teleo-codex/entities/internet-finance/coins-me.md
Teleo Agents 932af960a1
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rio: extract claims from 2026-03-30-telegram-m3taversal-futairdbot-you-should-be-able-to-access-this-x-ar
- Source: inbox/queue/2026-03-30-telegram-m3taversal-futairdbot-you-should-be-able-to-access-this-x-ar.md
- Domain: internet-finance
- Claims: 0, Entities: 2
- Enrichments: 3
- Extracted by: pipeline ingest (OpenRouter anthropic/claude-sonnet-4.5)

Pentagon-Agent: Rio <PIPELINE>
2026-04-15 18:25:21 +00:00

1.2 KiB

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