Fintech Experts Francophone Africa - Payments & Infrastructure Risks

☕ Fintech Espresso #16 is out. The next fintech moat is clean infrastructure before scale. Fast growth means little if the licence, liquidity or settlement layer is fragile. 📊 Facts & Figures Central Bank of Nigeria revoked 46 microfinance bank licences. Regulatory shortcuts are becoming balance-sheet risks. For fintechs, buying access to a licence is not the same as owning clean infrastructure. In this edition: 🟢 Stabyl and Senegal’s $50M Catalyst Délégation Générale à l'Entreprenariat Rapide des Femmes et des Jeunes - DER/FJ fund show capital moving into FX liquidity and francophone seed infrastructure. 🟡 Sycamore.NG and Bamboo show two sides of infrastructure risk: inherited licence exposure and wealthtech-driven market liquidity. 🔴 Bank of Ghana targets crypto-dollarisation by cutting unauthorised USD and crypto wallet rails from banks, PSPs and EMIs. My take : the next fintech winners will build reliable systems before chasing visible growth. Fintechs that scale on weak licences, opaque liquidity or parallel monetary rails will face harder scrutiny. We are looking for experts and contributors in fintech, payments, financial inclusion and regulation across francophone Africa. Add your profile to the skills mapping: https://lnkd.in/e9E7FmY3 #FintechEspresso #AfricaFintech #DigitalFinance #FintechRegulation #PaymentInfrastructure