How Crypto and Regulation Are Reshaping Africa’s Financial System: Payments, Remittances and Digital Assets with Ayotunde Alabi

Episode 218 with Ayotunde Alabi, CEO of Luno Nigeria, one of Africa’s leading cryptocurrency platforms. Ayotunde brings over a decade of experience across finance and technology, with leadership roles at Spektra, ARM HoldCo, FBNQuest and Heritage Bank. As a SEC Sponsored Individual with certifications from the Chartered Institute of Stockbrokers in Nigeria and the Chartered Institute for Securities and Investment in the United Kingdom, he sits at the intersection of traditional finance, fintech, and digital assets.In this episode, we explore how cryptocurrency, fintech, and regulation are transforming Africa’s financial system in 2026. With new tax regimes, increased regulatory scrutiny, and rising capital requirements, Ayotunde explains why this moment represents a major turning point for digital assets across the continent. He breaks down Nigeria’s landmark decision to classify cryptocurrencies as financial securities and what this means for crypto adoption, fintech innovation, and investor confidence.We also examine the global forces shaping Africa’s financial future, including the introduction of a new 1% United States remittance tax and its implications for cross border payments, remittances, and financial inclusion.From a strategy and product perspective, we explore how Luno is positioning itself as a key player in Africa’s digital asset ecosystem. From crypto staking and tokenised stocks to integrating cryptocurrency into mainstream banking.What We Discuss With AyotundeAfrica’s financial system in 2026 and why crypto regulation is a turning point for fintech and digital assetsNigeria’s cryptocurrency tax framework and what it means for investors, startups, and financial institutionsThe rise of capital requirements and how regulation could reshape competition in Africa’s crypto and fintech ecosystemThe impact of the United States 1 percent remittance tax on cross border payments and digital financeHow crypto, blockchain, and digital assets are evolving from speculation into infrastructure for trade, remittances, and capital formationDid you miss my previous episode where I discuss How Africa Can Own AI: From Talent to Infrastructure to Global Competitiveness? Make sure to check it out!Connect with Terser:LinkedIn - Terser AdamuInstagram - unlockingafricaTwitter (X) - @TerserAdamuConnect with Ayotunde:LinkedIn - Ayotunde AlabiWebsite - www.gebeya.comMany of the businesses unlocking opportunities in Africa don’t do it alone. If you’d like strategic support on entering or expanding across African markets, reach out to our partners ETK Group:[email protected]

Episode 217 of the Unlocking Africa Podcast with Amadou Daffe, CEO and Co founder of Gebeya, a leading pan African technology company building talent ecosystems, digital marketplaces, and AI powered platforms to unlock Africa’s global competitiveness.As artificial intelligence reshapes the global economy, a critical question is emerging: will Africa simply consume AI tools built elsewhere, or will it build, own, and capture value from AI within the continent?Amadou shares how Gebeya’s latest platform, Gebeya Dala, developed in partnership with Cassava Technologies, is helping African entrepreneurs, creators, and SMEs move from using AI to building AI driven products. From enabling users to turn ideas into fully functional applications in real time to teaching non technical founders how to think in workflows, systems, and logic, this conversation explores how Africa can transition from an AI consumer to an AI creator and exporter.We also explore the concept of sovereign AI infrastructure in Africa, including the importance of local compute, data ownership, and digital infrastructure in shaping long term economic growth. Amadou explains why the future of Africa’s digital economy will depend not just on access to AI tools, but on ownership of the platforms, systems, and infrastructure that power them.What We Discuss With AmadouWhy Africa risks exporting the value of its creative and digital economy in the age of AI, and who ultimately captures the revenue, data, and intellectual propertyMoving beyond prompt engineering to structured thinking, and why workflows, logic, and systems are becoming the highest value skills for African foundersHow platforms like Gebeya Dala are enabling non technical entrepreneurs to build real products and scalable businesses, not just prototypesWhat sovereign AI infrastructure means in practice, and why local compute, data ownership, and partnerships like Cassava Technologies are critical for Africa’s competitivenessThe emergence of AI native roles across Africa, and how freelancers, creatives, and SMEs can start capturing income and building globally competitive businesses todayDid you miss my previous episode where I discuss How Precision Medicine and Genomics Could Transform Healthcare in Africa? Make sure to check it out!Connect with Terser:LinkedIn - Terser AdamuInstagram - unlockingafricaTwitter (X) - @TerserAdamuConnect with Amadou:LinkedIn - Amadou አማዱ Daffe and Gebeya IncWebsite - www.gebeya.comMany of the businesses unlocking opportunities in Africa don’t do it alone. If you’d like strategic support on entering or expanding across African markets, reach out to our partners ETK Group:[email protected]

