StableNaira (SNR) is a fiat-collateralized, NGN-pegged stablecoin backed 1:1 by audited Nigerian Naira reserves held in segregated accounts with licensed Nigerian banking partners. Built as a secure, regulator-aligned digital payments infrastructure, SNR enables instant, low-cost payments, remittances, savings, and programmable commerce across Nigeria and Africa. Developed as an upgradeable ERC-20 with built-in compliance controls, native cross-chain interoperability, transparent reserve attestation, and bank-rail-integrated minting and redemption, StableNaira bridges traditional finance and blockchain to deliver a trusted programmable Naira for the digital economy.