> 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/how-we-fix-it/current-progress.md).

# Current Progress

{% hint style="success" %}
**Status: Live and growing.** Real users, real spend, zero paid acquisition.
{% endhint %}

## What's Live

| Product                | Status       | Details                                   |
| ---------------------- | ------------ | ----------------------------------------- |
| Web app                | ✅ Live       | [app.nofi.money](https://app.nofi.money/) |
| Telegram mini-app      | ✅ Live       | Companion access via Telegram             |
| Visa debit card        | ✅ Live       | Gnosis Pay self-custodial Visa, Colombia  |
| COP off-ramp           | ✅ Live       | Koywe integration for Colombian peso      |
| Cross-chain routing    | ✅ Live       | LI.FI integration in-product              |
| Yield on balances      | ✅ Live       | M^0 pass-through yield (APY)              |
| NØFI engine            | ✅ Live       | Live in 5 LATAM markets                   |
| DaywaPay (white-label) | 🛠️ Building | First white-label for Myanmar diaspora    |

## Traction

* **Zero paid acquisition** — 100% organic growth through community referrals
* **Active usage** from the Medellín content-creator community — studios and individual creators onboarding organically
* **Card spend growing** month-over-month with strong retention
* **5 LATAM markets live** — proven rails, zero build risk for expansion

## The Team

| Name                    | Role                   | Background                                                                                                                                                                                                                  |
| ----------------------- | ---------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Christopher Garrido** | Founder & CEO          | Blockchain & payments expert with 8+ years building LATAM payment infrastructure. Processed millions from creators across Latin America. PSP insider with direct banking & card-issuance relationships across five markets. |
| **Htet Arkar Kyaw**     | Founder & CTO          | Mobile banking expert. 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. A household name in Myanmar. Anchors white-label community distribution.                                                                                       |

## Legal & Corporate

* ✅ NØFI Terms of Service drafted
* ✅ **NØFI LABS** registered (Google Play Console org, D-U-N-S issued)
* ⏳ iOS Apple Developer enrollment in progress
* ✅ Brand consolidated under **NØFI** across all product and marketing surfaces
* ✅ First white-label brand (DaywaPay) established with direct Myanmar bank relationships

## Milestones

| Timeline     | Milestone                                   | Impact                                                |
| ------------ | ------------------------------------------- | ----------------------------------------------------- |
| **Now**      | NØFI engine live in 5 LATAM markets         | Proven rails, zero build risk                         |
| **+45 days** | First white-label Android launch (DaywaPay) | Thailand → Myanmar corridor                           |
| **Q4 2026**  | NØFI mobile app + Southeast Asia launch     | Expand NØFI to SEA markets                            |
| **2027**     | Additional LATAM + white-label expansion    | Replicate across new markets and diaspora communities |
| **2027+**    | On-chain credit and underwriting            | Transaction-based lending                             |

## The Raise

{% hint style="info" %}
**$1M SAFE** — Open now. $10M post-money cap. Founder-friendly pro-rata.

Funds allocated to: NØFI mobile app, first white-label launch, corridor liquidity, community activation, and expansion to additional LATAM and Southeast Asian markets.
{% endhint %}

This page will be kept current as the product moves from web to mobile and expands beyond the initial beachheads.

{% hint style="info" %}
For the latest product, visit [app.nofi.money](https://app.nofi.money/)
{% endhint %}


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