M-NAIRA is a value sharing and money transfer services platform that interconnects all Nigeria bank accounts, Mobile wallets and billing systems to deliver instant remittance services to Nigeria by all Nigerians worldwide.M-NAIRA allows people to make real time money transfers from debit or credit card to Nigeria bank accounts, mobile-money wallets from all over the world to registered mobile-money users and Bank accounts in Nigeria. Our online service deals with the problems of convenience, cost and speed. Our transfers are instant to bank accounts,mobile wallets and we use the latest technology to offer a robust money transfer service. M-NAIRA is the industry leader in direct value remittance including mobile airtime, electricity, education, and healthcare. M-NAIRA also offers real-time international money remittance to any Nigeria bank accounts, mobile wallets that allows users to send and receive money safely to and from even the most remote locations worldwide. A major and recurring issue with money remittance is the sender not knowing how their money is spent. M-NAIRA is a new service developed to overcome this problem where the sender can remit value for a specific purpose we call it Value Remittance. M-NAIRA works directly with service providers to enable remote payment for services such as utilities, petrol, healthcare, school tuition, groceries etc. Nigerians in the Diaspora send up to $24 billion annually to Nigeria. At an average cost per transaction of 11.89%, Nigerians are spending more than $7 billion in fees. We think we can do better. So we built M-NAIRA, the fastest secure way to send money home directly to a banks account and mobile wallet. Pay bills directly for family and friends. We currently deliver money and pay bills to Nigeria instantly from any country or city of the world. We will continue expanding to African markets where mobile money has taken off.