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Yinka

@waleyinks

CEO @nombahq | Exploring Payments, Banking and Crypto

Lagos | Kinshasa | Katılım Ocak 2010
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Brian Armstrong
Brian Armstrong@brian_armstrong·
For me the best way to think about this: snorkel, don’t scuba. Diving too deep is a bit dangerous, and people get lost down there. Take glances at what’s beneath (lots of pretty fish!) from near the surface, and then get back to work. Wherever your motivation comes from (revenge, fear, competition, love of the game, learning, impact) is fine - harness it and get moving. I personally do some journaling (appreciations, write out goals, figure out what I want to get done tomorrow, etc) but then stop procrastinating and get after it.
More Perfect Union@MorePerfectUS

Billionaire Marc Andreessen says he has "zero" introspection, and that the idea itself is a modern invention.

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Yinka
Yinka@waleyinks·
Money follows the part of least resistance. Stablecoins >>> PayPal (in time). This is Uber vs Yellow cabs
The Flip@TheFlipHQ

Getting paid shouldn’t be this hard. A freelancer in Nigeria had to send his salary to a friend in the UK just to access it. Why? Because for years, global fintech platforms ignored entire countries. Jobs lost, opportunities blocked, income trapped, not because of skill, but because of payment systems. Now, after years, PayPal is back in Nigeria, finally letting people get paid internationally and withdraw locally. Will this change everything for Nigerian freelancers?

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Yinka@waleyinks·
@ichuckee Life is easy, ride bicycle. Na you wan do startup 😀
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Ukeme Okuku | PingApp 🍞
Ukeme Okuku | PingApp 🍞@hifisoftng·
The “Nigerians use stablecoins because the naira keeps losing value” narrative is outdated. In the last year, the naira has actually been one of the better-performing currencies, appreciating roughly ~10% against the USD at certain points. If your goal was purely holding value vs the dollar, you would have been better off holding naira (or a naira stablecoin like @cngn_co) than holding USD-pegged stablecoins. So why do Nigerians still use USDT/USDC? Not because of currency panic. The real driver is utility are Commerce, Remittance, access and convenience. > Commerce: Businesses use stablecoins for cross-border payments and imports. > Remittance: Diaspora transfers settle instantly without banking friction. > Access: Most Nigerians cannot easily access fiat USD. > Convenience: Stablecoins move globally in minutes without traditional rails and you can access it right from the convenience of your house. In Nigeria, stablecoins are becoming less a hedge and more a payment rail. They function as the internet-native dollar for trade and remittance not just a store of value.
Leon Waidmann@LeonWaidmann

USDT vs USDC ownership by country. Ranked. 🥇 🇳🇬 Nigeria: 59% USDT / 48% USDC 🥈 🇦🇺 Australia: 34% USDT / 29% USDC 🥉 🇮🇳 India: 30% USDT / 27% USDC 4. 🇨🇴 Colombia: 25% USDT / 29% USDC 5. 🇸🇬 Singapore: 29% USDT / 24% USDC 6. 🇿🇦 South Africa: 23% USDT / 29% USDC 7. 🇺🇸 United States: 22% USDT / 26% USDC 8. 🇵🇭 Philippines: 27% USDT / 20% USDC 9. 🇹🇭 Thailand: 25% USDT / 21% USDC 10. 🇦🇷 Argentina: 25% USDT / 20% USDC 11. 🇫🇷 France: 21% USDT / 14% USDC 12. 🇩🇪 Germany: 15% USDT / 17% USDC 13. 🇲🇽 Mexico: 16% USDT / 16% USDC 14. 🇬🇧 United Kingdom: 16% USDT / 14% USDC 15. 🇧🇷 Brazil: 14% USDT / 16% USDC Two things stand out: 🔹 Nigeria is in a league of its own. Nearly 60% USDT ownership. Dollar-denominated savings aren't optional when your local currency loses value daily. 🔹 USDC is catching up. In Colombia, South Africa, US, Germany, and Brazil, USDC ownership actually exceeds USDT. The regulated stablecoin is gaining ground. USDT still leads globally. But the gap is narrowing fast. Data: @BVNK Stablecoin Utility Report 2026

