Currently Building — Infrastructure in Development

The Dollar Infrastructure Layer for the Global Economy

Avanor Labs is building the programmable dollar liquidity layer for global commerce. Starting with Africa, scaling across emerging markets, and globally. We enable businesses, platforms, institutions, and sovereigns to access digital dollars, move money instantly, and manage capital balances with confidence.

Built for the importer in Lagos, the trader in Karachi, the entrepreneur in Jakarta, the institution in Abuja — and every business ready for the future of global trade.

Follow Our Progress → What We're Building
500+
Users Validated
5
Trade Corridors
Organic
Revenue Generated

Build Status

In Progress
✅
Proof of Concept
Multi-corridor proof of concept completed
Done
⚙️
Company Formation
Delaware C-Corp registration in progress
In Progress
📋
Regulatory Licensing
BMA Class M · CBN sandbox · FinCEN MSB
In Progress
🔧
Infrastructure Development
Settlement rails, compliance layer, API
In Progress
💵
USDK — Productive Digital Dollar
Reserve-backed digital dollar for emerging markets
Coming Soon
🚀
Platform Launch
Open access for businesses and partners
Coming Soon
Just Announced · June 1, 2026

Nigeria Payments System Vision 2028 launched. The CBN has committed to 95% financial inclusion and blockchain-enabled cross-border payment integration across Africa by 2028 — directly aligning with the infrastructure Avanor Labs is building for Nigeria, Africa, and global emerging markets.

Read the Vision →
A world where anyone, anywhere can access productive digital dollars and participate in the global economy without friction.

Money moves globally, but liquidity does not. Today, businesses trying to pay suppliers, settle trade, or hold treasury balances still face a system built for another era — slow correspondent banking, fragmented FX, trapped capital, idle balances.

Avanor exists to modernize how value moves globally. We are building the infrastructure layer that makes digital dollars truly useful: instantly accessible, globally transferable, and productive while held. Starting with Nigeria, across Africa, scaling through emerging markets — and globally.

This is not just faster payments. This is the operating system for global money.

CBN's target: 95% financial inclusion by 2028. Avanor's infrastructure is built to help get there — and to connect businesses, institutions, and individuals across every emerging market to the same global programmable dollar layer.
The AfCFTA opportunity: The African Continental Free Trade Area — the world's largest free trade zone by member nations — is being held back not by policy, but by settlement infrastructure. African businesses trading with each other still route payments through New York. USDK is being built to be the programmable dollar settlement layer that makes AfCFTA trade instant, transparent, and economically productive.
The Global Problem

Global commerce still runs on
fragmented financial infrastructure

The problem is not a lack of capital. It is capital allocation architecture — inefficient rails, trapped liquidity, and limited access to productive digital dollars.

$530B
African central bank reserves held offshore — while facing a $280B/year infrastructure financing gap
Source: Polity.org.za, 2026
9–15%
Borrowing costs for African sovereigns via Eurobonds, while offshore reserves earn only ~3–4%
Source: Polity.org.za, 2026
$4T
Africa's estimated domestic capital base — yet the continent remains dependent on expensive external correspondent systems
  • Slow cross-border settlementSWIFT rails require 3–7 business days. Businesses wait while capital sits idle.
  • Trapped liquidity & idle capitalPre-funded correspondent accounts lock working capital for days at a time.
  • Expensive FX & remittance costsSMBs pay 3–8% in opaque FX spreads with little transparency or alternative.
  • Limited access to digital dollar railsStablecoins exist but adoption is constrained by trust, awareness, and incentives.
  • Currency instabilityLocal currency volatility erodes margins and makes reliable USD access critical.
  • Idle treasury balancesBusiness treasury sits dormant — losing real purchasing power to inflation daily.

Africa's problem is not a lack of capital. It is capital allocation architecture — redesigning liquidity rails, improving capital velocity, and enabling local circulation of productive USD liquidity.

What We're Building

Six layers of infrastructure
for institutional-grade liquidity

Avanor is being built as a complete stack — from trade settlement at the base to programmable capital coordination at scale. Each of the six layers reinforces the next.

Layer 01 — Foundation

Trade & Settlement Infrastructure

The core workflow layer. Invoice-linked trade settlement, importer/exporter accounts, local currency conversion, and real-time payment initiation across corridors.

In Development
Layer 02 — Trust

Compliance Infrastructure

KYB, AML, sanctions screening, trade monitoring, invoice validation. Trade-linked flows are defensible regulatorily — we are building compliance into the foundation, not as an afterthought.

