𝑻𝒐𝒌𝒖𝒏𝒃𝒐 𝑫𝒂𝒓𝒌𝒐 retweetledi
𝑻𝒐𝒌𝒖𝒏𝒃𝒐 𝑫𝒂𝒓𝒌𝒐
6.1K posts

𝑻𝒐𝒌𝒖𝒏𝒃𝒐 𝑫𝒂𝒓𝒌𝒐
@etdarko
Tech. Retweets ARE endorsements. Building @cpayantmobile
🌎 Katılım Ekim 2013
277 Takip Edilen523 Takipçiler
𝑻𝒐𝒌𝒖𝒏𝒃𝒐 𝑫𝒂𝒓𝒌𝒐 retweetledi

The hidden inflation tax no one talks about: cash.
I run a company that moves money across African borders using stablecoins. So I think about the cost of transactions, and the cost of not transacting efficiently, every single day.
But here's something that rarely makes it into the monetary policy conversation: cash denominations are quietly inflating prices across Africa, and almost nobody is calling it out.
Let me explain with something every African has experienced; You go to buy something. The seller wants to increase the price by 90 pesewas. Or 70 naira. Or 50 shillings. A completely reasonable adjustment, maybe input costs went up, maybe fuel prices moved.
But there's no coin for 0.90. There's no note for 0.70.
So what happens? The price goes up by 2. The full denomination. Because that's the smallest unit of physical currency available.
The consumer absorbs an inflation hit that is 2x or 3x what the actual market adjustment warranted, not because of supply and demand, not because of monetary policy, but because of the physical constraints of paper and metal.
And it works the other way too. A seller doesn't need to raise prices at all, but they can't give you 0.90 change. So they round up. Or they "forget" the change. Or they give you sweets instead of coins. We've all been there.
This is not a small problem. Multiply this across millions of daily transactions in Lagos, Accra, Nairobi, Johannesburg, across market traders, kiosks, transport, food vendors, and you're looking at a structural inflation driver baked into the very fabric of cash-dependent economies.
Digital payments eliminate this entirely.
If transactions move to digital rails, mobile money, stablecoins, digital wallets, prices can reflect actual economic reality. A seller can charge exactly what something costs. A buyer can pay to the last decimal. Change is never an issue. Price increases can be precise, proportional, and honest.
This is one of the underrated arguments for digital payment adoption in Africa that I wish more policymakers were making loudly.
We talk about financial inclusion. We talk about transaction speed and remittance costs (which is exactly what we solve at @cpayantmobile). But we don't talk enough about how digitizing payments is also an anti-inflation tool, a way to let markets price things accurately instead of rounding up to the nearest physical denomination.
Africa's informal economy is enormous. Its cash dependency is well-documented. The opportunity isn't just to bring people into the financial system, it's to build a more honest, efficient price system from the ground up.
That work starts with moving transactions off cash.
The infrastructure exists. The stablecoins exist. The mobile penetration exists. What we need now is the policy will, and the urgency to match the opportunity.
English

🎶Vanessa Carlton - A Thousand Miles🎶🎧
music.youtube.com/watch?v=PNoIn1…
English

🎶Eagle-Eye Cherry - Save Tonight🎶🎧
music.youtube.com/watch?v=ZI2lAh…
English

@PopCrave Cher's version of "walking in Memphis" will always be my favorite. Happy birthday Cher. #MayBorn4AReason.
English
𝑻𝒐𝒌𝒖𝒏𝒃𝒐 𝑫𝒂𝒓𝒌𝒐 retweetledi
𝑻𝒐𝒌𝒖𝒏𝒃𝒐 𝑫𝒂𝒓𝒌𝒐 retweetledi

🚨 A bird’s-eye view of the redesigned median at the entrance of Accra International Airport. The landscaping layout is giving the area a cleaner, more modern look.
Urban road beautification projects like this should be replicated across more parts of Ghana.
🎥: @exploringmann
English
𝑻𝒐𝒌𝒖𝒏𝒃𝒐 𝑫𝒂𝒓𝒌𝒐 retweetledi

Intelligence is a beautiful thing, I will not lie. There is something deeply attractive about a mind that can see patterns others miss, connect distant ideas, and explain the world with startling clarity.
But what I have found with many intelligent people is a curious tendency to confuse understanding with action. They become endlessly patient with circumstances while doing absolutely nothing to change them.
And so their intelligence, rather than serving as a catalyst for movement, becomes a sophisticated defense mechanism. They can explain why now is not the right time. They can construct elaborate arguments for waiting a little longer. They can intellectualize their inertia so convincingly that even they begin to mistake hesitation for wisdom.
But intelligence without ruthless execution is, in many ways, just cosplay.
It is the performance of competence without the burden of consequence. The intelligent man continues to defend his position because intellectualizing about an issue is simple; the real work lies in summoning the courage to act.
And that, to me, is the greatest limitation of intelligence on its own.
Mind and Glory 🎖@mindandglory
An intelligent man never lets urgency from others override the patience his strategy requires.
English
𝑻𝒐𝒌𝒖𝒏𝒃𝒐 𝑫𝒂𝒓𝒌𝒐 retweetledi

What’s the story you’re trying to tell and who’s your target audience?
🇬🇭 Black Stars@GhanaBlackstars
Kente energy, global frequency 🇬🇭✨
English

@iamBigChops Capo, @edwindavidson2, wo nipa ayɛ free. Anaa me boa?
Indonesia
𝑻𝒐𝒌𝒖𝒏𝒃𝒐 𝑫𝒂𝒓𝒌𝒐 retweetledi

LE TOGO SUPPRIME LE VISA POUR TOUS LES AFRICAINS !
Le Togo franchit une étape historique dans le renforcement de l’intégration africaine. Désormais, tous les ressortissants des États africains détenteurs d’un passeport national valide peuvent entrer sur le territoire togolais sans visa, pour un séjour allant jusqu’à 30 jours.
À travers cette réforme majeure, le Président du Conseil réaffirme sa volonté de faire du Togo un espace d’ouverture, de mobilité, d’opportunités et de coopération au cœur du continent africain.
Les voyageurs doivent toutefois effectuer leur déclaration de voyage sur la plateforme officielle voyage.gouv.tg au moins 24 heures avant leur arrivée afin d’obtenir leur bordereau de voyage.
Le Togo confirme ainsi son leadership en matière d’intégration régionale et de rapprochement des peuples africains.
#Togo
#Afrique
#integration
#Libre
#panafricanism
#voyage
#cooperation

Français

Existing in multiple timezones at a time; sleep is k!lled, like Macbeth once said #Shakespeare.
English








