PAJ Cash | Unpacking Innovation 006
PAJ Cash is the first user-facing product built on top of the PAJ Protocol, a Solana-native offramping infrastructure that’s reimagining how Nigerians convert their crypto into local currency.
At its core, PAJ is not just an app — it’s a protocol. A backend system that turns any Solana-based interface capable of initiating a token transfer (be it a wallet, dApp, or even a Blink) into a direct offramp to Naira. The Cash layer, the current interface most users interact with, is simply a testable frontend built to demonstrate this capability in action.
Here’s how it works in practice:
Go to paj.cash
Click on “Get Started”
Click on “Create an account” below.
Input your email and password, and you can use my referral code - 1855D6
You send tokens to your designated PAJ Cash address (or “PAJ pool”).
The protocol instantly processes your transaction, confirming your crypto on-chain.
You receive Naira in your bank account — usually within 5 minutes.
This system is fundamentally different from the traditional P2P approach. Most P2P services operate on trust and hope — you hope the other party is honest. PAJ Cash operates on code, protocol logic, and verifiable transaction flow. PAJ Cash is among the top five best platforms for offramping your crypto to cash in Nigeria in 2025.
The Vision: Offramping Should Feel Like a Swap
“PAJ was built as a protocol. The cash layer is just the first interface to test it.” — Tochi, Founder of PAJ
Most crypto users think of fiat offramps as separate platforms — clunky web apps, risky Telegram P2P channels, or centralized exchanges that delay withdrawals. But PAJ isn’t just building another app. They’re building something far more foundational:
A protocol-level offramping layer for the Solana ecosystem. If you understand how Jupiter transformed DeFi swaps by aggregating liquidity across DEXs and letting you swap any token with ease, you’ll instantly understand the vision behind PAJ.
Think of PAJ as "Jupiter for Fiat."
Where Jupiter routes swaps across decentralized exchanges, PAJ routes your token transfers into cash seamlessly, automatically, and without requiring you to interact with a traditional offramp interface.
Here’s the magic:
Any Solana-compatible interface (your wallet, a dApp, a smart contract, or even a Blink link) can trigger an offramp.
No additional UI required. No KYC screens. No separate apps.
You simply send tokens to a designated PAJ pool address, and behind the scenes, the protocol handles the fiat settlement.
So while the PAJ Cash app is the first real-world demonstration of this power, the real play is the protocol underneath. One day soon, you won’t even realize you’re using PAJ — it’ll just work. And that’s when you know you’ve built infrastructure, not just a product.
Meet the Team Behind the Dream
Tochi – Founder & Backend Lead
Built PAJ from scratch. Leads backend and business. All about “making PAJ work technically.”
Phure – Community & Growth
Manages community, marketing, and growth initiatives. If you’ve seen PAJ’s brand anywhere, it’s probably Phure.
Merem – Frontend Dev
“I blow bubbles and fight crime for PAJ.”
Crafts the user interface and experience, ensuring everything users see and use is smooth and intuitive.
Destiny – Product & Brand Designer
Designs everything the team asks (even when Tochi and Merem hit him up at 2 AM). Owns the visual identity.
Together, they form a gritty, relentless team shipping new features, fixing bugs, and redefining what “easy offramping” means.
From Idea to Impact: The SuperteamNG Startup Village Story
When you hear the phrase “move fast and break things,” it often sounds like a Silicon Valley cliché. But in the case of PAJ Cash, it’s the most accurate way to describe how they evolved from a raw protocol idea into one of the most talked-about products at the SuperteamNG Startup Village in just over a month.
Let’s rewind. Just a few weeks before SuperteamNG’s Startup Village demo event, PAJ Cash was barely out of the lab. The interface had just been built, the backend logic was still being tested, and they were averaging just 5 transactions per day.
But they had one thing in their favor: relentless execution.
The Startup Village Begins
SuperteamNG’s Startup Village is known as a battleground for builders — a five-day sprint of pitching, feedback loops, shipping updates, and user interviews. For many founders, it’s their first real taste of public exposure.
“I didn’t even go in thinking we’d win,” said Tochi, PAJ’s founder.
“I just needed real user feedback… and got a 10/10. Everyone wanted it.”
