DR7 | BankwithLoaf

5x founder Building @UseTipMe @BankwithLoaf | recently exited @SwapwithBread @peniwallet @peniremit

[DR7 | BankwithLoaf @BossDR7]

9 months ago, me and my co-founder @freeguy__ started Bread Africa with a simple idea:

Make crypto → fiat as easy as sending a text.

No KYC.
No sign-ups.
No friction.

Just swap and go.

People said it wouldn’t work.
Too early. Too risky. Too unconventional.

We built it anyway.

People used it.
They shared it.
They trusted it.

That was all the validation we needed.

Today, that journey hits a major milestone:

Bread Africa has been fully acquired by @sirmapy of @smcdao and is now evolving into @SwapwithBread.

This wasn’t just an exit.
It was a strategic move.

One that gives us the freedom to go all in on something much bigger.

Because while building Bread, we realized something:

Moving money isn’t just broken.
the entire financial experience is.

So we started again.

Quietly.
Relentlessly.
Obsessed.

Today, I’m excited to share:

@BankwithLoaf is LIVE - and we’ve already onboarded our first 1,000 users.

No noise. Just execution.

Same philosophy. Bigger vision.

We’re building for:
• Borderless payments
• Stablecoin-native banking
• Seamless global transactions

Not just for crypto natives - but for everyone.

Because the future of money won’t feel like “crypto.”

It will just work.

Massive thanks to @Sir_Damilare, @jessepollak of @base, @Uyoyo_O of @cngn_co @Harri_obi of @SuperteamNG and everyone who believed in Bread Africa from day one.

You didn’t just support a product - you helped start something real.

And we’re just getting started.

If you’re building, investing, or thinking about the future of money in Africa.

Let’s talk, This is still Day Zero from our end.

[Sir Mapy @sirmapy]

Happy to share that SMC has successfully completed the full acquisition of Bread Africa.

Bread is an off-ramp solution that enables seamless swapping of crypto to fiat.

As part of this new chapter, it will be rebranded to Swap with Bread (@SwapwithBread).

We’ll be placing the platform in maintenance mode as we rebuild and expand its capabilities.

Upcoming features will include:
Fiat to Crypto swaps
Crypto to Crypto swaps
Airtime to Crypto swaps

We’ll also be integrating @stablenaira, alongside continued support for other stablecoins.

Bread will remain that seamless web-based app with no sign-ups, wallet connections, or KYC required

[DR7 | BankwithLoaf @BossDR7]

@Icedollarr @usetipme Soon

[DR7 | BankwithLoaf @BossDR7]

TipMe - Developer Notes #05 🛠️

@usetipme is officially live, and honestly, the response so far has been unbelievable.

People are signing up, reserving their usernames, creating their personalised TipMe links and sharing them with their communities. Seeing people proudly share their links and talk about how seamless the platform feels is one of the most exciting things about building TipMe.

But as more people started using the product, we noticed something important.

There was a gap between what we wanted TipMe to be and what some people were experiencing.

Our payment partner's KYC requirements were proving overwhelming for people who simply wanted to receive a tip. And we immediately knew we had to look into it.

We jumped on a call with our payment partner, and they were more than happy to listen. We're now working together to find a better, less stressful way to achieve the same result without compromising the security and reliability of the platform.

Because at TipMe, we believe receiving appreciation shouldn't feel like a task.

And this is exactly why we keep saying that we're building with our users, not just for them.

Over the next couple of days, we'll continue fixing things, listening to feedback, and making improvements based on the real experiences of people using TipMe. We may not be able to please everyone, but we're committed to listening, learning and giving it our best shot.

Now, here's the exciting part.

We're still in Day Zero at TipMe.

The platform is live, people are already claiming their usernames, and we're only getting started. Every new user, every shared link and every piece of feedback is helping shape what TipMe will become.

If you've been watching from the sidelines, this is your moment to get in early.

Create your account, claim your username and get your personalised TipMe link before someone else does.

Who knows? The username you've been thinking about might already be taken tomorrow.

Join us at https://t.co/JnUzQK01u0

Day Zero. We're building something special, and there's room for you. 💜

[TheFOW is preparing for Summit2027 @jointhefow]

What are the skills that will survive the next decade and how do you position for relevance?

Join our Launchpad Series with @BossDR7. Come learn how to stay ahead.

📅 Thurs, 5 Nov. 2026
⏰ 7PM WAT

Reserve your seat for free: https://t.co/AZ8kNUhqVj

[DR7 | BankwithLoaf @BossDR7]

While we're still working behind the scenes on TipMe Business, we're excited to announce that TipMe Pro and our updated landing page will be going live by 12 AM tonight! 🚀

We're building @usetipme to make appreciation easier for everyone, and this next update is another step towards that vision.

TipMe Pro is designed for people who want more control over their tipping experience, with features that make receiving and managing tips even more personal.

