The Human Story of “Project Mocha x ElementPay — Mohamed & Joe’s Story“ by Mohamed Ajuang on Medium. A journey of building real infrastructure for real people, one step at a time. medium.com/@ajuang.mohamed/p… We are like the Light of the World. A town on a hill cannot remain hidden.

When you compare @FinnaHQ with other platforms operating in Nigeria’s crypto and payments space, the difference becomes clear: most competitors specialize in one layer of the stack, while Finna integrates the full experience. ➜ Platforms like Flutterwave – focuses on merchant payments and FX settlement, not retail stablecoin usage. ➜ Bitget Wallet – mainly stores and off-ramps crypto, lacks full fiat conversion and loan features. ➜ Yellow Card – buys and sells stablecoins across Africa, but doesn’t offer spending, P2P transfers, or loans like Finna. ➜ Infrastructure providers like Paychant and ElementPay power fiat rails behind the scenes but do not offer consumer-facing financial ecosystems. Finna, by contrast, combines instant Naira-stablecoin swaps, direct bank transfers, crypto-backed Naira loans, social username payments, and low-cost on-chain transactions powered by Solana, all within a single retail-focused app designed to make stablecoins function like practical, everyday money.

Stablecoin adoption across Africa is rising fast but real-world usage is still lagging. Recent research shows nearly 80% of users in major African markets already hold stablecoins, yet only about 6% of transactions are used for everyday payments. The message is clear: demand is here, but the infrastructure connecting stablecoins to real-world money movement is still catching up. At ElementPay, we’re focused on building the rails that close this gap across African markets. The next phase of adoption will be driven by infrastructure.

Not to mention a business operating across Kenya, Uganda, and Tanzania has to juggle multiple banks, currencies, and regulatory frameworks. So it’s not just the FX losses and high fees it’s the operational headache: fragmented accounts, manual reconciliation, and trapped liquidity. At @elementpay, stablecoin powered rails solve this by introducing a single settlement layer, with local currencies handled only at the edges. One balance/currency, transparent pricing, near-instant settlement making regional trade feel like one market, not three

Most businesses don’t have a crypto problem. They have a payment problem. ElementPay is a simple way for businesses to send and receive stablecoin payments without changing how they already operate. If you’re a business owner who: Pays suppliers across borders Gets paid by customers online Loses money to delays, bank charges, or unreliable rails ElementPay helps you move money faster, cheaper, and more reliably. No crypto knowledge needed. No complicated setup.

$194.8T moves across borders every year , that’s global fiat payments. Meanwhile, stablecoins transferred $27.6 T on-chain in 2024, beating Visa Mastercard combined. The demand is massive. The missing piece isn’t adoption it’s the rails between fiat systems and stablecoin settlement. Build that bridge and global commerce finally flows at internet speed. That’s what ElementPay is focused on.

ElementPay goes beyond crypto-native use cases. Our API enables any business to accept or send stablecoin payments from traditional Web2 platforms to full Web3 products. With a simple dashboard, secure backend, and a dedicated developer console for managing integrations and tracking transactions, ElementPay helps teams move faster and scale securely.

We’ve officially applied to the @XFounders_camp Pitch & Raise 🚀 ElementPay is building next-generation payment infrastructure for Africa programmable, interoperable rails that connect African markets to the global digital economy. Excited to pitch live, engage with investors, and showcase how we’re building the rails for Africa’s participation in global finance. #XFoundersPitchAndRaise #ElementPay #AfricanInfrastructure #Web3Africa #Fintech

I came across this and it really puts things into perspective. “1 Iranian Rial = €0.00.” That’s what happens when a currency loses trust. For millions of people around the world, their hard-earned money is slowly erased by inflation, bad policy, and broken financial systems. They work, they save but the value keeps disappearing. This is why crypto and stablecoins exist. Stablecoins are tied to strong global currencies. They don’t get printed into nothing. They move instantly, across borders, without permission. At ElementPay, we’re building the infrastructure that lets people in Africa and beyond store, move, and use stable digital money so their effort keeps its value, no matter where they live. Money should protect your future, not destroy it.

