I spent four years building on Kenya's mobile-money rails before I understood what I was actually building on: not a payments company, but something much closer to a narrow bank.
The importers I know moving dollars on-chain are not avoiding banks. They are avoiding the queue for them.
Devaluation takes the headlines. The binding constraint is how long a tonne of fertiliser sits at Beira.
KES ↔ MWK settlement, T+2 to same-day. Experimental pilot.
Case study →One chart and one argument about African money, most Fridays. No link roundups.