David Brouwer

Chris Maurice, CEO of Yellow Card, a prominent pan-Africa stablecoin payment fintech, says "the need to send money across borders in Africa is a lot more prevelant [in Africa]... and stablecoins cut out some much complexities in the transactions. You don't need to go from Kenya to New York to South Africa." Yellow Card recently partnered with Visa to explore stablecoin use cases in Africa. A key focus is leveraging Visa Direct to expand cross-border payment options and treasury operations. Visa Direct is Visa’s real-time push payments product, enabling funds to move from bank accounts, wallets, or cards directly into a Visa card, bank account, or wallet. With its stablecoin integration, fintechs and remittance platforms can fund transfers in stablecoins, while Visa handles the “last mile”—pushing funds into user accounts and settling net positions with banks or wallets in stablecoins. The result: payers on Visa’s global network—including those in the U.S.—can send funds to African businesses 24/7 using stablecoins, without cut-off times and with far fewer intermediaries. Stablecoin [asset] + Card Network [Visa/Mastercard] + Local Stablecoin Player = 24/7 USD stablecoin payments on card networks without correspondent banking ✅ Want learn more about business of digital assets and tokenization? Join 20,000+ readers at Tokenization Insight to get the latest market insights 👉 https://lnkd.in/eCZyphum

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💰 𝗕𝗥𝗘𝗔𝗞𝗜𝗡𝗚: 𝗞𝗲𝗻𝘆𝗮𝗻𝘀 𝗺𝗼𝘃𝗲𝗱 $𝟰𝟮𝟲 𝗯𝗶𝗹𝗹𝗶𝗼𝗻 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘀𝘁𝗮𝗯𝗹𝗲𝗰𝗼𝗶𝗻𝘀 𝗶𝗻 𝗷𝘂𝘀𝘁 𝗼𝗻𝗲 𝘆𝗲𝗮𝗿 - 𝘁𝗵𝗮𝘁'𝘀 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝗺𝗮𝗻𝘆 𝗰𝗼𝘂𝗻𝘁𝗿𝗶𝗲𝘀' 𝗲𝗻𝘁𝗶𝗿𝗲 𝗚𝗗𝗣! While African governments debate CBDCs, the market has already chosen its winner. Here's why stablecoins are reshaping African finance: 🔥 𝗧𝗵𝗲 𝗡𝘂𝗺𝗯𝗲𝗿𝘀 𝗗𝗼𝗻'𝘁 𝗟𝗶𝗲: - 43% of Africa's crypto transactions are now stablecoins - Nigeria: $22B in stablecoin volume  - South Africa: 50% monthly growth - Corporate adoption up 25% in 2024 💸 𝗧𝗵𝗲 𝗣𝗿𝗼𝗯𝗹𝗲𝗺 𝗦𝘁𝗮𝗯𝗹𝗲𝗰𝗼𝗶𝗻𝘀 𝗦𝗼𝗹𝘃𝗲: - Remittance costs in Africa: 8.4% (vs 3% UN target) - Nigerian Naira collapsed from 430 to 1,700 per USD - Cross-border payments taking days, not minutes 📱 𝗧𝗵𝗲 𝗠-𝗣𝗲𝘀𝗮 + 𝗦𝘁𝗮𝗯𝗹𝗲𝗰𝗼𝗶𝗻 𝗥𝗲𝘃𝗼𝗹𝘂𝘁𝗶𝗼𝗻: Imagine M-Pesa's simplicity with global reach. That's happening NOW with stablecoin integration, offering: ✅ Instant cross-border transfers ✅ Protection from currency volatility   ✅ 70% lower remittance costs ✅ 24/7 accessibility 🏦 𝗪𝗵𝘆 𝗖𝗕𝗗𝗖𝘀 𝗔𝗿𝗲 𝗦𝘁𝗿𝘂𝗴𝗴𝗹𝗶𝗻𝗴: - Nigeria's eNaira: Limited adoption after 3 years - Ghana's eCedi: Still in pilot after 5 years - Government infrastructure vs market innovation speed 🌍 𝗧𝗵𝗲 𝗕𝗶𝗴𝗴𝗲𝗿 𝗣𝗶𝗰𝘁𝘂𝗿𝗲: Stablecoins aren't just digital money - they're financial sovereignty for everyday Africans. While policymakers plan, entrepreneurs deliver. 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆: Are stablecoins the ultimate expression of African financial innovation, or do we still need government-backed digital currencies? What's your take on this digital currency revolution? 👇 #AfricanFintech #Stablecoins #CBDC #DigitalCurrency #MPesa #CrossBorderPayments #FinancialInclusion #AliTalksTech

