Bowofade Oyerinde

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Bowofade Oyerinde

Bowofade Oyerinde

@Fade_networker

Seasoned Full-Stack Software Engineer | High-performance, scalable web, mobile & desktop solutions | User-focused, innovative & reliable | https://t.co/KFLWGE7Sho

Abuja, Nigeria 加入时间 Mayıs 2013
329 关注220 粉丝
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Bowofade Oyerinde
Bowofade Oyerinde@Fade_networker·
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.
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Gap | Suby
Gap | Suby@gaspardlezin·
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.
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Smart👨‍💻 | Software Engineer
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.
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✞ Richard ✞
✞ Richard ✞@Richard_gh1·
Psalm 119:37
✞ Richard ✞ tweet media
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Adventist Church
Adventist Church@adventistchurch·
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.
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Adventist Church
Adventist Church@adventistchurch·
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.
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𝗠𝘂𝗵𝗲𝗲 ♛
𝗠𝘂𝗵𝗲𝗲 ♛@muheediva01·
Ka ma fola pitan Ka ma fiku lokiki Ka ma faisan logba Ka ma sukun ale
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Branko
Branko@brankopetric00·
Kubernetes was built to solve Google-scale problems. You have 47 users.
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Povilas Korop | Laravel Courses Creator & Youtuber
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.
Povilas Korop | Laravel Courses Creator & Youtuber tweet mediaPovilas Korop | Laravel Courses Creator & Youtuber tweet media
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Devon- Build Happiness
Devon- Build Happiness@DevonBuildHappy·
Good morning, Do you feel inspired today?
Devon- Build Happiness tweet media
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Adventist Church
Adventist Church@adventistchurch·
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
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ThatBlessedGirl
ThatBlessedGirl@BlessedGirl001·
When I see the kind of work men do to keep the world working, I can't stop imagining what the world would be like without men.
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Isaiah robin
Isaiah robin@isaiahrobinlive·
🚨Young Preacher rebukes lukewarm Christians🙌
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The Figen
The Figen@TheFigen_·
A father who doesn’t allow makeup but also doesn’t want to disappoint his daughter comes up with the sweetest solution.
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