I'm a little new here. Well not so new because I read mostly but this is my first post.
Our company (Digital Encode) recently developed a mobile p2p payments system based on the blockchain. We are at the moment conducting a soft launch.
It's basically an e-wallet that operates pretty much like a cryptocurrency wallet but using the local Naira. Unlike cryptocurrency, this is fully backed 1-to-1: that is, you deposit N1 (fiat) and you get back in your wallet N1 (digital). You can then transfer this to anyone and make payments with QR codes. Anyone may convert the digital Naira back to the paper Naira by redeeming it.
Download the app and Read the Blog
You can download the ShiftBlockchain app from the Google Playstore and create a wallet. If you post your address (wallet ID) here, I will be able to fund you with real money free. The funds will be fully redeemed when we launch soon.
This needs no bank accounts, no cheques, no ATM / debit cards. It's digitized cash based on blockchain technology. More details on the blog posted above. Please try it out.