# Mular > Spend crypto like Naira, anytime, anywhere Mular is a crypto payment platform that lets Nigerian users convert and spend cryptocurrency directly as Naira. Mular is a crypto payment platform, classified as a payments company, built for users in Nigeria who hold digital assets. It lets people deposit cryptocurrency and move it into everyday spending money, converting balances into Naira for use through bank transfers and mobile wallets. The service targets crypto traders, freelancers, business owners, and individuals receiving international payments who need a practical route from digital assets to local currency. The platform addresses the friction of informal crypto-to-Naira exchange, where users typically negotiate with individual vendors and verify payments through screenshots. Mular replaces that process with an account-based system where crypto sent to a Mular balance can be swapped to Naira and paid out directly to a bank account or mobile wallet, or used to receive international payments in stablecoins and other crypto assets. It operates as a technology platform, with underlying financial services facilitated through licensed partners. Core offerings include crypto accounts for holding multiple digital assets, direct transfers between Mular users, payment links for accepting stablecoin payments, and tools such as a currency converter and bank code lookup. A business-focused version extends these features to companies handling customer and partner payments across borders. Mular is used by individual savers protecting funds from currency depreciation, freelancers and returning residents managing cross-border income, and businesses seeking faster settlement of international payments. - Type: Company - Sector: Payments - Status: Active - Founded: 2024-03-01 - Profile: https://thegrid.id/profiles/mular ## Products - [Mular App](https://thegrid.id/profiles/mular): Mular App is an on/off ramp that converts cryptocurrency into Naira for everyday spending and payments in Nigeria. Users fund the app with crypto or a Naira card, then send, swap, or spend directly from their crypto balances, with conversions settling to a linked Nigerian bank account. It serves crypto traders, freelancers, and diaspora users who want to avoid peer-to-peer trading when moving digital assets into local currency. The app also supports bill payments, global payment links, and USD-denominated saving as a hedge against Naira volatility. (On/Off Ramp, Live, Main Product) - [Pay with Mular](https://thegrid.id/profiles/mular): Pay with Mular is a merchant payment gateway that enables Nigerian businesses to accept stablecoin and crypto payments from customers and partners worldwide. Merchants receive inflows in supported digital assets and access the funds converted to Naira within seconds, without relying on intermediaries. The service targets businesses seeking to receive cross-border payments without restrictions tied to their incorporation location, while reducing fees and settlement delays compared to conventional channels. (Merchant Payment Gateway, Live) ## Links - [Main](https://www.mular.co) - [Blog](https://mular.co/blog) - [Privacy policy](https://www.mular.co/privacy-policy) - [Terms of Service](https://www.mular.co/terms-of-use) - [LinkedIn](https://www.linkedin.com/company/usemular) - [Telegram](https://t.me/UseMular) - [Telegram](https://t.me/PaywithMular) - [YouTube](https://www.youtube.com/@paywithmular) - [TikTok](https://www.tiktok.com/@PaywithMular) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation. Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service. The following applies to both licensing models. - All data is provided AS IS with no guarantees of accuracy. - The Grid does not provide investment, legal, or tax advice, and - a project's presence in The Grid's data does not imply endorsement. - [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers - [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service. - [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service. - [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services. - [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures ## Optional - [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model - [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships - [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type - [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types - [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP