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BitKE is a leading crypto and Web3 focussed media outlet in Africa publishing daily informative and investment news and content.
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HAPPY 2026 | 🎇 アフリカテックサミットナイロビ2026は2026年2月11日〜12日に開催予定です。 アフリカを代表するフィンテックおよび暗号資産企業のチームやスピーカーとお会いいただけます。 * Binance(世界最大の暗号資産取引所) * VALR(南アフリカを代表する暗号資産取引所) * XYO(アフリカで最大のDePINプロジェクトで、60万以上のノードを有する) * Cardano Foundation(世界トップ10のブロックチェーンエコシステム) * Bitnob(アフリカのビットコインおよびステーブルコイン決済インフラ) * Norrsken 22(アフリカのスタートアップに投資するVC) * Moniepoint(ナイジェリアを代表するフィンテック企業) * 国際貿易センター * ロンドン証券取引所 * Tala(ケニアを代表するクレジットおよび貯蓄アプリで、800万人以上のユーザーを有する) その他多数 チケット10%割引のコード:BitcoinKE10 リンク:https://www.africatechsummit.com/nairobi/register/ #ATSNBO #AfricaTechSummit2026 #AfricaTechSummit
HAPPY 2026 | 🎇

アフリカテックサミットナイロビ2026は2026年2月11日〜12日に開催予定です。

アフリカを代表するフィンテックおよび暗号資産企業のチームやスピーカーとお会いいただけます。

* Binance(世界最大の暗号資産取引所)
* VALR(南アフリカを代表する暗号資産取引所)
* XYO(アフリカで最大のDePINプロジェクトで、60万以上のノードを有する)
* Cardano Foundation(世界トップ10のブロックチェーンエコシステム)
* Bitnob(アフリカのビットコインおよびステーブルコイン決済インフラ)
* Norrsken 22(アフリカのスタートアップに投資するVC)
* Moniepoint(ナイジェリアを代表するフィンテック企業)
* 国際貿易センター
* ロンドン証券取引所
* Tala(ケニアを代表するクレジットおよび貯蓄アプリで、800万人以上のユーザーを有する)

その他多数

チケット10%割引のコード:BitcoinKE10

リンク:https://www.africatechsummit.com/nairobi/register/

#ATSNBO #AfricaTechSummit2026 #AfricaTechSummit
トークン化 | XRPレジャーがリアルワールドアセットにおいてSolanaを追い越し、機関投資家の関与を示唆するXRPレジャー(XRPL)は、最近、リアルワールドアセット(RWA)トークン化市場において、重要な指標でSolanaを上回り、クリプトエコシステム内の機関活動における顕著な変化を示しています。 RWA.xyzからのオンチェーンデータによると、XRPLは過去1ヶ月間において、ステーブルコインを除くと、Solanaよりも高い総RWA価値を示しています。   データが示すもの 総RWA価値:XRPLは約17.56億ドルのオンチェーンのリアルワールドアセット(ステーブルコインを除く)を記録し、Solanaの約16.82億ドルと比較されます。

トークン化 | XRPレジャーがリアルワールドアセットにおいてSolanaを追い越し、機関投資家の関与を示唆する

XRPレジャー(XRPL)は、最近、リアルワールドアセット(RWA)トークン化市場において、重要な指標でSolanaを上回り、クリプトエコシステム内の機関活動における顕著な変化を示しています。

RWA.xyzからのオンチェーンデータによると、XRPLは過去1ヶ月間において、ステーブルコインを除くと、Solanaよりも高い総RWA価値を示しています。

 

データが示すもの

総RWA価値:XRPLは約17.56億ドルのオンチェーンのリアルワールドアセット(ステーブルコインを除く)を記録し、Solanaの約16.82億ドルと比較されます。
2025年の振り返り | 2025年における暗号関連の人身売買支払いが85%増加、ステーブルコインに支配される...暗号通貨が人身売買を助長する役割は2025年に急激に増加し、疑わしい売買ネットワークに関連する支払いが前年から85%増加したと、ブロックチェーン分析会社Chainalysisが発表した2026年の暗号犯罪報告書による。 Chainalysisは、昨年、数億ドルの暗号通貨が人身売買に関連するサービスにルートされたことを発見し、前年から著しく増加しました。これらのフローには、次のような支払いが含まれていました: テレグラムを利用した国際的なエスコートサービス

2025年の振り返り | 2025年における暗号関連の人身売買支払いが85%増加、ステーブルコインに支配される...

暗号通貨が人身売買を助長する役割は2025年に急激に増加し、疑わしい売買ネットワークに関連する支払いが前年から85%増加したと、ブロックチェーン分析会社Chainalysisが発表した2026年の暗号犯罪報告書による。

Chainalysisは、昨年、数億ドルの暗号通貨が人身売買に関連するサービスにルートされたことを発見し、前年から著しく増加しました。これらのフローには、次のような支払いが含まれていました:

テレグラムを利用した国際的なエスコートサービス
LIST | CFTC委員会の一部として発表された役員 2026年2月12日、米国商品先物取引委員会(CFTC)は、新たに設立されたイノベーションアドバイザリー委員会(IAC)のメンバーを正式に発表しました。これは、革新的な技術分野と伝統的な金融からのリーダーを集めた35人の団体で、規制当局に市場におけるイノベーションに関する助言を行います。 アドバイザリーエンゲージメントの戦略的シフト CFTCの議長マイケル・S・セリグが後援するIACは、機関の以前の技術アドバイザリー委員会に代わるものです。 その任務は、ブロックチェーン、デジタル資産、人工知能を含む画期的な技術の進展が金融市場をどのように再形成しているかについて、委員会が委員会に洞察を提供することです。委員会の役割は実用的で前向きです。メンバーはCFTCの政策が市場の進化に追いつき、現実の商業的および技術的発展を反映することを確実にするのを助けます。

LIST | CFTC委員会の一部として発表された役員



2026年2月12日、米国商品先物取引委員会(CFTC)は、新たに設立されたイノベーションアドバイザリー委員会(IAC)のメンバーを正式に発表しました。これは、革新的な技術分野と伝統的な金融からのリーダーを集めた35人の団体で、規制当局に市場におけるイノベーションに関する助言を行います。



アドバイザリーエンゲージメントの戦略的シフト

CFTCの議長マイケル・S・セリグが後援するIACは、機関の以前の技術アドバイザリー委員会に代わるものです。

その任務は、ブロックチェーン、デジタル資産、人工知能を含む画期的な技術の進展が金融市場をどのように再形成しているかについて、委員会が委員会に洞察を提供することです。委員会の役割は実用的で前向きです。メンバーはCFTCの政策が市場の進化に追いつき、現実の商業的および技術的発展を反映することを確実にするのを助けます。
プレスリリース | アフリカのフィンテック大手Onafriq、Conduitと提携しステーブルコインを有効化Onafriqは、40か国以上で運営されるアフリカ全域のフィンテック企業で、ドルペッグトークンを使用する国境を越えた決済会社Conduitと戦略的パートナーシップを結び、同社が流動性を管理し、海外での支払いを実行する方法を変革することを目指しています。 2026年のアフリカテックサミットで発表されたこの合意により、OnafriqはUSDCステーブルコインを活用できるようになります。 資金アカウント、 財務を再調整し、 支払いを行う 従来の銀行振込がクリアリングに数日かかる市場で。

プレスリリース | アフリカのフィンテック大手Onafriq、Conduitと提携しステーブルコインを有効化

Onafriqは、40か国以上で運営されるアフリカ全域のフィンテック企業で、ドルペッグトークンを使用する国境を越えた決済会社Conduitと戦略的パートナーシップを結び、同社が流動性を管理し、海外での支払いを実行する方法を変革することを目指しています。

2026年のアフリカテックサミットで発表されたこの合意により、OnafriqはUSDCステーブルコインを活用できるようになります。

資金アカウント、

財務を再調整し、

支払いを行う

従来の銀行振込がクリアリングに数日かかる市場で。
プレスリリース | DeelがMoonPayと提携し、グローバルな労働者向けにステーブルコイン給与支払いを可能にしますMoonPayは、世界的な暗号通貨決済とステーブルコインインフラの主要プロバイダーであり、包括的なグローバル給与およびHRプラットフォームであるDeelとの戦略的パートナーシップを発表しました。この協力により、世界中の労働者に対するステーブルコインの給与支払いオプションが拡大し、従業員は給与を受け取るための迅速かつ柔軟な方法を得ることができます。 最新 |@deel と @moonpay が提携し、40,000以上のビジネス向けに #ステーブルコイン 支払いを可能にします ‘給料を受け取ることは仕事の中で最も簡単な部分であるべきだ。’ pic.twitter.com/mJziKMqlkQ

プレスリリース | DeelがMoonPayと提携し、グローバルな労働者向けにステーブルコイン給与支払いを可能にします

MoonPayは、世界的な暗号通貨決済とステーブルコインインフラの主要プロバイダーであり、包括的なグローバル給与およびHRプラットフォームであるDeelとの戦略的パートナーシップを発表しました。この協力により、世界中の労働者に対するステーブルコインの給与支払いオプションが拡大し、従業員は給与を受け取るための迅速かつ柔軟な方法を得ることができます。

最新 |@deel と @moonpay が提携し、40,000以上のビジネス向けに #ステーブルコイン 支払いを可能にします

‘給料を受け取ることは仕事の中で最も簡単な部分であるべきだ。’ pic.twitter.com/mJziKMqlkQ
ステーブルコイン | アフリカが最高のステーブルコイン換算スプレッドを記録、2026年1月のデータを示す決済インフラプロバイダー、Borderless.xyzからの新しいデータによると、アフリカは2026年1月において、66の通貨コリドーにわたる約94,000のレート観測に基づいて、世界の地域の中で最高の中央値のステーブルコインから法定通貨への換算スプレッドを持っていました。 アフリカにおけるステーブルコインの換算に関する地域の中央値スプレッドは299ベーシスポイント(約3%)で、ラテンアメリカの約1.3%やアジアの0.07%を大きく上回っています。大陸内では、換算コストは南アフリカの約1.5%からボツワナのほぼ19.5%まで大きく異なりました。

ステーブルコイン | アフリカが最高のステーブルコイン換算スプレッドを記録、2026年1月のデータを示す

決済インフラプロバイダー、Borderless.xyzからの新しいデータによると、アフリカは2026年1月において、66の通貨コリドーにわたる約94,000のレート観測に基づいて、世界の地域の中で最高の中央値のステーブルコインから法定通貨への換算スプレッドを持っていました。

アフリカにおけるステーブルコインの換算に関する地域の中央値スプレッドは299ベーシスポイント(約3%)で、ラテンアメリカの約1.3%やアジアの0.07%を大きく上回っています。大陸内では、換算コストは南アフリカの約1.5%からボツワナのほぼ19.5%まで大きく異なりました。
マイルストーン | ナイジェリアの外貨準備高が約500億ドルに上昇し、為替レートを狭めるナイジェリアの外部外貨準備高は、2026年2月5日現在で約490億ドルに上昇したと、ナイジェリア中央銀行(CBN)の総裁オライェミ・カルドソが述べています。 増加は、以前の水準から約4.9%の増加を示しており、ナイジェリアの外部ポジションのより広範な強化と経済への再信頼を強調しています。 政策改革の中での準備金の回復 カルドソ総督は、ナイジェリアのアブジャで開催された国家経済評議会(NEC)会議中に数字を発表しました。彼は、現在のリーダーシップが最高銀行を掌握したとき、ナイジェリアの純外貨準備高は「約30億ドルであった」と指摘し、過去数ヶ月の積み上げの規模を強調しました。