Episode 216 with Derrick Edem Akpalu, Co Founder and Chief Executive Officer of Revna Biosciences, a biotechnology company advancing precision medicine, genomics, and molecular diagnostics across Africa. Derrick is leading a mission to transform healthcare outcomes by building world class diagnostic and research capabilities that address some of the continent’s most pressing medical challenges. Through Revna Biosciences, he is helping bring advanced genomic testing, clinical research partnerships, and personalised treatment selection closer to the patients and healthcare providers who need them most.Derrick explains why precision medicine could play a significant role in the future of healthcare across Africa, and why the continent’s extraordinary genetic diversity presents a powerful opportunity to improve disease diagnosis, treatment, and drug development globally. From oncology and infectious disease genomics to biobanking and translational research, he shares how building local life sciences infrastructure can dramatically improve patient outcomes while enabling Africa to contribute more meaningfully to global biotechnology and medical research.Derrick also discusses the realities of building a deep science biotechnology company in Africa, the importance of international laboratory standards and global research partnerships, and why local diagnostic capacity is essential for strengthening healthcare sovereignty across the continent. More broadly, he explores how investment in health innovation, biotechnology, and medical research can unlock new economic opportunities, create high value scientific jobs, and position Africa as a global hub for life sciences discovery and healthcare innovation.What We Discuss With DerrickThe rise of precision medicine in Africa and why the continent’s genetic diversity could reshape global healthcare innovation.Why building local molecular diagnostics and genomics infrastructure is essential for improving patient outcomes and strengthening healthcare sovereignty.How Revna Biosciences is developing biotechnology capability in Africa through genomics, biobanking, and clinical research partnerships.The realities of building a biotechnology and deep science startup in Africa and the challenges founders face beyond raising capital.Why investment in healthcare innovation, biotechnology, and life sciences should be viewed as critical economic infrastructure for Africa’s future growth.Did you miss my previous episode where I discuss How Africa Can Build a Stronger Agribusiness Economy: Patient Capital, Food Security & Investment? Make sure to check it out!Connect with Terser:LinkedIn - Terser AdamuInstagram - unlockingafricaTwitter (X) - @TerserAdamuConnect with Derrick:LinkedIn -  Derrick Edem AkpaluMany of the businesses unlocking opportunities in Africa don’t do it alone. If you’d like strategic support on entering or expanding across African markets, reach out to our partners ETK Group: [email protected]

Episode 215 with Luc-Etienne Dandrieu, General Manager of AlphaSeeds, a philanthropic investment company supporting sustainable agribusiness SMEs across Africa. In this episode we explore the future of African agribusiness, agricultural investment, and food security, and how patient capital can unlock new opportunities for entrepreneurs across the continent.Luc-Etienne brings more than twenty years of experience across agriculture, food systems, research and development, and sustainability management, with previous roles spanning global food companies and Mercy Ships Switzerland. In this conversation we examine one of the most critical challenges facing African agriculture today: the massive financing gap for agribusiness SMEs and why innovative investment models are needed to support entrepreneurs building the next generation of food and agricultural businesses.Luc-Etienne explains how AlphaSeeds combines the discipline of investment with the long term perspective of philanthropy to support early stage agro processing companies in Africa that create jobs, strengthen food security, and build more resilient local economies. From providing seed equity and strategic expertise to working directly with founders on supply chains, production, and operational challenges, he shares how patient capital and impact investment can help agribusinesses scale sustainably.What We Discuss With Luc-EtienneWhy Africa’s agribusiness sector still faces a significant financing gap for agricultural SMEs despite employing a large share of the continent’s workforce.Why agro processing and local value chains may be the real engine for job creation, food security, and economic growth across African economies.How philanthropic investment and patient capital can support agribusiness entrepreneurs in ways traditional venture capital and development finance often cannot.Why building profitable agribusinesses that strengthen communities and supply chains may be more powerful than short term aid driven interventions.What the next generation of African agribusiness models could look like as climate resilience, regional food systems, and local processing become central to economic growth.Did you miss my previous episode where I discuss The Trade That Kills Silently: Falsified Medicines and Pharmaceutical Crime in Africa? Make sure to check it out!Connect with Terser:LinkedIn - Terser AdamuInstagram - unlockingafricaTwitter (X) - @TerserAdamuConnect with Luc-Etienne:LinkedIn - Luc-Etienne Dandrieu and AlphaSeedsMany of the businesses unlocking opportunities in Africa don’t do it alone. If you’d like strategic support on entering or expanding across African markets, reach out to our partners ETK Group: [email protected]

