Abisoye Falabi

Just doing things.

@jeyecrypto @camilosaka Exactly. Domestic instant rails already did the hard part. Stablecoins start to matter when money has to cross jurisdictions, settle outside banking hours, and stay programmable end to end. That’s why teams like Coinley keep watching cross-border corridors, not closed loops.

@camilosaka Right. Local stablecoins in a closed domestic loop are a worse Pix. For now, the use case only makes sense at the border, cross-border payments, remittances, international trade.

I’ve been trying to find a real use case for local stablecoins and honestly, I don’t see it. Payments are already being solved locally: PIX in Brazil Bre-B in Colombia Instant. Free. Everywhere. So what are local stablecoins improving? Because right now it looks like: COP → stablecoin → COP Worst result (FX fees). More friction. Yes: - Lower merchant fees - Avoiding taxes like 4x1000 in Colombia But that seems not to be a strong enough incentive to change behavior. Feels like local stablecoins are a solution looking for a problem. No users → no merchants No merchants → no users Dead loop.

@Chloe_XRPL This only gets real when the last-mile merchant experience works. If Ghana MSMEs can move from pilot to daily settlement with less FX pain, more Africa corridors will follow. That’s the bit builders around Elites.africa will watch closely.

Gm #XRPCommunity🫶🏻 A Nasdaq-listed company just partnered with Ripple to bring stablecoin payments to Africa🌍 Trident Digital Tech Holdings ($TDTH) has signed a strategic agreement to build a payment system powered by RLUSD. 📍First stop: Ghana • Targeting 2.1M MSMEs • RLUSD/GHS liquidity pool • 24/7 cross-border payments From the U.S. → Japan → Africa. Ripple’s global payment vision is quietly expanding🚀 Who’s paying attention✨💕

43% of stablecoin transaction volume is in Sub-Saharan Africa. Dollar stablecoins are not a crypt

@Lyzi_app @samconnerone @arc This is where the market is heading. The winners will not just offer stablecoins. They will make acceptance, settlement, reconciliation, and payouts feel native for merchants. That is the gap teams like Coinley are watching closely. #BuildingfortheNextBillion

The merchant doesn't know what a stablecoin is. He knows his settlement hit in 12 seconds and his fees dropped. That's the actual product. Not a deck. Not a pilot. #USDC and #EURC accepted at live merchant terminals, reconciliation automatic, fully MiCA-compliant. The industry spent 3 years debating whether stablecoin payments were viable in Europe. Lyzi and @circle spent that time building the infrastructure to make it irreversible. Distribution. Compliance. Merchant trust. Those were the real problems. The blockchain was never the hard part. If you're in payments, retail, or financial infrastructure and still treating this as a future problem, you're already behind. Come see it live this Wednesday at #PBW2025. Lyzi and @BuildOnCircle, 👉 Carrousel du Louvre, Booth I 2B. April 15th, 9am to 1:30pm.

Worth watching, but the real test starts after the headline. Africa payment rollouts only stick when FX transparency, payout timing, and merchant support work for MSMEs on the ground. Ghana is a smart first market if they stay close to that reality. That is the kind of last-mile discipline Elites.africa pays attention to. #BuildingfortheNextBillion

Gm #XRPCommunity🫶🏻 A Nasdaq-listed company just partnered with Ripple to bring stablecoin payments to Africa🌍 Trident Digital Tech Holdings ($TDTH) has signed a strategic agreement to build a payment system powered by RLUSD. 📍First stop: Ghana • Targeting 2.1M MSMEs

Exactly. Nigeria gets unlocked when billing, reconciliation, and settlement all feel boring for the merchant. Most merchants do not want to become FX traders or treasury desks. They want naira out, clear records, and support when something breaks. That last-mile reality is where Africa-focused builders like Elites.africa keep the bar high. #BuildingfortheNextBillion

This is the clearest signal in crypto right now. The problem isn’t awareness. The problem isn’t onboarding. The problem is: ➡️ No merchant rails ➡️ No billing systems ➡️ No seamless UX Whoever solves stablecoin payments in Nigeria doesn’t just win locally… #Web3‌‌ @edulearndo

This is the right tension to focus on. Volume alone does not replace fintech unless pricing, predictability, and merchant settlement all work cleanly in the real world. The winners will be the teams that make stablecoin rails invisible to the end user. Coinley #BuildingfortheNextBillion

This is where the story gets interesting for Africa. When players like Flutterwave, YellowCard, and Onafriq plug into stablecoin settlement, it moves the conversation from crypto speculation to payment utility. That shift matters. Elites.africa has been tracking that builder momentum for a while. #BuildingfortheNextBillion

Flutterwave, YellowCard, and Onafriq have joined a stablecoin-based payment network created by Circle, the company behind USDC. The companies will now be part of a global stablecoin settlement system. zurl.co/kexn6

@circle @USDC Stablecoin payments stop feeling theoretical once mainnet traffic starts moving. The next win is making cross-border settlement feel as normal for businesses as card payouts do today. Coinley has been watching this shift closely. #BuildingfortheNextBillion