マイルストーン | ナイジェリアの外貨準備高が約500億ドルに上昇し、為替レートを狭める

ナイジェリアの外部外貨準備高は、2026年2月5日現在で約490億ドルに上昇したと、ナイジェリア中央銀行(CBN)の総裁オライェミ・カルドソが述べています。

増加は、以前の水準から約4.9%の増加を示しており、ナイジェリアの外部ポジションのより広範な強化と経済への再信頼を強調しています。



政策改革の中での準備金の回復

カルドソ総督は、ナイジェリアのアブジャで開催された国家経済評議会(NEC)会議中に数字を発表しました。彼は、現在のリーダーシップが最高銀行を掌握したとき、ナイジェリアの純外貨準備高は「約30億ドルであった」と指摘し、過去数ヶ月の積み上げの規模を強調しました。
翻訳参照
STABLECOINS | ‘We’re Building Using Fiat Infrastructure Powered By Stablecoins,’ Says CEO, Flutte...The CEO of Flutterwave, Olugbenga ‘GB’ Agboola, has spoken about the company’s latest move to build stablecoin rails on top of its existing and compliant fiat rails. Speaking at the 2026 World Economic Forum in Davos, GB said stablecoins speed up settlement times and in turn enables more turnaround and trade opportunity across the entire sales cycle.   Explaining how stablecoins work, GB said: “Money doesn’t actually move, instruction moves, and when you use blockchain to move that instruction, you are creating a transparent way to move money without sacrificing the fiat guard rails.  What it literally does is make it easier and quicker to move money especially in emerging markets where money movement is very very key dependent for growth in the economy.” FINTECH AFRICA | ‘Stablecoin Adoption Has the Potential to 10x the Volumes We’re Currently Doing,’ Says CEO, Flutterwave Being the most licensed non-bank fiat company in Africa and operational over the last 10 years, GB explained that the introduction of stablecoins does not change the company’s operations. “When it comes to stablecoins, nothing is changing in our customer experience. You want to send money from Nigeria to South Africa or the United States, nothing is changing.  What is changing is under the hood. We’re making it quicker and faster to move that money from the send to the business via stablecoin rails, via USDC, which is regulated, backed by the dollar, and just makes its quicker and faster. Unlike most FIs [financial institutions] in the world, in Africa, you need a correspond bank first in order to move money via SWIFT rails. This takes away all that complexity and makes it simpler for money to move quicker yet with the entire infrastructure that guards money movement globally right now.” ICYMI: Last week, Africa’s largest start-up and payments giant @theflutterwave – valued at $3bn – showcased their $USDC merchant settlement solution built on #Hedera with support from @The_Hashgraph Association’s #Hashgraph Enterprise Program.@BitcoinKE:https://t.co/FsNoYQHCpS — Hedera (@hedera) October 9, 2023 The Send App Stablecoin Play Giving an example of PayDay, GB said the company is enabling Nigerian engineers to be paid via stablecoins on Flutterwave. GB also talked about the Send App consumer app and how the company is building the stablecoin backend infrastructure enabling the money to move in seconds. STABLECOINS | Leading African Fintech, Flutterwave, Selects TurnKey to Power Verifiable Stablecoin Wallets Across Africa Speaking on the costs, GB said: “If you’re doing B2B payments, you can pay as low as 0.5% for example, compared to before through maybe a different rail which could be as high as 1.5%. So there’s a lot of cost savings in there and yet a lot more efficiency as an entire infrastructure.” PRESS RELEASE | Flutterwave Collaborates with Polygon as an Infrastructure Partner for Stablecoin Payments Across Africa When asked about the broader fintech space in Africa, GB highlighted products like PiggyVest and Bamboo for savings and investment which are solving real problems in Africa. 2025 RECAP | Nigerian Fintech, PiggyVest, Reports Highest-Ever Annual Payouts and Surpasses 6 Million Users in 2025 When it comes to VC investments, GB provided some valuable insights for anyone looking at Africa. “I think being able to understand emerging markets is very key. You have to also have an interest in emerging markets, not just deploying dollars and stepping back.  Startups need growth partners and investors, not just checks. Check are key, but beyond the checks, how do you help us to growth from Series A to Series B? How do we grow go-to market? How do you elp us to scale compliance?  All of tht skill set helps a lot to actually help to grow to the next level as well.”   Speaking on the next 5 years, GB said: “I think in the next five years, stablecoins will become so entrenched in the entire global financial infrastructure. We will see stablecoins that are even backed by non-US currencies over time. For example, if you want to tokenize the Naira, it doesn’t have to leave Nigeria for that to happen. It can happen in Nigeria for Nigeria. So, we will start seeing a lot of local stablecoins plays happening across each country and you will see a lot of companies issues their own stablecoins because now its democratized and bring the entire infra on-chain helping them become more efficient, save more money and also create more efficient treasury plays which were not possible before. So in five years there will be a lot more companies having their own stablecoins and they can use that to meet at some point for acceptance.” INTRODUCING | Africa’s First Regulated Stablecoin, the Nigerian Naira-Pegged Stablecoin, $cNGN, Goes Live on Local Nigerian Exchanges When it comes to consumer usage, GB opined: “I think the apps we use will still remain the apps we use. The underlying hood will change. So you like Venmo, you like PayPal, you like Cash App, that’s fine, but behind the scene you’ll start seeing money moving via stable rails. The apps are not gonna change in my opinion. They might evolve yes, but the risks are going to keep changing, but the behavior o the consumer will not change.” FINTECH AFRICA | Acquisition of Mono is a ‘Critical’ Part of the Stablecoin Strategy, Says Flutterwave     Stay tuned to BitKE updates on stablecoin developments in Africa. Join our WhatsApp channel here. Follow us on X for the latest posts and updates Join and interact with our Telegram community ___________________________________________

STABLECOINS | ‘We’re Building Using Fiat Infrastructure Powered By Stablecoins,’ Says CEO, Flutte...

The CEO of Flutterwave, Olugbenga ‘GB’ Agboola, has spoken about the company’s latest move to build stablecoin rails on top of its existing and compliant fiat rails.

Speaking at the 2026 World Economic Forum in Davos, GB said stablecoins speed up settlement times and in turn enables more turnaround and trade opportunity across the entire sales cycle.

 

Explaining how stablecoins work, GB said:

“Money doesn’t actually move, instruction moves, and when you use blockchain to move that instruction, you are creating a transparent way to move money without sacrificing the fiat guard rails. 

What it literally does is make it easier and quicker to move money especially in emerging markets where money movement is very very key dependent for growth in the economy.”

FINTECH AFRICA | ‘Stablecoin Adoption Has the Potential to 10x the Volumes We’re Currently Doing,’ Says CEO, Flutterwave

Being the most licensed non-bank fiat company in Africa and operational over the last 10 years, GB explained that the introduction of stablecoins does not change the company’s operations.

“When it comes to stablecoins, nothing is changing in our customer experience. You want to send money from Nigeria to South Africa or the United States, nothing is changing. 

What is changing is under the hood. We’re making it quicker and faster to move that money from the send to the business via stablecoin rails, via USDC, which is regulated, backed by the dollar, and just makes its quicker and faster.

Unlike most FIs [financial institutions] in the world, in Africa, you need a correspond bank first in order to move money via SWIFT rails. This takes away all that complexity and makes it simpler for money to move quicker yet with the entire infrastructure that guards money movement globally right now.”

ICYMI: Last week, Africa’s largest start-up and payments giant @theflutterwave – valued at $3bn – showcased their $USDC merchant settlement solution built on #Hedera with support from @The_Hashgraph Association’s #Hashgraph Enterprise Program.@BitcoinKE:https://t.co/FsNoYQHCpS

— Hedera (@hedera) October 9, 2023

The Send App Stablecoin Play

Giving an example of PayDay, GB said the company is enabling Nigerian engineers to be paid via stablecoins on Flutterwave.

