Bitcoin, Mobile Money and Financial Inclusion in Africa
Bitcoin gives anyone with a phone access to a global, permissionless payment network; Mobile Money gives Africa its everyday wallet. Together — via MoMo›Me — they let value move from anywhere in the world to any Mobile Money wallet, advancing financial inclusion without banks.
The inclusion gap
Many people across Africa are under-banked but have a phone and a Mobile Money wallet. Traditional cross-border rails are slow and expensive, leaving them cut off from global commerce and remittances.
Bitcoin + Mobile Money closes it
Bitcoin and Lightning provide instant, borderless settlement; Mobile Money provides the local last mile. MoMo›Me joins them so a freelancer in Buea or a family in Bamenda can receive global value directly on their wallet.
A growing circular economy
Bitcoin communities across Cameroon, Nigeria, Kenya, Ghana, Uganda and beyond are building local circular economies. Crypto-to-Mobile-Money settlement is the on/off ramp that connects them to everyday spending.
Frequently asked questions
Do recipients need to understand Bitcoin?
No. Recipients receive normal Mobile Money. The Bitcoin and Lightning rails are invisible to them.
Is this only for Cameroon?
MoMo›Me is live in Cameroon and expanding across CEMAC and the wider African continent.
What makes it cheaper than banks?
Bitcoin and Lightning settle directly without correspondent banks or card networks, cutting cost and time on cross-border payments.
Pay Mobile Money instantly
Pay any Mobile Money number with Bitcoin, Lightning or USDT.
Send a payment →