct Integration with Other Platforms

No Direct Integration with Other Platforms

Betting sites, e-commerce stores, and freelancers needed crypto-to-fiat conversions but had no direct solution. Users had to first convert on P2P, then manually transfer funds, adding unnecessary steps.

Betting sites, e-commerce stores, and freelancers needed crypto-to-fiat conversions but had no direct solution. Users had to first convert on P2P, then manually transfer funds, adding

unnecessary steps.

Xebar's opportunity was to remove the middleman entirely.

From finding a buyer to simply converting your money.

Rather than building another P2P marketplace, Xebar connected the crypto transaction directly to the user's bank account. That meant the product had to make a traditionally technical process feel familiar, predictable and trustworthy

TRADITIONAL P2P

Crypto → P2P trader → Bank account

XEBAR

Crypto → Xebar → Bank account

Crypto → Xebar → Partner platform

The design challenge became less about making a crypto exchange look familiar and more about

making an unfamiliar financial system feel trustworthy.

Start with where the money is going.

Start with where the money is going.

Connecting your bank account

Before asking users to move crypto, we established the destination for their money. Connecting a bank account upfront removed uncertainty later in the transaction and gave users a clear understanding of where their funds would land.

Designed to establish trust before the transaction begins.

Designed to establish trust before the

transaction begins.

Make the conversion feel familiar.

Converting assets to cash

Crypto introduces unfamiliar concepts - wallets, assets, networks, exchange rates and transaction fees. The conversion flow deliberately kept the user's attention on the things they actually needed to make a decision: what they're converting, how much they'll receive and where the money is going.

Select the asset you wish to convert to cash

Select the asset you wish to convert to cash

Select the bank account you wish to receive your funds

Select the bank account you wish to receive
your funds

Copy and send funds to your uniquely generated wallet and eceive in your
bank account in a flash

Copy and send funds to your uniquely generated wallet and eceive in your bank account in a flash

Complex infrastructure behind the scenes. One straightforward decision in the interface.

Platform integrations

Platform integrations

The off-ramp didn't have to live exclusively inside Xebar. We explored integrations that allowed users to move crypto into partner platforms directly, reducing the number of steps between owning an asset and actually using it.

The best financial flow can sometimes be the one users don't have to leave their current experience to find.

Two days to turn an idea into a product.

Two days to turn an idea into

a product.

Xebar V1 moved fast. I had two days to take the core product from concept to a

build-ready experience.

Xebar V1 moved fast. I had two days to take the core product from concept to a build - ready experience.

DAY 01

Understand → Map → Wireframe

DAY 02

Prototype → Refine → Handoff

The constraint forced us to focus on the smallest experience that could prove the product's value. V1 established the core off-ramp. From there, I continued into the first phase of V2 as the product expanded.

Xebar went from concept to real transactions.

₦ 1.6 Billion+

Processed in first quarter of beta launch

100%

Reduction in P2P fraud complaints among our users by selling to xebar directly

5K+ to 100k+

Beta downloads - Current downloads

30 sec

Record off-ramp

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