Adekunle Omorotimi

Global money app · Fintech and Web3

HODL

A global money app: hold crypto, spend it, swap it, send it. I co-founded HODL and, until mid-2025, led its engineering: the web app, a multi-chain Farcaster mini-app, gasless smart-account onboarding and the real-time dashboards.

role
Co-founder & COO; Full-Stack Engineer & Frontend Lead until Jun 2025
organisation
HODL Technologies
period
Jul 2024 – present
  • Live

    web app and multi-chain Farcaster mini-app in production with real user volume

    source: CV, HODL

The problem

In Nigeria and across Africa, moving between naira, dollars and stablecoins means juggling exchanges, wallets, banks and gas tokens. HODL's bet is one app where crypto behaves like everyday money: a USD account to receive dollars, fiat payouts to bank accounts, and credit against crypto, with every movement visible from the blockchain to the bank.

What I built

I built the HODL web app (app.joinhodl.com) and a Farcaster mini-app that runs on several chains, Solana among them (Privy authentication, SPL-token flows and in-app PDF receipts). It is live in production, processing real user volume.

I shipped account-abstraction and paymaster onboarding so a new user can start with a smart account and no gas, and built the shared component library the team standardised on.

I contributed to the crypto-to-fiat settlement path, which lets users settle obligations and initiate payouts from on-chain assets into bank accounts, and prototyped AI borrower–lender matching.

As co-founder and COO I also work on the product, operations and company side, beyond the code.

Gasless onboardingThe shape of the flow for a first-time user.
person / result

Sign in. A new user arrives without a funded wallet.

Diagrams are simplified from the work described above. Node colours: model, code, external service, person or result.

Screens

  • HODL mobile design: home with wallet balance and assets by network, transaction history, swap, send, and network, token and fiat selectors.
    Mobile flows (design)The mobile design flows: home with wallet balance and assets by network, history, swap, send, and the network, token and fiat selectors (Nigerian naira, Ghanaian cedi, Kenyan shilling and South African rand).
  • The HODL landing page: 'Your Global Money App' with a phone showing a Bitcoin-to-naira swap.
    HODL landingjoinhodl.com: 'Your Global Money App', with the swap flow from Bitcoin to naira.
  • The HODL web app onboarding screen, 'Cash When Needed', with create account and log in buttons.
    HODL web appapp.joinhodl.com on a phone: onboarding ('Cash When Needed').

Engineering decisions

  1. 01

    Gasless first

    Account abstraction with a paymaster removes the first obstacle for new users: needing a native token before doing anything.

  2. 02

    Meet people on the rails they already use

    The product moves between naira, dollars and stablecoins, and pays out through bank rails (ACH, SWIFT, wire), so crypto is the plumbing and not the pitch.

  3. 03

    More than one chain

    The mini-app and web app support several chains rather than betting on one, so users hold and move value where it already lives.

Stack

Frontend
  • React
  • Next.js
  • TypeScript
Web3
  • Account abstraction
  • Paymaster
  • ethers
  • viem
  • Web3Modal
  • Solana
  • SPL tokens
  • Privy
Distribution
  • Farcaster mini-app
  • Web app

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