GB also talked about the Send App consumer app and how the company is building the stablecoin backend infrastructure enabling the money to move in seconds.

STABLECOINS | Leading African Fintech, Flutterwave, Selects TurnKey to Power Verifiable Stablecoin Wallets Across Africa

Speaking on the costs, GB said:

“If you’re doing B2B payments, you can pay as low as 0.5% for example, compared to before through maybe a different rail which could be as high as 1.5%.

So there’s a lot of cost savings in there and yet a lot more efficiency as an entire infrastructure.”

PRESS RELEASE | Flutterwave Collaborates with Polygon as an Infrastructure Partner for Stablecoin Payments Across Africa

When asked about the broader fintech space in Africa, GB highlighted products like PiggyVest and Bamboo for savings and investment which are solving real problems in Africa.

2025 RECAP | Nigerian Fintech, PiggyVest, Reports Highest-Ever Annual Payouts and Surpasses 6 Million Users in 2025

When it comes to VC investments, GB provided some valuable insights for anyone looking at Africa.

“I think being able to understand emerging markets is very key. You have to also have an interest in emerging markets, not just deploying dollars and stepping back. 

Startups need growth partners and investors, not just checks. Check are key, but beyond the checks, how do you help us to growth from Series A to Series B? How do we grow go-to market? How do you elp us to scale compliance? 

All of tht skill set helps a lot to actually help to grow to the next level as well.”

 

Speaking on the next 5 years, GB said:

“I think in the next five years, stablecoins will become so entrenched in the entire global financial infrastructure. We will see stablecoins that are even backed by non-US currencies over time.

For example, if you want to tokenize the Naira, it doesn’t have to leave Nigeria for that to happen. It can happen in Nigeria for Nigeria.

So, we will start seeing a lot of local stablecoins plays happening across each country and you will see a lot of companies issues their own stablecoins because now its democratized and bring the entire infra on-chain helping them become more efficient, save more money and also create more efficient treasury plays which were not possible before.

So in five years there will be a lot more companies having their own stablecoins and they can use that to meet at some point for acceptance.”

INTRODUCING | Africa’s First Regulated Stablecoin, the Nigerian Naira-Pegged Stablecoin, $cNGN, Goes Live on Local Nigerian Exchanges

When it comes to consumer usage, GB opined:

“I think the apps we use will still remain the apps we use. The underlying hood will change. So you like Venmo, you like PayPal, you like Cash App, that’s fine, but behind the scene you’ll start seeing money moving via stable rails.

The apps are not gonna change in my opinion. They might evolve yes, but the risks are going to keep changing, but the behavior o the consumer will not change.”

FINTECH AFRICA | Acquisition of Mono is a ‘Critical’ Part of the Stablecoin Strategy, Says Flutterwave

 

 

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翻訳参照
CASE STUDY | Illegal ‘No-KYC’ Crypto Cards and a Wake-Up Call for Africa’s Crypto EcosystemGhanaian crypto startup, Bitsika, has so-called ‘no-KYC’ crypto virtual cards – marketed as easy, anonymous ways for users in Africa to convert crypto into spendable fiat through VISA networks – are now attracting serious scrutiny from compliance experts and regulators. We Processed about $40 Million and Registered Over 95K Users in 2020, Says BitSika CEO What’s at stake isn’t just a fintech gimmick, it’s a potential breach of global anti-money-laundering (AML) and counter-terror finance (CTF) standards that could undermine the legitimacy of crypto services across the continent. At the core of the controversy is how these cards claim to operate without Know-Your-Customer (KYC) identity checks, a foundational requirement under international AML/CTF rules. While Bitsika promotes its cards as a way to bypass traditional identity verification, even in jurisdictions with strict banking requirements, independent reviews highlight that ‘no-KYC’ card models in 2026 rely on legal loopholes and ambiguous issuing arrangements rather than true regulatory compliance. This matters because financial regulators and global standard-setters, especially the Financial Action Task Force (FATF), make clear that virtual asset service providers (VASPs) and payment issuers must implement robust customer identification and verification to prevent misuse of digital financial tools for illicit finance. FATF’s Travel Rule and associated recommendations require crypto platforms and financial services to collect, verify, and share accurate user information whenever assets move across borders, just as traditional banks do. REGULATION | FATF Crypto Compliance Checklist Raises Red Flags – Which African Countries Are Next? Why Bitsika’s Model is Problematic Claims of ‘no KYC’ raise red flags for AML/CTF compliance: In regulated markets, card issuance tied to traditional payment networks like Visa or Mastercard must meet strict identity verification standards — something no-KYC models can’t legally satisfy at scale. Compliance loopholes are unstable: Industry compliance professionals have publicly warned that services promoting anonymity in financial products often leverage gaps or fraud-prone pathways, and can be shut down abruptly when legal scrutiny catches up. FATF has specifically identified that many jurisdictions, including across Africa, struggle with implementing crypto compliance, leaving gaps that bad actors can exploit if products aren’t held to global AML/CTF standards. The broader implication is significant: if crypto products marketed to Africans evade KYC and other safeguards, they risk being labelled as illegal financial instruments in key markets. Regulators may treat these services as unlicensed or non-compliant financial actors, exposing users and providers to enforcement actions. This dynamic could damage trust in the crypto industry already under pressure from global regulators pushing for higher transparency and accountability. For African crypto markets, which regulators and investors are watching closely as part of efforts to enhance financial infrastructure and retreat from global grey-list status, the emergence of non-compliant services could be a setback. It undermines efforts to legitimise digital assets as safe, transparent parts of the financial system rather than shadows acting outside regulatory norms. REGULATION | Kenyan CEOs Now Risk 7-Year Jail Term, Employment Ban, Under Tougher Anti-Terrorism & AML Laws – What This Means for Crypto   Stay tuned to BitKE for deeper insights into the African crypto space. Join our WhatsApp channel here. Follow us on X for the latest posts and updates Join and interact with our Telegram community _________________________________________