It’s Friday again 😎🎉 Time to pay, send, and move money the smart way with ElementPay 💜 From crypto to KES in seconds — no stress, just vibes. Try it out 👉 dapp.elementpay.net 🚀

Africa builds in real time. Ideas, services, and products move across borders every day. Money should move the same way. But too often, payments pause waiting on P2P releases, manual confirmations, and slow offramps. While value travels instantly, cash gets stuck. Stablecoins solved how money moves. ElementPay solves where it lands. With instant onramps and offramps, stablecoins flow directly into local banks and mobile money across Africa no middlemen, no waiting, no friction. Just clean, reliable settlement built for businesses that operate beyond borders. This is cross-border payments the way Africa actually works.

Every new year starts with plans. Grow revenue. Reach new markets. Fix what slowed you down last year. If payments were part of that friction, ElementPay is here to help you do it better this time.

New year, same mission. ElementPay is focused on connecting Africa to the global economy by building reliable payment infrastructure across TradFi and stablecoins. Let’s build 2026 together. ✨

This year, you built. You shipped features. You crossed borders. While others wrapped gifts, you wrapped APIs. This Christmas, we celebrate the builders moving value across Africa and beyond faster, simpler, and smarter. And in the New Year, we’re doubling down on one thing: making global payments feel local. From USDC & USDT → KES & NGN, ElementPay has your back. 🎄 Merry Christmas 🚀 Onward to a bigger 2026

The fastest way to go global isn’t choosing between traditional payments or stablecoins. It’s offering both. ElementPay lets your users pay how they want, while we handle the swaps and settlement in the background. You focus on growth. The infrastructure just works.

ElementPay 💸 @element_pay is a stablecoin payments platform that lets users and businesses spend and off-ramp USDC directly to mobile money and bank accounts across Africa, bringing real-world utility to Lisk’s payments ecosystem. elementpay.net/

Good conversations move products forward. Our CTO @AlyMtsumi represented ElementPay at the Final Block Party by @ayahq_ × @LiskHQ Builder Hub, learning alongside builders tackling real problems in Web3 and payments. Grateful for the perspective.

You don’t need to be a blockchain expert to integrate stablecoin payouts. ElementPay abstracts the complexity, so you can ship faster and focus on building your product.

When big companies get stuck you know the system’s broken. Last year, @KenyaAirways revealed that over KES 1.5 billion is frozen in Ethiopia because of foreign-exchange restrictions and weak cross-border payment infrastructure. If it can happen to an airline, it can happen to any business: small shops, freelancers, merchants anyone trying to trade across borders. That’s why at ElementPay, we’re building rails that don’t freeze. Stablecoins. Instant settlement. No dependency on local forex regimes. For Africa to trade as one economy money must flow like it. #ElementPay #CrossBorderPayments #FintechAfrica #DigitalTrade

The energy we use to support innovators outside the continent, should we be intentional: seeing value as the key denominator to support our own builders for our collective win, we won’t need to struggle for anything. Yes, we are not there yet, but if we don’t support its humble beginnings, we won’t see it mature. I am a long-term player; history anywhere favours societies that accept their own and willingly support their own. There is nothing wrong with us being biased for our own dreamers by being loud about their grind. The Chinese built: Alibaba, Tencent, Huawei, Binance, Bybit, etc Americans built: Meta, Coinbase, Uniswap, X, Cashapp, etc Indians built: Polygon, Zoho, etc Africans are building: Assetchain, DigitPay, ElementPay, HuruPay, Payd, Azza, iexchange, LearnWay, Project Mocha, Clapmi, DexPay, QuickDB, etc. Let’s mobilise, no matter where you come from in Africa, and back these dreamers with our little support, that is how we change the narrative and the script! Love Africa and support Africa, the world would have no option but to pay attention and shift the unconscious bias towards the builder ecosystem of this land of limitless possibilities. #thehumanlayer