Bowofade Oyerinde

Happy new year. It's another beautiful year. What's your goals this year. If you are still skeptical or unsure of what it will be like. I have step-by-step guidelines for you to follow. #GOSETTING.

You want to design for fintech in Nigeria. Here's your actual starting point: → Read the CBN Consumer Protection Framework → Study real apps critically... Kuda, OPay, Moniepoint, Palmpay → Learn KYC, AML, tiered accounts, BVN/NIN, liveness detection → Read Paystack and Flutterwave's developer documentation → Follow every major fintech incident and trace what broke → Study the CBN 2026 Baseline Standards for Automated AML Nobody teaches this in design school. Nobody teaches this in bootcamps. The people who figure it out are the ones who go looking. Save this. Share it with every designer trying to break into fintech.

Jesus Christ is the best example of masculinity in a man. Self-control, forgiveness, patience, sacrifice, love, leadership, ambition, responsibility.

Scammers in Nigeria are not just posting fake LinkedIn jobs anymore. They're offering paid work freelance, consulting, part-time in exchange for your LinkedIn login credentials. "Just give us access to post on your behalf for two weeks." Then they use your profile to run the same scam on your network. LinkedIn removed 80.6 million fake accounts in the second half of 2024 alone. Your account has real value to them. Your reputation is the product. Never share login credentials for any platform under any arrangement.

If you ever want to read the Bible, start with Mark, it’s simple and clear. Then read Luke, Matthew, and John. Pray first and ask the Holy Spirit to guide you. Type Amen & share this.

Thank you, @huge_icons. 💚

I sent $1,000 from New York to Lagos through 8 payment rails. The best delivered ₦1,400,000. The worst delivered ₦1,323,000. That ₦77,000 gap = one month of groceries for a family in Lagos. Yesterday's rail comparison got sharp feedback. The strongest critique: "Try this on a low-liquidity corridor. I bet stablecoins don't look the same." Fair. So I redid the experiment on the hardest corridor I could find: Nigeria. 𝗪𝗵𝘆 𝗡𝗶𝗴𝗲𝗿𝗶𝗮 𝗯𝗿𝗲𝗮𝗸𝘀 𝘁𝗵𝗲 𝘂𝘀𝘂𝗮𝗹 𝗻𝗮𝗿𝗿𝗮𝘁𝗶𝘃𝗲: The Naira isn't one currency. It's two. → The official CBN rate: ₦1,345 per USD. Banks, SWIFT, Wise, Western Union must use it. → The parallel market rate: ₦1,400 per USD. It's where real dollar supply meets real demand. That 4% gap isn't a fee. It's the government pricing the naira higher than anyone is willing to pay for it. 𝗪𝗵𝗮𝘁 $𝟭,𝟬𝟬𝟬 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗱𝗲𝗹𝗶𝘃𝗲𝗿𝗲𝗱 𝗶𝗻 𝗟𝗮𝗴𝗼𝘀: 🥇 USDT P2P: ₦1,400,000 (30 sec, $0.01) 🥈 Yellow Card: ₦1,393,000 (2 min) 🥉 Bitcoin: ₦1,393,000 (~10 min) 4️⃣ Sendwave (International Remittance): ₦1,372,000 (15 min) 5️⃣ Wise: ₦1,344,000 (CBN rate) 6️⃣ Swift: ₦1,344,000 (3-7 days, $50 fee) 7️⃣ Western Union: ₦1,330,000 8️⃣ PayPal Xoom: ₦1,323,000 (5.5% hidden spread) 𝗛𝗲𝗿𝗲'𝘀 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲 𝗰𝗼𝗺𝗺𝗲𝗻𝘁𝗲𝗿𝘀 𝘄𝗲𝗿𝗲 𝗿𝗶𝗴𝗵𝘁 𝗮𝗯𝗼𝘂𝘁: That USDT P2P rate only exists because someone, somewhere, holds naira and wants dollars. The P2P desk IS the off-ramp. It's real infrastructure, with real liquidity risk. But here's what they couldn't see on the Paris–NY corridor: In a dual-rate economy, stablecoins aren't just faster. They give you access to a different price. The real price. Nigeria has the world's 2nd-largest P2P crypto volume. Not speculation. Access to the actual dollar rate, without flying to Lagos with a suitcase. The next decade's fintech question isn't "will stablecoins replace SWIFT?" It's "what happens when 2 billion people in dual-rate economies realize they can bypass the official channel?" ₦77,000 on $1,000 tells me the question is worth asking. PS: I'm the founder of @subyhq and I weekly posts on payments, stablecoins, and building across borders. Follow for more.

Rust code 1hr plus still failed

APIs every Nigerian fintech developer should know exists: - NIBSS instant payment API (real-time interbank transfers) - Paystack Transfer API (bulk disbursements) - Flutterwave BVN verification - Mono for bank account data and statements - Okra for transaction history and identity - Smile Identity for KYC and document verification - Remita for government payment collections - VFD for virtual account issuance Most devs building fintech products in Nigeria are reinventing wheels that already exist. Save this.

Psalm 119:37

God is not a vending machine where we can just select the things we want and walk away at will. God is a relationship. Once you meet Him fully, you won't want to leave Him behind! Share this post to your timeline.

Before bed, thank God, surrender control, and ask for peace. Psalm 4:8 reminds us that He makes us dwell in safety. Rest in Him tonight. Save, type Amen & share this.

Akú Ìsimi o

Goshen farmers club in action. Building a community that will feed our communities. Prepare on marketplace.drstellamd.com/bhclife

Ka ma fola pitan Ka ma fiku lokiki Ka ma faisan logba Ka ma sukun ale

Kubernetes was built to solve Google-scale problems. You have 47 users.

Today is exactly 10 YEARS since my first YouTube video. It's so cringe to watch now. No microphone, no script, no editing. But let it be a motivation to those who want to start something. Just. Start. You will be bad at it, first. That's ok. It's part of the growth process.

Good morning, Do you feel inspired today?

The mission is not something that happens far away; it begins in every heart that says, "Here I am, Lord, send me." We are called to be windows of hope for the light of Heaven to reach the world. Watch the new episode "From the Heart" with @prertonkohler: youtu.be/zWq6KjGG1Rs