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I researched the main global stablecoin corridors, volumes moved and key companies involved (breakdown per country and company): >>> Top corridors by volume: U.S. to Mexico leads with projected $11.8 billion annual volume. U.S. to Nigeria remittance corridor handles about $6.5 billion. EU to Turkey sees $7.6 billion in business and remittance transfers. Latin America intra-regional flows aggregate $12 billion. >>> USDT and USDC are the dominant stablecoins globally: USDT leads in Nigeria, Brazil, Argentina, Mexico, and Turkey for remittances and savings. USDC is preferred in the U.S., Europe, Brazil, and institutional corridors. Local stablecoins like TRY (Turkey) and SGD (Singapore) start to emerge but remain secondary. >>> Major companies serving corridors: BVNK: Leading in Latin America, Africa, and Asia B2B payments and treasury management ($15 billion+ volume). Circle Integrates with Brazil’s PIX and Mexico’s SPEI, supporting $10 billion+ annual volume. Orbital, Triple-A: Focus on emerging markets providing payments infrastructure. Bitso, Anchorpoint: Specialist in corridors involving Turkey, Nigeria, and Asia-Pacific. >>> Stablecoin adoption rates x country Nigeria: 47% adult crypto use, mostly stablecoins. Argentina: 2–3% of population active stablecoin users due to hyperinflation. Brazil, Mexico, Turkey: High stablecoin usage for remittance and business payments. Southeast Asia and Western Europe show growing but varied adoption. - Data from FXC Intelligence, AInvest, Fireblocks, Chainalysis, Statista, McKinsey & Company. — ❇️ Share it if you find it valuable, comment with your thoughts and follow to keep learning about stablecoins and the future of e-money.

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It's finally out! 🎉 🔎 Today we published our latest research article called "Beyond Reserves: Linking Blockchain Performance to Stablecoin Stability" in collaboration with TRON DAO. 🙌 🔎 Stablecoins are foundational to DeFi, trading, and payments, yet peg reliability remains under scrutiny. Periodic deviations continue to raise questions about the resilience of issuers and the full set of factors underpinning peg maintenance. 💡 Particula’s latest research moves beyond issuer reserves to evaluate how blockchain performance metrics - such as throughput, latency, and finality - relate to peg stability. The study examines eight major networks and focuses on Circle's USD Coin (USDC) and Tether.io's (USDT) over the period January 1, 2022 to July 31, 2025. Big thanks to our analysts Paweł Borowski and Jeeta Ann Chacko for doing all of the research and for writing such an insightful report! In a world where we have more and more AI generated content - I hope you all appreciate the effort we always put into our reports. 🤗 #stablecoins #tokenization #pegstability #USDCoin #tether #particula #tron Yong Yi T. Yeweon Park William Hess H.E. Justin Sun