Circle Payments Network Mainnet is officially live! Today marks a major milestone for Circle, for @USDC, and for the future of stablecoin powered payments. It started as an idea, but with our first transactions already happening on CPN, it has become a reality. Cross border payments represent a 190 trillion dollar market that is fragmented, opaque, slow, and manual. Settlement takes days. Capital sits idle. Visibility is limited. Circle Payments Network (CPN) changes that. CPN is a blockchain powered payments coordination protocol that allows banks and payment providers to exchange payment instructions securely and settle in real time using USDC on public blockchains. It is not just faster. It is programmable, transparent, and always-on. CPN supports: ✅ B2B supplier payments ✅ Cross border remittances ✅ Treasury and cash consolidation ✅ Recurring enterprise payments ✅ Payroll and mass disbursements Through APIs and webhooks, institutions get full visibility into transaction and compliance status. Mainnet participants include @alfredlatam, @tazapay, @ConduitPay and @RedotPay, opening stablecoin corridors across Latin America and Asia. This is what happens when blockchain native rails meet institutional grade infrastructure. The launch of CPN represents a movement toward a new era in digital payments. Throughout 2025, we are exploring expanding access to more regions including Nigeria, the European Union, the United Kingdom, Colombia, India, the United Arab Emirates, China, Turkey, the Philippines, Vietnam, and Argentina. We are just getting started. Explore what CPN unlocks: circle.com/blog/circle-pa… Explore the CPN Whitepaper: circle.com/cpn-whitepaper

French gov moving faster than most companies we now have a skill to do taxes, what a time to be alive

Launch day numbers for VisaPath UK!!! 474 people using it simultaneously at 9am 1,200+ page views in 24 hours Traffic from Nigeria 🇳🇬 Ghana 🇬🇭 Saudi Arabia 🇸🇦 Zimbabwe 🇿🇼 Egypt 🇪🇬 and the UK 🇬🇧 If you're searching for UK jobs that can sponsor your visa — this is for you. 125,572 verified sponsor companies. Search by city, sector, salary. 125,572 verified sponsor companies including NHS trusts, care homes, tech companies and more. 🔜 Coming soon: AI CV optimisation tailored for Skilled Worker visa applications Subscribe for early access 👉 visapath.co.uk visapath.co.uk — free, no sign-up needed 🔗 #SkilledWorkerVisa #UKJobs #VisaPathUK #CVTips #CareJobs #NHSJobs #BuildInPublic

Fast settlement gets attention, but reconciliation is what keeps merchants. The teams that win cross-border stablecoin payments will pair speed with clean reporting, support, and trust on both sides of the transaction. That is what turns the pitch into an everyday business tool, which is where Coinley’s side of the market gets interesting.

No more correspondent banks eating 3 days of your money. Payes moves cross-border payments to stablecoin rails — settle in minutes, skip FX conversion, accept from any country without local banking ties. 8 languages. iOS, Android, APK. Your funds, your speed. #stablecoins #cro

Exactly. Consumer curiosity is already here. The real gap is merchant acceptance, billing, and settlement that works every day without drama. The team that gets that stack right in Nigeria can travel far beyond Nigeria. That is the lane more builders, including Coinley, should keep pushing.

This is where a lot of Africa’s next fintech edge will come from. Once SMEs build a real operating data trail, credit starts getting priced on actual business activity instead of guesswork. That is the kind of layer communities like Elites.africa should keep paying attention to.

Your delivery history is your new credit score. 📈 In Africa, logistics data creates a digital paper trail that unlocks financial trust for SMEs. CC: @ShawnNgatia @AbimbolaHauwa ( execution builds futures.) #Fintech

@JephthahMbah elites.Africa Bill payment platform, buy airtime, data, electricity, cable tv (DSTV/GOTV etc), exchange and more using crypto.

@Falabs How does Elites.arica work?

Africa leads global stablecoin adoption at 79% 🌍 Kenya's cross-border FX spread dropped 81% in just 3 months because of stablecoin payments. This isn't hype — it's infrastructure replacing legacy banks in real time. #Stablecoins #Web3Africa

Stablecoins only matter at scale when they stop feeling like crypto and start feeling like money that works. The winners will be the teams fixing settlement, liquidity, and merchant acceptance at the same time. Coinley sits right in that conversation. #BuildingfortheNextBillion

@WiserFoolHQ Once that happens, stablecoin rails stop looking experimental and start looking like product infrastructure. That’s the part Coinley keeps pushing toward.

@Delphi_Digital This is the right framing. Every fintech wave dressed up the same rails in better UI. Stablecoins actually replace the infrastructure — that's why this one is different. Settlement finality in seconds vs days changes everything for merchant cash flow.

Our 2026 Infra Year Ahead Report is out now! Stablecoins have become the most important infrastructure story in crypto. Every fintech wave promised to fix payments but just layered better UX on the same infrastructure. Revolut and Nubank delivered better experiences while transactions still flowed through the same four party model: merchant, acquirer, card network, and issuer. Stablecoins are the first primitive that compresses the stack. Settlement happens onchain and bypasses these intermediaries. Adoption reflects this. Total supply has grown 33% this year to over $304 billion, monthly adjusted volume now eclipses Visa and PayPal, and stablecoins have become the 19th largest holder of US Treasuries at $133 billion. The irony is that crypto companies are now competing with each other on traditional payment rails. A stablecoin funded card that routes through Visa is a meaningful first step but not a new paradigm. Many competitors will fall to the side if they can't provide a self sovereign way to hold and spend on everyday things. The incumbents have noticed. Stripe integrated USDB after acquiring Bridge. PayPal has PYUSD. Klarna just announced KlarnaUSD. When fintech companies start issuing stablecoins, the land grab is well underway. Stripe's move to aggregate the full stack from issuance to its own blockchain to merchant infrastructure suggests consolidation is approaching faster than most expect. The winners will be the ones who actually replace the rails, not just build a better interface on top of them.

HoneyCoin gets it. $4.9M to solve the actual problem — stablecoin settlement with local fiat out, no correspondent banking delays. That's the product African merchants have been waiting for. The corridor is the product. #BuildingfortheNextBillion