# Coins.me

**Type:** Crypto neo-bank  
**Status:** Live  
**Parent Protocol:** P2P Protocol  
**Target Market:** Unbanked and underbanked users in high-inflation economies  

## Overview

Coins.me is a USD-denominated stablecoin neo-bank built on P2P Protocol infrastructure. The application targets the 1.4 billion unbanked adults and 2-3 billion underbanked users globally, particularly in high-inflation economies where local currency savings accounts lose purchasing power.

## Features

- Fiat on/off-ramp (local currency ↔ USDC)
- Global send and receive
- Cross-chain bridging
- Token swaps
- Yield through Morpho vaults (5-10% APY)
- Scan-to-pay at physical points of sale

## Value Proposition

In economies with high inflation (Argentina 200%+, Turkey 50-65%, Nigeria 25-30%), USD-denominated stablecoin accounts earning 5-10% yield provide fundamentally different value proposition than local currency savings accounts. Argentines hold estimated $200-250B in physical USD outside banking system due to lack of credible alternatives.

## Timeline

- **2026-03** — Product live with core features: on/off-ramp, global transfers, bridging, swaps, Morpho yield, physical point-of-sale payments