And while we're putting the finishing touches on TipMe Business, we're also making sure the entire TipMe experience continues to get better.

But here's the thing: you don't have to wait until everything is perfect to get started.

You can create your account, claim your preferred username and get your personalised TipMe link right now.

Whether you're a creator, developer, artist, business owner or simply someone who wants to make it easier for people to appreciate you, there's a place for you here.

Day Zero is still here, and the best time to join us is now.

Head over to https://t.co/JnUzQK01u0, reserve your username and be part of what we're building.

More updates coming tonight. 💜

[DR7 | BankwithLoaf @BossDR7]

I decided to test something on TipMe today, so I withdrew from my TipMe wallet.

Guess what, guys? The money landed in my bank account in less than 60 seconds! 🤯

No long wait. No unnecessary stress. Just a seamless experience from start to finish.

This is the kind of product we're building at TipMe. One where receiving appreciation is easy, and accessing your money is even easier.

We're just getting started! 🚀

Try it out: https://t.co/JnUzQK01u0

[DR7 | BankwithLoaf @BossDR7]

@washington__09 @usetipme No it doesn't, but you will need a soft KYC before your withdaw.

[DR7 | BankwithLoaf @BossDR7]

Hello guys! 👋

TipMe is officially LIVE! 🚀

I've been building something that makes it easier for people to appreciate others, and today, I'm excited to finally share it with you.

Here's my personal TipMe link: https://t.co/lcIdHJW3fd

Please help me test it by sending me a tip. Every tip, feedback and suggestion will help us make TipMe better.

But here's what makes TipMe interesting.

Anyone can create a personalised TipMe link and QR code to start receiving tips immediately. You don't need to be a celebrity, influencer or public figure. TipMe is for everyone.

Creators, developers, editors, DJs, hype men, musicians, artists, business owners, service providers and basically anyone who does something people appreciate.

Imagine celebrating your birthday and having friends, family and even strangers send you tips.

Imagine being a DJ or hype man at an event, doing what you do best, and people tipping you as you perform.

Imagine creating music, art or content that people love, and giving them a simple way to show their appreciation.

Imagine running a business where customers can appreciate your staff for delivering great service.

That's what we're building with TipMe.

One link. Multiple ways to receive appreciation.

With TipMe, you can receive tips in different currencies, including NGN, USD, EUR, GBP, stablecoins and other supported African currencies, all through a single personalised link.

No matter where you are or what you do, if people appreciate you, they should have a simple way to show it.

And we're just getting started.

Create your own TipMe link, share it with your community, and start receiving tips.

Let's make appreciation something everyone can experience.

Try TipMe today: https://t.co/JnUzQK01u0

Follow @usetipme for more updates. 💜

[DR7 | BankwithLoaf @BossDR7]

@usetipme @wealthykween thank you for reposting 🤲, I will be in your DM 🤲🤲🤲

[DR7 | BankwithLoaf @BossDR7]

@Nonso_Obiefule Congratulations Nonso, I'm sure you will do more at @ournuvion - See you at the top.

[DR7 | BankwithLoaf @BossDR7]

TipMe - Developer Notes #04 🛠️

One of the things we've been intentional about while building @usetipme is simplicity. We don't want to build another platform that gives people more things to remember, more processes to figure out or more friction before they can access what belongs to them.

That's why we've been rethinking the conventional email-and-password approach to signing in.

We're implementing OTP-based sign-in, allowing users to access their TipMe accounts using a one-time password sent directly to their WhatsApp, email or phone number.

Think about it: you shouldn't have to remember yet another password just to access your tips. You shouldn't have to worry about forgetting your password, going through complicated recovery processes or being locked out of your account when you need it most.

We want accessing your tips to be as simple as receiving them.

We're also paying a lot of attention to the dashboard experience. From the moment you sign in, everything should feel straightforward. Whether you're checking your tips, monitoring transactions or managing your account, you shouldn't need a manual to figure things out.

Our approach is guided by one of the fundamental principles of great product design and development: First Principles Thinking.

Strip away the unnecessary. Question every extra step. Understand what users actually need, then build the simplest possible solution that gets the job done.

We believe great technology shouldn't make life more complicated. It should quietly make things easier.

And here's the exciting part: TipMe will be fully live today! 🚀

It's been a journey of building, testing, fixing, listening and making decisions, sometimes having to go back to the drawing board to get things right.

We're excited about what we're putting out there, but even more excited about what TipMe will become as more people and businesses come on board.

We're just getting started.

[DR7 | BankwithLoaf @BossDR7]

TipMe - Developer Notes #03 🛠️

We’ve been live since October 27, but we’re not quite where we want to be yet.

As some of you may have noticed, a couple of things on the website are still not functioning as smoothly as they should. We’re currently waiting on AWS for its final feedback and approval before we can fully stabilise everything and move forward with the complete rollout.

