Africa's payment landscape is already mature—that's not where the real gap lies.

For over 15 years, traditional mobile money networks have quietly processed over $300 billion across 60 million users. The local infrastructure works.

But here's where it breaks: cross-border transactions. Sending money between countries means dealing with slow settlement cycles and brutal intermediary fees that eat into every transfer.

This is precisely what blockchain-based solutions aim to solve. When settlement happens on-chain, you eliminate the middlemen and dramatically cut both time and costs. The infrastructure for domestic payments was never the problem—it's the borders that needed solving.

That's where crypto wallets, stablecoins, and decentralized finance step in.