Episode 214 with Foulo Basse, President and Chief Executive of The Brazzaville Foundation, an organisation leading Africa’s battle against falsified medicines, counterfeit drugs, and pharmaceutical crime across the continent.Fake and substandard medicines are one of the most urgent yet under reported public health crises in Africa. From ineffective antibiotics and compromised malaria treatments to the growing threat of antimicrobial resistance, falsified medicines are costing lives, undermining trust in health systems, and fuelling organised criminal networks that exploit regulatory gaps and weak border controls.In this episode, Foulo Basse explains why rising seizures of counterfeit medicines across African countries may reveal the scale of the problem rather than signal victory. He explores how illicit pharmaceutical trade routes operate across borders, why counterfeit drugs in Africa are increasingly linked to transnational organised crime, and how affordability gaps and weak distribution systems allow illegal markets to thrive.We also examine the policy and legal response. Foulo discusses the importance of the Lomé Initiative, the push for African states to ratify the Medicrime Convention, and the need to criminalise falsified medicines with meaningful enforcement and institutional capacity.What We Discuss With FouloThe true scale of the falsified medicines crisis in Africa and why enforcement statistics may only scratch the surface.Why counterfeit medicines should be treated as organised crime and a national security threat, not only a health issue.How weak pharmaceutical supply chains, high drug prices, and limited access to generics create conditions for illegal drug markets.The role of the Lomé Initiative and the Medicrime Convention in strengthening legislation and criminalising pharmaceutical trafficking.What African governments, regulators, and international partners must prioritise to secure medicine supply chains and protect public health.Did you miss my previous episode where I discuss Building Sustainable Manufacturing in Africa: Bamboo, Sanitation and Circular Supply Chains? Make sure to check it out!Connect with Terser:LinkedIn - Terser AdamuInstagram - unlockingafricaTwitter (X) - @TerserAdamuConnect with Foulo:Website -  www.brazzavillefoundation.orgMany of the businesses unlocking opportunities in Africa don’t do it alone. If you’d like strategic support on entering or expanding across African markets, reach out to our partners ETK Group: [email protected]

Episode 213 with Sander de Klerk, CEO and Founder of The Good Roll, a fast growing ecosystem reshaping the global paper industry through circular production, ethical sourcing, and socially inclusive solutions rooted in Africa.Recently named EY Emerging Entrepreneur of the Year 2024, Sander is building far more than a sustainable consumer brand. What began as The Good Roll, producing tree friendly toilet paper from recycled paper, has evolved into a fully integrated value chain anchored in Ghana. At the heart of the model is bamboo pulp production, working with thousands of farmers and creating hundreds of jobs while supplying sustainable raw materials to producers across Africa and Europe.Sander explains how The Good Roll is challenging traditional extractive trade models by retaining value at source and positioning Africa as a serious player in global manufacturing. From building production capacity in Ghana to connecting African processing with European markets, he shares the realities of scaling industry across continents. We explore why sanitation must be viewed not only as a public health issue but as a foundational economic priority, and how sustainability can move from being perceived as a cost to becoming a competitive growth strategy.What We Discuss With SanderThe future of Africa in global manufacturing and how circular production models can increase value retention on the continent.The commercial case for bamboo as a scalable industrial input in sustainable packaging and paper production.How sanitation infrastructure links directly to economic participation and workforce productivity.Designing impact driven businesses that balance ESG commitments with profitability and investor confidence.New financing pathways for African industrial ventures beyond traditional bank lending.Did you miss my previous episode where I discuss How Africa Can Become a Global Remote Work Hub: AI, Employer of Record & The Future of Work? Make sure to check it out!Connect with Terser:LinkedIn - Terser AdamuInstagram - unlockingafricaTwitter (X) - @TerserAdamuConnect with Sander:LinkedIn - Sander de Klerk and Talenteum.com / The Good Roll | B CorpWebsite -  thegoodroll.co.ukMany of the businesses unlocking opportunities in Africa don’t do it alone. If you’d like strategic support on entering or expanding across African markets, reach out to our partners ETK Group: [email protected]