In Development
Layer 03 — Movement

Settlement Rails

USDK issuance layer, chain orchestration, wallet infrastructure, and liquidity routing — enabling near-instant global transfer. Integrating NIBSS/NIP for Nigerian naira settlement and PAPSS for pan-African reach.

In Development
Layer 04 — Productivity

Treasury Infrastructure

Productive balance management, reserve optimization, and programmatic treasury coordination for institutions. USDK is designed to generate returns for holders from liquidity activities and underlying reserve assets.

Planned — Phase 2
Layer 05 — Education

Research & Education Hub

A founder-led platform simplifying blockchain, stablecoins, USDK, and financial infrastructure for real-world practitioners. Practical language — not crypto jargon. Publishing the Practitioner's Brief series for African decision-makers.

In Development
Layer 06 — Future

Capital Markets Infrastructure

Tokenized trade finance, infrastructure financing, institutional liquidity pools, and regional settlement. This is the longer-term vision — built on top of the layers below it.

Planned — Phase 3
USDK — In Development

From digital dollars to
productive digital dollars

The future of money is not just digital — it is productive. USDK is being designed as the primary programmable dollar for cross-border trade settlement worldwide: the digital dollar that businesses, institutions, and sovereign nations accept for global commerce.

Unlike speculative crypto assets, USDK will be backed by cash and short-term U.S. Treasuries, aligned with emerging US federal stablecoin regulatory frameworks, and built to serve real commercial and institutional use cases — starting with Africa and scaling across global emerging markets.

In Development USDK has not yet launched. We are currently completing corporate registration, licensing, and infrastructure before issuance.
Reserve-Backed
Cash and short-duration U.S. Treasuries in regulated institutional custody
Productive Returns
Designed to generate returns for holders from liquidity activities and underlying reserve assets
Globally Portable
Instant movement across settlement rails, 24/7, across borders
Compliance-First
Aligned with emerging US and international stablecoin regulatory frameworks
USDK
Coming Soon
Backing
US Treasuries
+ Cash reserves
Design target
Productive Returns
From reserve assets
Attestation
Quarterly
Third-party verified
Who We Serve

Built for every participant
in global commerce — everywhere

From importers in Lagos to enterprises in London, developers in Singapore to policymakers in Brasília — Avanor is being designed for every stakeholder in global commerce who needs better dollar liquidity infrastructure.

Challenges Today

✕3–5 day SWIFT settlement tying up capital
✕Costly nostro balances locked in correspondent accounts
✕7–12% effective cost on cross-border transactions
✕No regulated programmable dollar infrastructure
✕Treasury balances earning near-zero yield

What Avanor Enables

✓Sub-10-minute dollar settlement vs. 3–5 days
✓Under 1% transaction cost vs. 7–12%
✓Zero nostro balance requirement via USDK API
✓Scalable, compliant stablecoin infrastructure
✓Returns on reserve balances from underlying assets

Challenges Today

✕Parallel market premium of 5–10% to access dollars
✕FX rate movement during 3–5 day settlement window
✕Currency instability eroding margins
✕Double transfers to cover shortfalls
✕Idle balances losing real value daily

What Avanor Enables

✓Regulated dollar access at transparent rates
✓Settle supplier invoices in under 10 minutes
✓No FX movement during settlement window
✓Stable dollar treasury with productive returns
✓Full payment received — no intermediate deductions

Challenges Today

✕Billions unbanked or underbanked across emerging markets
✕Informal, untracked dollarization
✕Inefficient, opaque cross-border systems
✕Capital flight and shallow domestic markets

What Avanor Enables

✓Aligned with national inclusion mandates — PSV 2028, AfCFTA, and beyond
✓Transparent, traceable, fully attested digital rails
✓PAPSS-aligned cross-border settlement layer
✓Responsible innovation — regulated, sandbox-tested

Challenges Today

✕Fragmented stablecoin infrastructure
✕Complex custody integrations
✕Limited compliant liquidity systems
✕Difficulty scaling cross-border products

What Avanor Enables

✓Clean APIs for settlement and liquidity rails
✓Simplified stablecoin integration
✓Compliant digital dollar system access
✓Institutional-grade foundation to build on

Challenges Today

✕High remittance costs eating into transfers
✕No access to productive dollar savings
✕Currency depreciation destroying savings
✕Excluded from global financial systems

What Avanor Enables

✓Access to stable, regulated digital US dollars
✓Lower-cost international transfers
✓Returns on holdings from underlying reserve assets
✓Participate in global commerce
The Founder

Built by someone who proved the demand

Bobola Odebiyi — Founder & CEO, Avanor Labs

Bobola Odebiyi

Founder & CEO · Avanor Labs

Bobola Odebiyi is a Nigerian-American entrepreneur, CPA, and fintech operator who experienced firsthand how difficult it is for Nigerian businesses to access US dollars and pay global suppliers — and built his career around solving it. He brings a rare combination of institutional financial credibility, blockchain infrastructure expertise, and African market knowledge to Avanor Labs.

