Africa’s unbanked move billions without banks. 💼

Through systems like esusu, stokvels, and tontines, over $20B circulates informally each year, built not on apps or algorithms, but on trust. These are not gaps in the market, they are the market.

Yet as fintechs scale and formal players move in, the question isn’t just how to digitize these systems, it’s how not to dismantle them.

With inflation rising, aid flows tightening, and global capital eyeing the continent, what’s at stake isn’t just access, it’s autonomy.