Hey Product Hunt! Quick context: 1.4 billion people worldwide don't have reliable internet at the exact moment they need to pay or get paid, including 38 million people right here in Nigeria, where I'm based. Every payment app assumes you're connected right now. That assumption breaks constantly outside major cities, during outages, at events, anywhere infrastructure is thin. I'm Tom, Shareholder and CEO of BETONIQ WEST LTD. We built ZeroPay Money: a terminal that signs transactions fully offline using ECC P-256 cryptography plus a silicon-level PUF for tamper-proof hardware identity, with distance-bounding checks against relay attacks. It holds signed transactions for up to 72 hours, then syncs the moment any connectivity appears. We formally verified the protocol logic with TLA+, not just tested happy paths. We already have a working Paystack merchant integration live, and we're self-funding our first pilot batch of terminals through a small crowdfunding round, link's in the post. Would love feedback from this community, especially anyone who's worked on offline-first systems, embedded crypto, or payments infra. What would you want to see next?

ZerôPâŷ Money

Payments that dont wait for Network

Payments that dont wait for Network