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 Ayotunde
• Africa’s financial system in 2026 and why crypto regulation is a turning point for fintech and digital assets
• Nigeria’s cryptocurrency tax framework and what it means for investors, startups, and financial institutions
• The rise of capital requirements and how regulation could reshape competition in Africa’s crypto and fintech ecosystem
• The impact of the United States 1 percent remittance tax on cross border payments and digital finance
• How crypto, blockchain, and digital assets are evolving from speculation into infrastructure for trade, remittances, and capital formation
Did you miss my previous episode where I discuss How Africa Can Own AI: From Talent to Infrastructure to Global Competitiveness? (https://www.buzzsprout.com/1901592/episodes/18887765) Make sure to check it out!
Connect with Terser:
LinkedIn - Terser Adamu (https://www.linkedin.com/in/terseradamu/)
Instagram - unlockingafrica (https://www.instagram.com/unlockingafrica/)
Twitter (X) - @TerserAdamu (https://twitter.com/TerserAdamu)
Connect with Ayotunde:
LinkedIn - Ayotunde Alabi (https://www.linkedin.com/in/ayotundealabifinanceprofessional/)
Website - www.gebeya.com (https://gebeya.com/)
Many 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:
www.etkgroup.co.uk (https://www.etkgroup.co.uk/)
info@etkgroup.co.uk (mailto: info@etkgroup.co.uk)