CASE STUDY | Illegal ‘No-KYC’ Crypto Cards and a Wake-Up Call for Africa’s Crypto Ecosystem

Ghanaian crypto startup, Bitsika, has so-called ‘no-KYC’ crypto virtual cards – marketed as easy, anonymous ways for users in Africa to convert crypto into spendable fiat through VISA networks – are now attracting serious scrutiny from compliance experts and regulators.

We Processed about $40 Million and Registered Over 95K Users in 2020, Says BitSika CEO

What’s at stake isn’t just a fintech gimmick, it’s a potential breach of global anti-money-laundering (AML) and counter-terror finance (CTF) standards that could undermine the legitimacy of crypto services across the continent.

At the core of the controversy is how these cards claim to operate without Know-Your-Customer (KYC) identity checks, a foundational requirement under international AML/CTF rules. While Bitsika promotes its cards as a way to bypass traditional identity verification, even in jurisdictions with strict banking requirements, independent reviews highlight that ‘no-KYC’ card models in 2026 rely on legal loopholes and ambiguous issuing arrangements rather than true regulatory compliance.

This matters because financial regulators and global standard-setters, especially the Financial Action Task Force (FATF), make clear that virtual asset service providers (VASPs) and payment issuers must implement robust customer identification and verification to prevent misuse of digital financial tools for illicit finance. FATF’s Travel Rule and associated recommendations require crypto platforms and financial services to collect, verify, and share accurate user information whenever assets move across borders, just as traditional banks do.

REGULATION | FATF Crypto Compliance Checklist Raises Red Flags – Which African Countries Are Next?

Why Bitsika’s Model is Problematic

Claims of ‘no KYC’ raise red flags for AML/CTF compliance: In regulated markets, card issuance tied to traditional payment networks like Visa or Mastercard must meet strict identity verification standards — something no-KYC models can’t legally satisfy at scale.

Compliance loopholes are unstable: Industry compliance professionals have publicly warned that services promoting anonymity in financial products often leverage gaps or fraud-prone pathways, and can be shut down abruptly when legal scrutiny catches up.

FATF has specifically identified that many jurisdictions, including across Africa, struggle with implementing crypto compliance, leaving gaps that bad actors can exploit if products aren’t held to global AML/CTF standards.

The broader implication is significant: if crypto products marketed to Africans evade KYC and other safeguards, they risk being labelled as illegal financial instruments in key markets. Regulators may treat these services as unlicensed or non-compliant financial actors, exposing users and providers to enforcement actions. This dynamic could damage trust in the crypto industry already under pressure from global regulators pushing for higher transparency and accountability.

For African crypto markets, which regulators and investors are watching closely as part of efforts to enhance financial infrastructure and retreat from global grey-list status, the emergence of non-compliant services could be a setback. It undermines efforts to legitimise digital assets as safe, transparent parts of the financial system rather than shadows acting outside regulatory norms.

REGULATION | Kenyan CEOs Now Risk 7-Year Jail Term, Employment Ban, Under Tougher Anti-Terrorism & AML Laws – What This Means for Crypto

 