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Everyone talks about Ethereum’s direct impact — DeFi, ETH as a token, NFTs, staking, and smart contracts. But we dont talk about its indirect impact, especially on young people like Onome — who are able to learn, build, and earn because of the tools Ethereum has enabled or inspired. Ethereum isn’t just a blockchain. It’s a catalyst. It has inspired: Developers learning Solidity and building open protocols Founders launching decentralized tools for real-world use Researchers experimenting with ZKSync, optimistic rollups, and zero-knowledge proofs DAOs redefining how communities coordinate A generation obsessed with transparency, trustlessness, and permissionless innovation And this is only scratching the surface: ▪️ A dozen client teams. ▪️ 12,000+ nodes. ▪️ Thousands of developers. ▪️ A DeFi ecosystem bigger than all others combined. ▪️ The Merge. ▪️ Adoption by Visa, BlackRock, Sony, UBS... Ethereum isn’t just tech. It’s a philosophy — a belief in a world where value can be freely transmitted, where no one can stop you from creating, sharing, or innovating. 10 years of Ethereum. More decades to come. If you want to learn more about how Ethereum is supporting builders like Onome (and me :), and helping people turn curiosity into a career. Ethereum Nigeria EthereumEthereum East Africa Community Dr Anino Emuwa Ese Monday

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My piece on ​​Blockchain-based identity aired a couple days ago on CoinTelegraph and it was an extensive rundown because AI did not just change hiring but it broke the very signals we trusted. In 2023 LinkedIn reported over 45% of cover letters were written with AI help. & by 2025 AI-powered “auto apply” tools can push out 1000 tailored applications in under an hour. For employers that means inboxes flooded with flawless prose but if every application reads like McKinsey wrote it then none stand out. The result is noise disguised as signal. This is not the first time trust collapsed. Degrees once guaranteed skill then credential inflation diluted the promise and references once reassured then they became HR formalities. AI is simply accelerating a long decay. What we are watching is not about hiring alone but it is about how society decides who is credible when words are cheap. Onchain credentials offer a reset. Instead of “trust me,” we shift to “prove it.” Imagine hiring that starts not with claims but with receipts: a) A smart contract confirming project delivery. b) A course NFT issued directly by a university wallet. c) Git commits signed to your identity. The future of work will be less about who sounds good and more about who can prove they have built. We are moving from essays to ledgers and that shift will define not just hiring, but reputation in every domain.

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Stripe just quietly moved into blockchain … and it’s not a side hustle. Full read on comments 👇 in stealth mode, Stripe is building a payments-focused Layer 1 chain called 'Tempo'... with Paradigm as a partner. The goal? → High-performance stablecoin settlements → and direct crypto-fiat bridges → making transactions for card issuers faster and cheaper than ever. sources say it will be Ethereum-compatible. What’s interesting… Stripe already acquired Bridge, which launched its own rails. My easy summary: Stripe is stacking multiple infrastructures to dominate crypto payments. 🚨 OTHER NEWS 🚨 → Zodia Markets raised $18.25M to expand stablecoin flows & trading → Paxos is adding #USDG, #PYUSD, #EURC, Stellar, and Avalanche to enhance stablecoin utility. → Hong Kong’s Stablecoin Ordinance is now live, requiring licensing and full reserve backing for fiat-pegged issuers. → SEC just approved in-kind creation/redemption for crypto ETPs. Full read below: 👇

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While most of crypto chases hype, stablecoins follow crisis: 📍 Iran +600% 📍 Nigeria +250% Check out this insight and more in the State of Stabelcoin report by Messari in collaboration with Addressable.io 👇

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🔒 Privacy is not optional in Web3 👉 Blockchains are transparent by design. That’s great for accountability — but it also means sensitive financial, corporate, or government transactions are exposed by default. Without strong privacy, adoption will always be limited. 💡 This is where cryptography steps in. Tools like: ☑️ zk-SNARKs, ☑️ STARKs, ☑️ Bulletproofs, ☑️ ring signatures, and ☑️ TEEs allow us to prove correctness without exposing private data. Or as I like to say: the proof is in the pudding. ✍ I wrote an article breaking down these technologies in clear, non-technical language — and exploring how protocols like Zcash, Monero, StarkNet, Oasis, Mina, and Cardano Midnight are experimenting with privacy today. Read more in my new article 👇 Would love to hear your thoughts: how important is privacy for the next wave of Web3 adoption? #Web3 #Privacy #Blockchain #Cryptography #ZeroKnowledge

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