Fintech Experts in Africa - Payment Decision Layer & Stablecoins

☕ Fintech Espresso #15 is out. The next fintech battle starts before the transaction. Whoever captures the decision captures the payment. 📊 Facts & Figures EscrowPay launched native WhatsApp escrow with licensed banking partners. Social commerce now needs trust infrastructure before payment. The next payment layer may start inside the chat — if trust, identity and licensed settlement reduce counterparty risk. In this edition: 🟢 Daya and Inclusive Insurance Investment Fund (3IF Ventures) Ventures show capital moving into B2B stablecoins and insurtech infrastructure. 🟡 Paystack, ChatGPT, Claude Code and Maminda AI show commerce, AI agents and agriculture becoming financial infrastructure. 🔴 Central Bank of Nigeria and International Monetary Fund put payment data residency and stablecoin volumes at the centre of monetary sovereignty. My take : the payment rail is becoming less valuable than the decision layer. Fintechs that only process transactions arrive too late. We are looking for experts and contributors in fintech, payments, financial inclusion and regulation across Africa. Add your profile : https://lnkd.in/e9E7FmY3 #FintechEspresso #AfricaFintech #DigitalFinance #Stablecoins #PaymentInfrastructure