Before founding Avanor Labs, Bobola built CrossKudi — a cross-border payment platform operating across multiple international trade corridors with a FinCEN MSB registration and an institutional AML compliance program built with Bates Group. CrossKudi proved the demand and has now wound down to focus fully on Avanor Labs. Avanor Labs is building the infrastructure to serve it at scale.

Certified Public Accountant (CPA) PwC — Hedge Fund & PE Tax PwC Global Blockchain Community (2019–2021) FinCEN MSB Registered Blockchain infrastructure since 2021
Multi-M
Settlement volume proven
500+
Users validated
5
Trade corridors proven
7+
Years in fintech
🌍 Africa ↔ 🌐 Global Markets
🌏 Southeast Asia ↔ 🌐 Global Markets
🌎 Latin America ↔ 🌐 Global Markets
🌍 Middle East & South Asia ↔ 🌐 Global Markets
Infrastructure Partners

Institutional-grade partners
engaged and in progress

Avanor is being built with the custody, legal, regulatory, and security infrastructure that institutional counterparties require. The following organizations are engaged as we complete company formation and licensing.

🏦
Anchorage Digital
Digital asset custody — the first federally chartered digital asset bank in the United States. Providing institutional-grade custody for USDK reserve assets.
Engaged
📋
Apex Group
USDK issuance legal and operational wrapper — global fund services and digital asset infrastructure provider with presence across 50+ jurisdictions.
Engaged
🏛️
BMA — Class M Pathway
Bermuda Monetary Authority Class M digital asset license — the leading regulated pathway for compliant stablecoin issuers. Application filing in progress.
In Progress
🔐
Fireblocks
Enterprise-grade digital asset security infrastructure — wallet technology, key management, and policy engine used by 1,800+ financial institutions globally.
Engaged
Building with regulators — not around them. Avanor Labs is engaged with the CBN sandbox framework (Nigeria), the Bermuda Monetary Authority Class M regulatory pathway, and FinCEN in the United States. Every architectural decision starts with what regulators and institutional counterparties require.

Partner relationships are engaged and in progress. Formal agreements will be executed upon completion of company registration and seed financing.

Our Approach

Solving adoption
beyond technology

Technology alone does not drive adoption. Awareness, trust, access, and incentives must be built together — and in the right order.

01

Awareness

Founder-led education simplifying digital finance for real-world adoption. Practical language, real-world examples — not crypto jargon.

02

Trust

Institutional-grade infrastructure, compliance-first design, transparency, and secure custody. Every architectural decision starts with what institutions require.

03

Access

Expanding digital dollar access globally — starting with Nigeria and Africa's highest-friction corridors, then scaling to every emerging market where programmable dollars create the greatest impact.

04

Incentive

USDK is designed to generate returns for holders from underlying reserve assets — making digital dollars productive and economically aligned with adoption.

Practitioner's Brief · Volume 1

Read our guide for African decision-makers

What policymakers, bank executives, and business leaders need to know about blockchain technology in global finance. Written for senior decision-makers worldwide — not developers. Volume 1 of an ongoing series for emerging market practitioners globally.

Read the Practitioner's Brief →
Stay Informed

Follow the build.
Be first in the door.

We're building in public — for Nigeria, for Africa, for emerging markets, and for global commerce. Tell us who you are and we'll keep you updated on our progress, launch timing, and partnership opportunities.

🏛️
Financial Institution
Banks, payment processors, custody providers
🏢
Enterprise / Business
Importers, exporters, global SMBs
💻
Developer / Fintech
Building on digital dollar infrastructure
📊
Investor
VCs, family offices, institutional allocators
⚖️
Policymaker / Regulator
Government bodies, central banks
👤
Individual User
Access productive digital dollars personally
🌐
Global Business
International trade, cross-border settlement

Select your role above, then enter your email to follow our progress.

Investor Inquiry

Avanor Labs is currently engaging strategic investors — angels, family offices, and institutional partners — who share our conviction that programmable dollar infrastructure is the defining financial opportunity of this decade. Reach out directly to explore participation.

Contact Investor Relations →