K̴OXY #WID👩🏽‍🍳

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Great question. I personally lean toward modular per-corridor compliance. Starting with the strictest rules for every market can make expansion easier from a compliance standpoint, but it can also create unnecessary friction for users in countries where those rules aren’t required. With a modular approach, you keep the core payment system the same while adjusting things like KYC, AML, and transaction checks based on the regulations of each country. It takes more planning upfront, but I think it’s much easier than trying to rebuild your compliance system after you’ve already expanded into multiple markets. That’s why I believe compliance should be part of the product design from day one, not something you add later.

@koxy_Dev @apiconflagos Appreciate the exchange. This is the kind of thing that's easy to underweight until you're three markets in and retrofitting. Curious what you've found works in practice: uniform-strict architecture from the start, or modular per-corridor logic?

Reflecting on my speaking session at API Conference Day 2, where I shared insights on “Building Crypto Payment APIs in Africa.” @apiconflagos One of the key points I highlighted is that building payment rails goes beyond just the technology. When creating these systems, especially without relying on third-party providers, compliance and regulatory considerations must be embedded into the architecture from the beginning. With different countries having their own regulatory frameworks - the compliance layer, including KYC/KYB, AML, risk assessment, and transaction screening, becomes a critical foundation for building secure and scalable payment infrastructure. The future of Web3 payments will not be built by a single company. It will be shaped by founders, developers, and ecosystem builders creating products that solve real-world problems. If you missed the conference, no worries, you can still access my slides. Simply visit apiconf.net/2026slides and search for “Progress” to find my session materials. I’d love to hear your thoughts: what do you think is the biggest challenge founders face when building compliant Web3 payment infrastructure in Africa?

That’s a great point. Compliance isn’t a one-size-fits-all problem. Different jurisdictions have different regulatory expectations, and in some cases, those requirements can even conflict. Thanks for adding this perspective, it highlights an important architectural consideration that often gets overlooked.

One variable that deserves more attention here: compliance requirements don't just vary by country, they sometimes actively conflict. A KYC threshold that satisfies one regulator can be insufficient for the next corridor over. "Embed compliance from day one" is right, but the harder design question is whether you're building for the strictest common denominator across every market you'll touch, or building modular compliance logic that swaps per corridor. Most teams don't price that trade-off in until it's already expensive to fix.

@utee_akan @apiconflagos Thank you so much! 😊 I’m really glad you enjoyed the session. It was great sharing my thoughts, and I appreciate you taking the time to attend and for the kind words. 🙏

@koxy_Dev @apiconflagos I enjoyed your session🔥. You spoke well.

I agree. Compliance is much bigger than implementing KYC or AML. It’s about navigating regulations, establishing the right banking and infrastructure partnerships, earning user trust, and adapting to the regulatory nuances of each market. That’s exactly why I believe founders should treat compliance as a core part of their product and business strategy, not just a legal checkbox.

@koxy_Dev @apiconflagos Compliance, not code. Balancing regulation, banking partnerships, user trust, and cross-border payments across multiple African markets is the biggest hurdle for most Web3 payment founders.

@martha_fidelis @womenindefi_org @thesarahidahosa Congratulations Martha! 🤭

From curious to building a fully responsive web app. 💙 Officially completed the Women in DeFi Web Development Cohort 3.0! 🎉 Huge thanks to @womenindefi_org , the founder @thesarahidahosa , our amazing mentors @koxy_Dev and every other mentor who guided us on this journey 🙏

@EstherKent_ @womenindefi_org @findy_dev @chinaza_chisom @thesarahidahosa Congratulations Esther! 🤭

3 months ago, I started Web Dev with zero clarity. Today, I build with HTML, Tailwind CSS, JavaScript & React. Growth came from showing up every single day. Grateful to @womenindefi_org , the mentors @koxy_Dev @findy_dev @chinaza_chisom & the founder @thesarahidahosa .

@UkangeRejoice @apiconflagos Awww 🥹🥹🥹 That’s so sweet of you. Thank youuu 😩❤️

@koxy_Dev @apiconflagos I intentionally came for this event because of what you’ll be speaking on. It was indeed an amazing session. Nice meeting you here again KOXY 😊 Keep up the good work 🫶🏼

@adeolalasisi6 Congratulations 🤭🤭🤭

IT'S MY TURN 🎉🔥🔥🔥 Let the congratulations roll in 🏆

I understand your point, but I still stand by consistency because, when the time is right, you’ll eventually reap the rewards of what you’ve worked so hard to build. There’s no point worrying about someone else who got into the room through connections. Funny enough, if you’re consistent in your own journey, you’ll eventually connect with the right people who will open those same doors for you. Consistency has a way of creating opportunities and attracting the right relationships.

@koxy_Dev Consistency improves your craft, but it doesn’t guarantee access to people, networks, or opportunities, While Connection creates opportunity, One referral can achieve what hundreds of applications couldn’t. Hope you get my point now ?

Consistency is the key to all doors! 🙂

@1504_king Can you give me a good example of those times

@koxy_Dev Sometimes consistency doesn’t get you the connection you need

@gloria_obim If it came easy, everyone would have it. Nothing worthwhile in life comes easy.

@koxy_Dev It’s never easy but if you can, it will surely pay off

@1504_king How do you build that connection? Isn’t it by consistently showing up?

@koxy_Dev Consistency with a touch of connection and then crown it up with Grace 🤌

@Sound_villan Exactly 👌

Consistency with a little sprinku of resilience.

For me, one of the biggest UX mistakes in Web3 is making users feel like they need to understand blockchain. Web3 will go mainstream when people don’t need to know they’re using blockchain. What’s yours?

At the @apiconflagos , I had the privilege of speaking as one of the speakers. One of the key points I emphasized was this: As blockchain builders, we shouldn’t build products that scare users away from Web3. 🌟A bad user experience looks like this: Connect wallet → Choose network → Pay gas fee → Approve transaction 🌟 A great user experience looks like this: Pay → Confirm → Done Three taps. No explanations needed. The technology should be invisible. For me, the future of Web3 is bringing the next billion users on-chain. That won’t happen by making blockchain more complicated for Web2 users. It will happen through better APIs, better infrastructure, and better user experiences. If you missed the conference, no worries, you can still access my slides. Just click the link and search for “Progress.” apiconf.net/2026slides Before you go, I’d love to hear your thoughts: What’s the biggest UX mistake you’ve seen in a Web3 product? #apilagosconf2026

@adeolalasisi6 Congratulations 🤭🤭

To God be the glory ❤️🙏🏽 I got inducted today into the Computer professional body of Nigeria 🏆🎉 It only gets better from here! Now you can call me “Lasisi Matthew Adeola GMCPN"🏆

@adeolalasisi6 @solana @SuperteamNG Congratulations Lasisi 🤭🤭

I got my first MacBook pro 🎉💯🏆❤️ Thank you God Thank you Typescript Thank you JavaScript Thank you @solana Thank you @SuperteamNG Now where should I press to start getting $10,000 monthly? Mac family, am I welcomed?