Episode 212 with Nicolas Goldstein, HR Tech entrepreneur and Co Founder of Breedj, an artificial intelligence powered talent marketplace transforming global hiring in Africa. With over fifteen years of experience in international recruitment, outsourcing, Employer of Record services, payroll compliance, and remote workforce management, Nicola joins the Unlocking Africa Podcast to explore how Africa can position itself at the centre of the future of work.Breedj is building the infrastructure for cross border hiring by enabling international companies to source, hire, onboard, and pay African talent in full legal compliance. Through artificial intelligence driven talent matching, Employer of Record solutions, and payroll management across more than sixty five countries, the platform makes hiring remote teams in Africa as seamless as hiring locally.In this episode, Nicolas explains why the real bottleneck in Africa’s participation in the global labour market is not talent shortages, but compliance infrastructure and trust. He discusses how remote work can reduce brain drain without forced migration, how AI can enable economic inclusion rather than displace workers, and why Africa has the potential to become a global remote talent hub.He also reflects on the transition from Talenteum Group to Breedj, highlighting the shift from traditional recruitment to scalable HR tech platforms that combine technology, impact driven hiring, and local regulatory expertise.What We Discuss With NicolasAfrica as a global remote talent hub rather than just a sourcing destination.Why Employer of Record models and compliance infrastructure are critical to scaling cross border hiring in Africa.How artificial intelligence is reshaping recruitment, talent matching, and remote workforce management.Whether remote work can reverse brain drain while driving economic inclusion.What governments, corporates, and founders must do to ensure Africa captures long term value in the future of work.Did you miss my previous episode where I discuss How Diaspora Capital Can Unlock Africa’s Next Generation of Scalable Businesses? Make sure to check it out!Connect with Terser:LinkedIn - Terser AdamuInstagram - unlockingafricaTwitter (X) - @TerserAdamuConnect with Nicolas:LinkedIn - Nicolas Goldstein and Talenteum.com / Breedj Website - Breedj.comMany of the businesses unlocking opportunities in Africa don’t do it alone. If you’d like strategic support on entering or expanding across African markets, reach out to our partners ETK Group: [email protected]

Episode 211 with with Kanessa Muluneh, serial entrepreneur, investor, and founder of Nyle Investment Group, a diaspora focused investment firm connecting global capital with high impact opportunities across Africa. Kanessa exited her first company at 21 and has since spent over a decade building, scaling, investing in, and advising businesses across Africa’s most important growth sectors, including agriculture, manufacturing, technology, and the digital economy.In this episode of the Unlocking Africa Podcast, Kanessa brings a rare founder operator investor perspective to how Africa can unlock sustainable economic growth in the 21st century. She explains why Africa’s economic future will not be driven by technology alone, but by the successful scaling of traditional industries alongside digital innovation. Drawing on her hands on experience, she breaks down what it really takes to build resilient businesses in African markets and why execution, not hype, determines long term success.Kanessa also shares the thinking behind Nyle and the role diaspora capital can play in strengthening Africa’s entrepreneurial pipeline. She discusses how diaspora led investment, when paired with local insight and hands on support, can unlock scalable, profitable businesses. From sitting on both sides of the founder investor table, she offers an unfiltered view of the blind spots that hold founders back and how narrative, visibility, and customer engagement can become powerful drivers of growth.What We Discuss With KanessaKanessa’s journey from exiting her first company at 21 to building and backing ventures across Africa’s traditional and digital sectors.Why Africa’s economic growth depends as much on agriculture, manufacturing, and construction as it does on technology.How diaspora led capital, when deployed with discipline and hands on support, can unlock long term value for founders and investors.Why product alone is never enough and how narrative, visibility, and customer engagement drive commercial growth in emerging markets.The hard realities of scaling across borders and what founders must get right to build resilient, future ready African companies. Did you miss my previous episode where I discuss Building Profitable IT Infrastructure for Global Remote Work From Africa? Make sure to check it out!Connect with Terser:LinkedIn - Terser AdamuInstagram - unlockingafricaTwitter (X) - @TerserAdamuConnect with Kanessa:LinkedIn - Kanessa Muluneh and NyleMany of the businesses unlocking opportunities in Africa don’t do it alone. If you’d like strategic support on entering or expanding across African markets, reach out to our partners ETK Group: [email protected]