While we wait, we haven't been sitting around.

The team is actively working through other areas of the platform, fixing issues, improving existing features, testing different user journeys and making sure that when people interact with @usetipme , they get an experience that feels seamless.

Beyond the technical work, we're also having conversations with more users, business owners and fellow builders. We want to understand how people intend to use TipMe, what they expect from it, what could be better and what we're probably not seeing from our side of the screen.

One thing we've come to understand is that building a product goes beyond writing code and pushing updates. Sometimes, you have to slow down, listen, question certain decisions and make improvements before moving to the next stage.

Our goal isn't just to launch TipMe. It's to build something people can genuinely rely on, whether they're individuals receiving appreciation or businesses using TipMe to understand their customers and improve their operations.

So yes, we're live, we're building, we're fixing, we're listening, and we're making progress.

We know everyone is eager to get started, and we appreciate the patience, feedback and support so far.

We'd rather take the time to get the foundation right than rush something we want people to use for years.

Back to building. 🤞

[DR7 | BankwithLoaf @BossDR7]

TipMe - Developer Notes #01 🛠️

We didn't go live yesterday as planned.

During our final checks, we identified a few things that needed to be cleaned up, refined, and tested properly before opening TipMe to the public.

Rather than ship something we're not completely happy with, we've decided to take a little more time to get these final details right.

We're currently working through the improvements, testing the experience, and making sure everything is ready for our first users.

New target: 24 hours. ⏳

Here's a little look at what we've been building. 👀

We're almost there. Thank you to everyone waiting, asking questions, and showing support.

We'd rather take an extra day to get it right than rush something you deserve to experience properly.

TipMe. Appreciation Pays. 💜

[DR7 | BankwithLoaf @BossDR7]

Hello @DONJAZZY, firstly thank you for always showing up for people, may God continuously bless you, that said - I'm not in any sort of problem that I currently can't handle, but I need your support, not financially, my birthday is tomorrow and I built a product called @usetipme that will enable people show random acts of kindness to people around them by tipping them, I have just one birthday wish - can you be a part of the first 100 persons that would test my product when it goes live by midnight, this will be an highlight for this new year.

[DR7 | BankwithLoaf @BossDR7]

10 hours to my birthday. 🎂❤️

A few days ago, I mentioned here that I had been exploring a new product idea. Well, I'm excited to share that we're finally ready to take the first step.

In less than 10 hours, @usetipme goes live for the public.

We've completed the B2C side of the product, and it's ready for people to start using. The B2B side, which is designed to help businesses and their customers appreciate their teams, understand customer service better, and recognise the people who go the extra mile, is still being tested.

If there's one thing building companies has taught me, it's that every new year of life comes with its own lessons, challenges, growth, and opportunities. I'm grateful for everything my current age has taught me, the wins, the losses, the mistakes, the people, and the experiences that have shaped me into who I am today.

As I step into a new age, I'm choosing to keep building, keep learning, keep taking risks, and keep bringing ideas to life.

TipMe is one of those ideas I'm incredibly excited about. We're building around something simple but powerful: making it easier for people to appreciate the people who make a difference in their lives.

And now, we're almost ready to let you experience it.

Tomorrow, on my birthday, TipMe will be available for public use. And honestly, I can't think of a better way to celebrate another year of life than by putting something we've worked on into the hands of real people.

So here's my little birthday request. 🥹

If this post finds its way to your timeline, please like, repost, quote-tweet, and help me spread the word. If you have a community, a business, or friends who might find TipMe useful, please tell them about it. And when we go live, don't just watch from the sidelines - come try the product yourself.

Your repost could help us reach our first user. Your feedback could help us build something better. And your decision to try TipMe could mean more to me than you realise.

No expensive gift, no elaborate celebration. Just help me put this product out into the world and give it a chance to grow.

That would be one of the best birthday gifts you could give me. ❤️

See you in 10 hours.

We're just getting started.

- DR7

[DR7 | BankwithLoaf @BossDR7]

Some days you survive, not shine - and that still counts.

[DR7 | BankwithLoaf @BossDR7]

@timmyisagod @ournuvion Congratulations Man, see you at the very top 🎉

[DR7 | BankwithLoaf @BossDR7]

I'm experimenting on a new product, and it is 80% ready as we speak, I need testers, I need 100 new people to test my product between Thursday and Saturday, if you would love to be a part of these 100 persons kindly say "Yes" in my DM.

[DR7 | BankwithLoaf @BossDR7]

@0xOmotuyi You needed to see the reactions and answers I got on my WhatsApp 😂

[DR7 | BankwithLoaf @BossDR7]

Some days you survive, not shine - and that still counts.

[DR7 | BankwithLoaf @BossDR7]

@waverchocs @BillionaireQuin @freeguy__ @BossDR7