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_________________________________________
翻訳参照
MILESTONE | Binance Insurance Fund Now Surpasses 10,000 BitcoinsOver the past week, one of the most unheralded yet impactful moves in crypto unfolded within Binance, the largest crypto exchange globally. Binance’s Secure Asset Fund for Users (SAFU), the exchange’s insurance-style reserve for covering extreme losses, hacks, or system failures, has been aggressively converting its holdings from stablecoins into Bitcoin (BTC).   Binance announced a 30-day strategic shift of its SAFU fund, originally dominated by stablecoins, into Bitcoin. The goal is to convert $1 billion of SAFU reserves into BTC to strengthen long-term protection and reduce counterparty risk tied to stablecoins. This isn’t Binance ‘buying the dip,‘ but rather systematic reserve rebalancing designed to allocate roughly ~$33 million daily into BTC to avoid market shocks. 2025 RECAP | 2025 Was the Deadliest Year on Record for Crypto Projects – Over Half Died Fueled By MemeCoins Thanks to transparent on-chain disclosures and multiple independent news reports, here’s how the conversion has played out: 1,315 BTC (~$100 million) – first tranche completed early in February as part of the rollout. Another 1,315 BTC (~$100 million) – boosting holdings to ~2,630 BTC. 3,600 BTC (~$233 million) – mid-week addition that brought total to about 6,230 BTC. 4,225 BTC (~$300 million) – latest transfer reported on February 9, pushing SAFU’s BTC stash past 10,000 BTC for the first time. That puts the SAFU Bitcoin reserve at ~10,455 BTC, with a current notional value approaching three-quarters of a billion dollars and roughly 73% of Binance’s original $1 billion conversion target completed. While large BTC acquisitions don’t dictate price direction on their own, they do reflect a broader shift: major exchanges treating Bitcoin not just as a tradable asset but as a cornerstone of financial resilience. If other platforms follow suit, institutional demand narratives could strengthen. At the very least, Binance’s SAFU conversion is now one of the largest centralized Bitcoin accumulations outside of typical treasury strategies, and a story worth watching as the 30-day conversion window plays out. MILESTONE | The World’s Largest Public Bitcoin Holder Now Owns Over 700,000 Bitcoins     Sign up for BitKE to get the latest updates on crypto globally. Join our WhatsApp channel here. Follow us on X for the latest posts and updates Join and interact with our Telegram community _________________________________________

MILESTONE | Binance Insurance Fund Now Surpasses 10,000 Bitcoins

Over the past week, one of the most unheralded yet impactful moves in crypto unfolded within Binance, the largest crypto exchange globally.

Binance’s Secure Asset Fund for Users (SAFU), the exchange’s insurance-style reserve for covering extreme losses, hacks, or system failures, has been aggressively converting its holdings from stablecoins into Bitcoin (BTC).

 

Binance announced a 30-day strategic shift of its SAFU fund, originally dominated by stablecoins, into Bitcoin. The goal is to convert $1 billion of SAFU reserves into BTC to strengthen long-term protection and reduce counterparty risk tied to stablecoins.

This isn’t Binance ‘buying the dip,‘ but rather systematic reserve rebalancing designed to allocate roughly ~$33 million daily into BTC to avoid market shocks.

2025 RECAP | 2025 Was the Deadliest Year on Record for Crypto Projects – Over Half Died Fueled By MemeCoins

Thanks to transparent on-chain disclosures and multiple independent news reports, here’s how the conversion has played out:

1,315 BTC (~$100 million) – first tranche completed early in February as part of the rollout.

Another 1,315 BTC (~$100 million) – boosting holdings to ~2,630 BTC.

3,600 BTC (~$233 million) – mid-week addition that brought total to about 6,230 BTC.

4,225 BTC (~$300 million) – latest transfer reported on February 9, pushing SAFU’s BTC stash past 10,000 BTC for the first time.

That puts the SAFU Bitcoin reserve at ~10,455 BTC, with a current notional value approaching three-quarters of a billion dollars and roughly 73% of Binance’s original $1 billion conversion target completed.

While large BTC acquisitions don’t dictate price direction on their own, they do reflect a broader shift: major exchanges treating Bitcoin not just as a tradable asset but as a cornerstone of financial resilience. If other platforms follow suit, institutional demand narratives could strengthen.

At the very least, Binance’s SAFU conversion is now one of the largest centralized Bitcoin accumulations outside of typical treasury strategies, and a story worth watching as the 30-day conversion window plays out.

MILESTONE | The World’s Largest Public Bitcoin Holder Now Owns Over 700,000 Bitcoins

 

 

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_________________________________________
ドル化 | 中国は国内銀行に対し、米国財務省債券へのエクスポージャーを制限し減少させるよう促しているブルームバーグによると、中国の金融当局は国内銀行に対し、米国政府債券の新規購入を制限し、高いエクスポージャーを持つポジションを減少させるように助言しています。これは、市場のボラティリティと集中リスクに対する懸念を理由としています。 このガイダンスは、中国が米国政府債券の購入を減少させる可能性があるという憶測を引き起こしましたが、それは攻撃的な売却や新たな戦略的武器にはなりません。ブルームバーグのアナリストは、これは突然の『アメリカ売却』取引ではなく、より長期的なシフトの一部であると指摘しています。

ドル化 | 中国は国内銀行に対し、米国財務省債券へのエクスポージャーを制限し減少させるよう促している

ブルームバーグによると、中国の金融当局は国内銀行に対し、米国政府債券の新規購入を制限し、高いエクスポージャーを持つポジションを減少させるように助言しています。これは、市場のボラティリティと集中リスクに対する懸念を理由としています。

