@tojukaka your passion for steemit is inspiring.
Bypassing the middle-man (bitcoin) will be a great relief to steem users.
MY SUGGESTIONS
I quite agree with your sbd to naira conversion style which ofcourse will be a lot easier and would increase people's interest in joining steem. My method of conversion of naira is SBD to bitcoin to luno and finally local bank via luno did it for the first time.
I look forward to seeing a mobile app that would link steemit to local bank for easy transfer