Episode 210 with Francis Osifo, Co Founder and CEO of Rayda, a global IT asset lifecycle management platform supporting remote and distributed teams in over 170 countries.As remote work reshapes how companies hire globally, one critical challenge remains under discussed: how businesses actually equip, manage, and retrieve devices for employees across borders. In this episode of the Unlocking Africa Podcast, Francis Osifo explains how Rayda is solving this problem by building the infrastructure that enables global remote work, particularly in emerging markets such as Africa.Francis shares how Rayda has simplified device procurement, onboarding, management, retrieval, and recycling to keep remote teams productive from day one. Drawing on real world execution across Africa, Latin America, and Asia, he explains why operating in complex markets has strengthened Rayda’s product and global competitiveness, and why Africa should be seen as a proving ground for scalable technology rather than a limitation.We also explore Rayda’s journey to sustained profitability, the strategic discipline behind building a venture backed company that prioritises fundamentals, and what African founders can learn about building durable, globally relevant businesses. Francis discusses Rayda’s expansion beyond hardware into software, the dynamics of a market with very few serious global players, and why IT asset lifecycle management is becoming a mission critical layer in the future of work.What We Discuss With FrancisBuilding the infrastructure behind global remote work and why device access is central to Africa’s digital economyExecuting at scale across Africa and how hard markets shape stronger global productsProfitability, sustainability, and the realities of building venture backed businesses in emerging marketsExpanding from hardware into software in an under explored global infrastructure categoryAfrica’s future role in remote work and what must change to unlock long term economic opportunityDid you miss my previous episode where I discuss Bridging Africa’s $100 Billion Trade Finance Gap Through Agribusiness Exports? Make sure to check it out!Connect with Terser:LinkedIn - Terser AdamuInstagram - unlockingafricaTwitter (X) - @TerserAdamuConnect with Francis:LinkedIn - Francis Osifo and RaydaMany of the businesses unlocking opportunities in Africa don’t do it alone. If you’d like strategic support on entering or expanding across African markets, reach out to our partners ETK Group: [email protected]

Episode 209 with Dara Adekunle, Managing Partner and CEO of FARMTIES Capital, an investment firm financing export oriented African agribusinesses and strengthening Africa’s role in global trade.Dara brings deep experience in impact investing, innovative finance, and international trade to this conversation on one of the most critical and under examined constraints to Africa’s economic growth the trade finance gap facing agricultural SMEs.In this episode, we explore why Africa’s challenge is not agricultural production, but the lack of working capital, trade infrastructure, and risk appropriate financing needed to move goods from farms to global markets. Dara explains how FARMTIES Fund I, a 50 million dollar profit sharing trade finance fund, is unlocking capital for export ready agribusinesses across West and East Africa, with strong market linkages to North America and Europe.From blended finance and technical assistance to compliance, traceability, and ESG standards, this conversation breaks down how African SMEs can become bankable, competitive, and scalable in global food markets. Dara also unpacks why gender inclusive and climate resilient value chains are not only good for impact, but essential for long term commercial success.What We Discuss With DaraWhy Africa’s biggest constraint to agribusiness growth is the trade finance gap rather than production capacityHow profit sharing trade finance and blended capital structures can de risk African agricultureTurning compliance, traceability, and ESG requirements into competitive advantages for African exportersThe commercial case for gender inclusive and climate resilient agricultural value chainsWhat founders, investors, and policymakers must change to unlock Africa’s export led growthDid you miss my previous episode where I discuss Financial Inclusion, Entrepreneurship, and How to Build Markets That Work in Africa? Make sure to check it out!Connect with Terser:LinkedIn - Terser AdamuInstagram - unlockingafricaTwitter (X) - @TerserAdamuConnect with Dara:LinkedIn - Oluwadara (Dara) Adekunle and Farmties Capital LimitedMany of the businesses unlocking opportunities in Africa don’t do it alone. If you’d like strategic support on entering or expanding across African markets, reach out to our partners ETK Group: [email protected]