Skip to content
Obiba

GLOBAL MONEY. EVERYDAY LIFE.

Digital dollars.
Real possibilities.

Receive digital dollars. Use them through the financial systems you already know — mobile money, banks, merchants and everyday bills.

Explore Obiba

One USDC balance.

Familiar ways to pay.

Local by design.

FROM GLOBAL INCOME TO LOCAL LIFE

Getting paid is one thing.Using it should be simple.

Your digital dollars. The local ways you already pay.

Explore Obiba
Illustrative portrait of four friends in Obiba-blue clothing enjoying a sunny afternoon together in Accra.

For the life
you’re living.

  • Mobile money
  • Local banks
  • Everyday bills

GLOBAL MONEY. LOCAL RAILS.

One balance.
Your everyday.

Obiba app preview showing a USDC balance, a local currency equivalent, and everyday payments.

ONE BALANCE. YOUR LOCAL WORLD.

Digital dollars underneath.
Everyday money on top.

One USDC balance.

Your Obiba balance is held in USDC.

Obiba app showing a USDC balance alongside local currency and everyday payment services.

A familiar perspective.

Local equivalents give you a familiar perspective.

One Obiba balance

56.28USDC

Local equivalents of one USDC balance
MarketLocal equivalent
Ghana≈ GH₵844
South Africa≈ R1,013
Kenya≈ KSh7,260
Nigeria≈ ₦84,420

Equivalent values at illustrative rates — not separate wallets.

Familiar ways to pay.

When you pay locally, Obiba is designed to handle conversion and settlement underneath.

Explore your balance
Mobile moneyLocal financial rails
Local banksLocal financial rails
MerchantsLocal financial rails

Ghana is the starting market. Other markets and cross-market transfers are planned.

OBIBA GHANA

Built around
how money moves.

Obiba doesn't ask people to abandon the financial systems they already use. It connects stablecoins to them.

Meet Obiba Ghana
Illustrative scene of a Ghanaian shop owner welcoming a customer holding a phone at a neighborhood provisions store.
STARTING IN GHANA

Familiar places.
Familiar ways to pay.

  • Mobile money

  • Local banks

  • Merchants

  • Bills

  • Cards

    Planned

THE OBIBA NETWORK

Local roots.
Global reach.

Each market has its own currency, rails and regulation. One shared foundation is designed to connect them.

Explore the network
AFRICA / OUR FIRST CHAPTERBuilt around people.

Starting here

GhanaGHS

Local currency. Familiar ways to pay.

  • Mobile money
  • Banks
  • Merchants
  • Cards

CROSS-MARKET TRANSFERS / PLANNED

Johannesburg to Lagos. Closer than it feels.

One Obiba-to-Obiba transfer. Each person sees a balance that makes sense locally. The settlement happens underneath.

TM

Thabo

Johannesburg, South Africa

Obiba Balance

80.00 USDC

≈ R1,440

20.00 USDC

via Obiba Network

AO

Ada

Lagos, Nigeria

Received

+20.00 USDC

≈ ₦30,000

Illustrative scene of an independent creative professional working in an airy Accra studio.

FOR INDIVIDUALS

Earn globally.
Live locally.

Your digital dollars should work in real life. Built for remote workers, freelancers, stablecoin earners and international professionals.

Obiba for individuals

Get paid

Receive USDC from clients, platforms and employers anywhere.

Spend

Use local financial services directly from your balance.

Send

Pay people through the local rails they already use.

Card

Spend from your Obiba balance wherever cards are accepted.

Planned

Global

Send to another Obiba user in another market.

Planned

BUILT FOR WHAT COMES NEXT

Financial accounts for AI agents.

Give software agents controlled access to money without giving up control of your account.

Planned Agent Accounts bring dedicated budgets, programmable permissions and human approval to the Obiba network.

Explore Agent AccountsTalk to us

ONE FINANCIAL NETWORK

  1. Humans · Businesses · Merchants · AI agents
  2. Obiba
  3. Stablecoins + local financial rails

Global money. Local rails. With you in control.

FOR BUSINESS

Global money.
Local momentum.

Collect in stablecoins. Pay out through local rails. One financial foundation for the places your business works.

Obiba for business
Illustrative portrait of a Ghanaian founder packing an order in her ceramics studio.
01

Collections

Accept stablecoin payments from customers and partners.

Illustrative scene of creative colleagues collaborating in an Accra studio.
02

Payouts

Pay people through local financial rails.

Illustrative scene of a finance team reviewing business plans.
03Planned

Treasury

Manage stablecoin and local liquidity in one place.

Illustrative scene of a logistics team preparing orders.
04Planned

Global accounts

Operate across Obiba markets.

Illustrative scene of a customer and merchant at a boutique checkout.
05Planned

Cards

Business spending from your Obiba balance.

Illustrative scene of software colleagues working in a technology studio.
06Developer platform planned

APIs

Build on Obiba.

Collections, position 1 of 1

TREASURY / PLANNED

Local payments need
local liquidity.

Making digital dollars usable inside local financial systems requires local currency liquidity, treasury management and reliable settlement. Obiba is designed to connect these layers.

THE LOCAL LIQUIDITY LAYERPlanned

Global funding

USDC treasury
Digital dollars

Obiba

Liquidity & settlement

Connect global funds to local payment systems.

Local settlement liquidity

GHS / Ghana
Local currency
BanksMobile moneyMerchants
Illustrative architecture. Treasury capabilities are planned; availability depends on each market.

SECURITY & COMPLIANCE

Finance starts
with trust.

Obiba is being designed to operate through the appropriate regulatory structures and licensed financial partners in each market.

Explore the approach to identity, security and financial infrastructure before you put it to work.

Explore security
Illustrative scene of business founders carefully reviewing work together.

Identity

KYC and account verification.

Security

Encryption, biometrics and device protection.

Risk

Transaction monitoring and fraud controls.

Compliance

Country-specific regulatory architecture.

Infrastructure

Regulated financial and payment partners where required.

THE FOUNDATION

The internet made money global.
Life is still local.

Everyday finance depends on local infrastructure. Obiba connects global digital money to that local world.

People see phone numbers, local money, banks, merchants and mobile money. One core connects the experience underneath.

  1. People & businesses

    • People
    • Businesses
    • Merchants

  2. Obiba experience

    • Phone numbers
    • Local money
    • Payments

  3. USDC ledger

    • One source-of-truth balance

  4. Core services

    • Liquidity
    • Risk
    • Compliance
    • Settlement

  5. Local rails

    • Banks
    • Mobile money
    • Merchants
    • Billers

Global digital money

Local financial networks

Obiba

Illustrative portrait of a professional participating in the digital economy.

A MORE CONNECTED FINANCIAL WORLD

Finance should not depend on where you were born.

Millions of people participate in the global digital economy while living in markets where access to modern financial services remains limited.

Obiba's long-term goal is to make modern financial services more accessible through the local systems people already understand.

Our story

Money should work wherever you are.

Starting in Ghana.
Expanding market by market.

Talk to us