StablePayBJ

Accept stablecoin payments and auto-convert to CFA for Benin web3 businesses.

Score: 7.6/10BJMedium BuildReady to Spawn
Brand Colors

The Opportunity

Problem

Beninese web3 startups cannot use traditional banks for crypto transactions due to BCEAO prohibitions, directly blocking their business expansion.

Solution

StablePayBJ lets startups embed crypto invoices on their sites, accept USDC/USDT from clients, and auto-ramp to bankable CFA via compliant processors. Handles wallet integrations and provides payout scheduling to skirt bank prohibitions.

Target Audience

Web3 startups operating in Benin

Differentiator

One-click invoice-to-CFA conversion with Benin bank integrations (mobile money focus).

Brand Voice

friendly

Features

Crypto Invoice Generator

must-have18h

Create/share payable links or embed widgets.

Auto-Conversion

must-have22h

Instant stablecoin to CFA ramps post-payment.

Wallet Connect

must-have15h

Supports MetaMask, WalletConnect for payments.

Payout Scheduler

must-have12h

Batch and schedule CFA payouts to mobile money.

Payment Analytics

must-have10h

Track revenue, conversion rates.

Custom Branding

nice-to-have8h

White-label invoices.

Recurring Billing

nice-to-have10h

Subscription invoices in crypto.

Multi-Currency

nice-to-have12h

Support BTC/ETH ramps.

Total Build Time: 107 hours

Database Schema

users

ColumnTypeNullable
iduuidNo
emailtextNo
business_nametextNo
created_attimestampNo

Relationships:

  • β€’ one-to-many: invoices

invoices

ColumnTypeNullable
iduuidNo
user_iduuidNo
amountintNo
crypto_typetextNo
statustextNo

Relationships:

  • β€’ foreign key: users.id

payouts

ColumnTypeNullable
iduuidNo
user_iduuidNo
invoice_iduuidYes
cfa_amountintNo
statustextNo
scheduled_attimestampYes

Relationships:

  • β€’ foreign key: users.id, invoices.id

API Endpoints

POST
/api/invoices

Generate new invoice

πŸ”’ Auth Required
POST
/api/invoices/:id/pay

Process payment webhook

POST
/api/payouts

Request CFA payout

πŸ”’ Auth Required
GET
/api/analytics

Fetch payment stats

πŸ”’ Auth Required

Tech Stack

Frontend
Next.js 14 + Tailwind CSS + shadcn/ui
Backend
Next.js API routes + Supabase Edge Functions
Database
Supabase Postgres
Auth
Supabase Auth
Payments
Stripe
Hosting
Vercel
Additional Tools
Resend (emails)Zod (validation)Wagmi (web3 hooks)

Build Timeline

Week 1: Auth & invoice CRUD

25h
  • βœ“ Signup
  • βœ“ Invoice generator

Week 2: Payment integration

30h
  • βœ“ Wallet connect
  • βœ“ Webhook handling

Week 3: Payout & conversion

25h
  • βœ“ Ramp logic
  • βœ“ Scheduler

Week 4: Analytics & deploy

20h
  • βœ“ Dashboard charts
  • βœ“ Landing

Week 5: Testing & extras

15h
  • βœ“ Branding options
  • βœ“ Mobile resp

Week 6: Optimizations

10h
  • βœ“ Recurring bills
Total Timeline: 6 weeks β€’ 145 hours

Pricing Tiers

Free

$0/mo

$1k volume limit

  • βœ“10 invoices/month
  • βœ“Basic ramps

Pro

$30/mo

$20k volume

  • βœ“Unlimited invoices
  • βœ“Auto-conversion
  • βœ“Analytics

Enterprise

$99/mo

Unlimited

  • βœ“All Pro + Recurring
  • βœ“Priority ramps
  • βœ“API

Revenue Projections

MonthUsersConversionMRRARR
Month 11513%$60$720
Month 68018%$430$5,160

Unit Economics

$35
CAC
$350
LTV
6%
Churn
90%
Margin
LTV:CAC Ratio: 10.0xExcellent!

Landing Page Copy

Get Paid in Crypto, Cash Out in CFA – Effortlessly

Stablecoin invoices for Benin web3 startups with instant local conversions.

Feature Highlights

βœ“Embed anywhere
βœ“Auto CFA payouts
βœ“Wallet ready
βœ“Zero bank hassle

Social Proof (Placeholders)

"'Invoices pay themselves!' - CryptoArtBJ"
"'Game-changer for clients.' - BeninDAO"

First Three Customers

Post in Benin Web3 WhatsApp groups (200+ active) offering beta access; email founders from Benin Crypto Association directory; run $50 LinkedIn ads targeting 'web3 Benin' with free trial signup.

Launch Channels

Product Huntr/SaaSTwitter #Web3AfricaHacker News

SEO Keywords

stablecoin invoices Benincrypto payments web3 BeninUSDC to CFA converterBCEAO crypto invoicing

Competitive Analysis

Coinbase Commerce

commerce.coinbase.com
1% fee
Strength

Global scale

Weakness

No local fiat ramps

Our Advantage

CFA-specific conversions

🏰 Moat Strategy

Data from payment flows improves conversion rates; integrations lock-in startups.

⏰ Why Now?

Exploding stablecoin use in Africa post-2023 regs; Benin web3 scene growing 3x YoY.

Risks & Mitigation

technicalmedium severity

Wallet integration bugs

Mitigation

Use battle-tested libs like Wagmi

executionhigh severity

Ramp partner reliability

Mitigation

Multi-provider fallback

Validation Roadmap

pre-build5 days

Landing page + waitlist

Success: 50 signups

launch21 days

Beta with 10 users

Success: $500 processed

Pivot Options

  • β†’Pure invoicing without ramps
  • β†’Expand to Nigeria
  • β†’Fiat invoicing add-on

Quick Stats

Build Time
145h
Target MRR (6 mo)
$900
Market Size
$4.0M
Features
8
Database Tables
3
API Endpoints
4