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Yinka@waleyinks·
@hifisoftng @Sir_Damilare God bless you. The notion that stables is saving Nigerians from poverty is actually insane.
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Stephen Deng
Stephen Deng@mrstephendeng·
This does not mean 59%/48% of Nigerians own USDT/USDC. This survey from BVNK and others surveyed only those who either already own crypto or plan to own crypto. It's not some general population survey; it's *highly* biased towards crypto familiarity.
Stephen Deng tweet media
Leon Waidmann@LeonWaidmann

USDT vs USDC ownership by country. Ranked. 🥇 🇳🇬 Nigeria: 59% USDT / 48% USDC 🥈 🇦🇺 Australia: 34% USDT / 29% USDC 🥉 🇮🇳 India: 30% USDT / 27% USDC 4. 🇨🇴 Colombia: 25% USDT / 29% USDC 5. 🇸🇬 Singapore: 29% USDT / 24% USDC 6. 🇿🇦 South Africa: 23% USDT / 29% USDC 7. 🇺🇸 United States: 22% USDT / 26% USDC 8. 🇵🇭 Philippines: 27% USDT / 20% USDC 9. 🇹🇭 Thailand: 25% USDT / 21% USDC 10. 🇦🇷 Argentina: 25% USDT / 20% USDC 11. 🇫🇷 France: 21% USDT / 14% USDC 12. 🇩🇪 Germany: 15% USDT / 17% USDC 13. 🇲🇽 Mexico: 16% USDT / 16% USDC 14. 🇬🇧 United Kingdom: 16% USDT / 14% USDC 15. 🇧🇷 Brazil: 14% USDT / 16% USDC Two things stand out: 🔹 Nigeria is in a league of its own. Nearly 60% USDT ownership. Dollar-denominated savings aren't optional when your local currency loses value daily. 🔹 USDC is catching up. In Colombia, South Africa, US, Germany, and Brazil, USDC ownership actually exceeds USDT. The regulated stablecoin is gaining ground. USDT still leads globally. But the gap is narrowing fast. Data: @BVNK Stablecoin Utility Report 2026

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Tayo Aina
Tayo Aina@tayoainafilms·
African creators need to find new ways to monetize their work beyond views & brand deals, cuz both are fickle and can disappear at any time. -Build Products (Physical & Digital) -Create Paid Communities (Memberships) -Consult for Brands, etc. Give value first, then convert.
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Yinka@waleyinks·
@DadaBen_ Lmao no worry na internal tools 😄
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Yinka
Yinka@waleyinks·
Chargeback no dey? Sorry DeFi 😄
Stani.eth@StaniKulechov

Earlier today, a user attempted to buy AAVE using $50M USDT through the Aave interface. Given the unusually large size of the single order, the Aave interface, like most trading interfaces, warned the user about extraordinary slippage and required confirmation via a checkbox. The user confirmed the warning on their mobile device and proceeded with the swap, accepting the high slippage, which ultimately resulted in receiving only 324 AAVE in return. The transaction could not be moved forward without the user explicitly accepting the risk through the confirmation checkbox. The CoW Swap routers functioned as intended, and the integration followed standard industry practices. However, while the user was able to proceed with the swap, the final outcome was clearly far from optimal. Events like this do occur in DeFi, but the scale of this transaction was significantly larger than what is typically seen in the space. We sympathize with the user and will try to make a contact with the user and we will return $600K in fees collected from the transaction. The key takeaway is that while DeFi should remain open and permissionless, allowing users to perform transactions freely, there are additional guardrails the industry can build to better protect users. Our team will be investigating ways to improve these safeguards going forward.

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Keşfet

@ichuckee @cngn_co @hifisoftng @Sir_Damilare @DadaBen_ @amosuibk @irokotv @elonmusk