> For the complete documentation index, see [llms.txt](https://docs.nofi.money/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.nofi.money/welcome-to-nofi.md). # Welcome to NØFI ![NØFI — NEW ORDER FINANCE](/files/B18rK8af3WvtHRFGNYJe) {% hint style="info" %} **NØFI** — NEW ORDER FINANCE. A self-custody stablecoin neobank for the people traditional banking ignores. {% endhint %} #### The Opportunity Over **400 million people** in Latin America and Southeast Asia earn internationally but are stuck banking in broken local currencies. They lose value to devaluation, capital controls, and predatory FX spreads every single day. Stablecoins solved the "hold in dollars" problem — but almost nobody has solved **"live on stablecoins"**: spend them like money, get a real card, earn real yield, without giving up self-custody. NØFI is building that missing layer. #### What NØFI Does | Feature | Description | | ------------------------------ | ------------------------------------------------------------------------------------------ | | **Self-Custody Wallet** | Non-custodial embedded wallet — you control your keys, not us | | **Visa Debit Card** | Self-custodial Visa card, live in Colombia — spend stablecoins at 80M+ merchants worldwide | | **Yield on Idle Balances** | Earn APY pass-through yield on stablecoin holdings | | **Fiat Off-Ramps** | Seamless local currency conversion — COP live, more markets coming | | **Cross-Chain Routing** | LI.FI-powered liquidity aggregation across chains | | **White-Label Infrastructure** | Deploy branded neobanks for diaspora communities worldwide | #### Why Now Stablecoins have crossed **$200B in circulation** and **$30B+ in daily volume**. Monthly active stablecoin users have surpassed **30 million** — comparable to top neobanks like Revolut. Yet the vast majority of this value is held and traded, not spent as money day-to-day. The rails are ready. The users are waiting. What's missing is the product that makes stablecoins feel like a bank account — with the UX of a Nubank and the self-sovereignty of a hardware wallet. #### Distribution Strategy NØFI scales through two parallel channels — direct acquisition and white-label deployments: **Direct: Content Creators in Medellín** NØFI's first direct market is the content-creator economy in Medellín, Colombia — a community that is paid internationally, underserved by local banks, and has zero patience for friction. **White-Label: Diaspora Communities** NØFI's infrastructure can deploy as **branded neobanks** for specific diaspora and community markets. The first white-label deployment is **DaywaPay** — a version of the NØFI platform built for the Myanmar diaspora (\~7M people, \~$5B annual remittances), co-founded by **Dave Leduc**, the World Lethwei Champion and a household name in Myanmar with 4M+ followers. Same self-custody infrastructure, same Visa card, same yield — localized branding and community-driven distribution. {% hint style="success" %} **Two flywheels, one infrastructure.** Every white-label deployment shares NØFI's core stack, meaning each new market adds volume and leverage without rebuilding. {% endhint %} #### The Team | Name | Role | Background | | ----------------------- | ---------------------- | ---------------------------------------------------------------------------------------------------------------------------------- | | **Christopher Garrido** | Founder & CEO | 8+ years building LATAM payment infrastructure. PSP insider with direct banking & card-issuance relationships across five markets. | | **Htet Arkar Kyaw** | Founder & CTO | CEO of Dinger. Forbes Asia 30 Under 30. Built ledger, KYC & AML systems for Tier-1 institutions. | | **Dave Leduc** | Founder & Distribution | World Lethwei Champion. 4M+ followers across Southeast Asia. Anchors white-label community distribution. | #### Documentation Overview This documentation covers: * **Flow of Funds** — How a payment moves from a partner app into NØFI and back out as USDC * **Integrations** — Connect a Solana wallet from any other fintech to NØFI * **Getting Started** — A quick map of the product * **Current Gaps** — What's actually broken in banking, crypto wallets, and stablecoins today * **How We Fix It** — NØFI's masterplan, product, tech stack, and traction * **NØFI DAO** — Governance and token mechanics *(coming soon)* To use the product today, visit [app.nofi.money](https://app.nofi.money/). --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. 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