Instead of focusing on hype, Tochi focused on honest interactions. He walked around, pitched the product face-to-face, and absorbed every reaction. The verdict was clear: the problem PAJ solves is real, urgent, and massive.
And the results spoke for themselves:
Transactions jumped from 5/day to over 15/day during the event, a 3x increase in just a few days.
People weren’t just testing it, they were adopting it.
Grit Behind the Scenes
The night before Demo Day, when most teams were polishing slides, PAJ Cash shipped a new version of their app. Why?
Because they weren’t there to win votes. They were there to give users the smoothest possible experience, even if it meant no sleep and last-minute code pushes.
That dedication didn’t go unnoticed. PAJ Cash ended up taking the number one spot at Startup Village, beating out projects with more time, polish, and resources. And most importantly? They proved that their product had real demand.
The Aftermath: Growth Mode
Since Startup Village, PAJ Cash’s traction has only grown. That 15+ daily transaction count has continued to rise, as more users discover a better way to offramp. They’ve onboarded partners, opened up their public API, and integrated with projects like HeySolana and EmergeFunds.
Startup Village wasn’t just a milestone for PAJ Cash, it was a catalyst. A moment that turned a product into a movement. A protocol for a community-powered solution. An idea into real-world impact.
What’s Next for PAJ?
PAJ Cash has already proven itself as a fast, safe, and user-first offramping solution but the team isn’t slowing down. They’re just getting started.
Here’s what’s coming next:
V2 with Smoother UX
The current interface works, but the next version aims to feel invisible. Expect cleaner flows, faster feedback, and a design that makes off-ramping feel like a native part of your wallet or dApp. The kind of upgrade that makes people say, “Wait… that’s it?”Wallet-less Transactions
This is where things get futuristic. V2 might not even require you to connect a wallet. Imagine simply sending tokens from anywhere — a browser extension, a mobile app, or even a smart contract — and getting fiat back, instantly. That’s the level of frictionless interaction PAJ is building toward.Bigger Coverage Across Solana dApps & Tools
Whether it’s NFT marketplaces, DeFi dashboards, or social apps using Solana Blinks, PAJ wants to be plugged in everywhere. Any tool that lets users transfer tokens could also let them cash out — that’s the vision.
Final Thoughts
PAJ Cash isn’t just another tool in the crypto stack.
It’s a bold movement to eliminate risk, friction, and fear from one of the most frustrating parts of the crypto experience: getting your money out.
Ask any crypto user in Nigeria — the off-ramp is where things get messy. Fake vendors. Delays. Scams. Ghosted deals. That’s the pain PAJ is solving.
By making crypto-to-Naira conversion feel just like a token swap, PAJ is changing the game — one seamless transaction at a time.
If you're in Nigeria or building for Nigeria, PAJ Cash should be in your toolkit.
Because in crypto, your off-ramp should be just as smooth and safe as your on-ramp.
PAJ makes that happen. Not someday, right now!
Join the movement:
Telegram
PAJ Cash on X
References
Twitter/X Posts and Threads
PAJ Cash (@paj_cash). “Why You Should Choose PAJ Cash.” X (formerly Twitter), May 8, 2025. https://x.com/paj_cash/status/1929851640644784158.
PAJ Cash (@paj_cash). “PAJ Cash API is Available.” X (formerly Twitter), May 1, 2025. https://x.com/paj_cash/status/1919659231961104775.
PAJ Cash (@paj_cash). “HeySolana Is Using the PAJ Cash API.” X (formerly Twitter), May 3, 2025. https://x.com/paj_cash/status/1922561951105728911.
Funsho Akinbile (@funshoakinbile). “EmergeFunds is Using PAJ Cash API Too.” X (formerly Twitter), April 30, 2025. https://x.com/funshoakinbile/status/1921116667569946857.
Trader MLJ (@TraderMlj). “I Lost 0.1 BTC to a Telegram Scammer…” X (formerly Twitter), May 6, 2025. https://x.com/TraderMlj/status/1927278150318276933.
Twitter/X Space
PAJ Cash Team. “PAJ Cash Team Q&A Session.” X Spaces (audio), hosted by @paj_cash. Accessed June 7, 2025. https://x.com/i/spaces/1OyJALlOjgMGb.