このガイダンスは、中国が米国政府債券の購入を減少させる可能性があるという憶測を引き起こしましたが、それは攻撃的な売却や新たな戦略的武器にはなりません。ブルームバーグのアナリストは、これは突然の『アメリカ売却』取引ではなく、より長期的なシフトの一部であると指摘しています。
翻訳参照
MILESTONE | Tether Is Now One of the Largest Holders of Gold GloballyA new report from Wall Street investment bank Jefferies says Tether’s physical gold holdings have climbed to at least roughly 148 tonnes, giving the stablecoin issuer a bullion stash valued at more than $23 billion, a total that places it among the top 30 gold holders worldwide. According to Jefferies’ analysis, Tether’s quarterly gold purchases have outpaced most sovereign buyers such as: Australia United Arab Emirates (UAE) Qatar South Korea Greece with only a few central banks, including: Poland and Brazil reporting higher net additions. The gold is held as part of reserves to back both Tether’s flagship dollar-pegged token USDT and its gold-linked token XAU₮. Interestingly, the report notes that, because Tether is a private company, the estimated 148 tonnes likely represents a floor rather than a precise total. The move towards diversifying its stablecoin reserves comes after the stablecoins crossed $300 billion in market cap (58% growth YoY) for the first time in October 2025 with analysts predicting the market could hit $500 billion and possibly $1 trillion by the end of the decade. MILESTONE | Stablecoins Cross $300 Billion in Market Cap for the First Time Stablecoin companies, with Tether leading in the pack, are already among the top 20 holders of U.S debt and the only non-sovereign debt holders in the list. A look at the XAU₮ supply reveals that there were 712,000 tokens worth ~$3.2 billion by end of January 2026. This is an increase of 6 tonnes of token back. Interestingly, Tether CEO, Paolo Ardoino, recently revealed that the gold-back is being driven by a strong retail demand mainly from emerging markets. The accumulation comes at a time when gold has seen a record-breaking high crossing $5,000 per ounce for the first time in history – a 50% rise since September 2025. MILESTONE | Gold Hits Historic High and Nearly Adds Bitcoin’s Entire Market Cap in a Single Day Jefferies also pointed out that by the end of 2025, Tether’s audited USDT reserves included approximately $17 billion worth of gold, underscoring how significant physical gold has become in the company’s asset mix. 2025 RECAP | Tether (USD₮) Reports Over 500 Million Users and Over $10 Billion in Profit for 2025     Stay tuned to BitKE updates on stablecoin developments. Join our WhatsApp channel here. Follow us on X for the latest posts and updates Join and interact with our Telegram community ___________________________________________

MILESTONE | Tether Is Now One of the Largest Holders of Gold Globally

A new report from Wall Street investment bank Jefferies says Tether’s physical gold holdings have climbed to at least roughly 148 tonnes, giving the stablecoin issuer a bullion stash valued at more than $23 billion, a total that places it among the top 30 gold holders worldwide.

According to Jefferies’ analysis, Tether’s quarterly gold purchases have outpaced most sovereign buyers such as:

Australia

United Arab Emirates (UAE)

Qatar

South Korea

Greece

with only a few central banks, including:

Poland and

Brazil

reporting higher net additions.

The gold is held as part of reserves to back both Tether’s flagship dollar-pegged token USDT and its gold-linked token XAU₮. Interestingly, the report notes that, because Tether is a private company, the estimated 148 tonnes likely represents a floor rather than a precise total.

The move towards diversifying its stablecoin reserves comes after the stablecoins crossed $300 billion in market cap (58% growth YoY) for the first time in October 2025 with analysts predicting the market could hit $500 billion and possibly $1 trillion by the end of the decade.

MILESTONE | Stablecoins Cross $300 Billion in Market Cap for the First Time

Stablecoin companies, with Tether leading in the pack, are already among the top 20 holders of U.S debt and the only non-sovereign debt holders in the list.

A look at the XAU₮ supply reveals that there were 712,000 tokens worth ~$3.2 billion by end of January 2026. This is an increase of 6 tonnes of token back. Interestingly, Tether CEO, Paolo Ardoino, recently revealed that the gold-back is being driven by a strong retail demand mainly from emerging markets.

The accumulation comes at a time when gold has seen a record-breaking high crossing $5,000 per ounce for the first time in history – a 50% rise since September 2025.

MILESTONE | Gold Hits Historic High and Nearly Adds Bitcoin’s Entire Market Cap in a Single Day

Jefferies also pointed out that by the end of 2025, Tether’s audited USDT reserves included approximately $17 billion worth of gold, underscoring how significant physical gold has become in the company’s asset mix.

2025 RECAP | Tether (USD₮) Reports Over 500 Million Users and Over $10 Billion in Profit for 2025

 

 

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___________________________________________
規制 | ステーブルコインは「分裂する」可能性があると南アフリカ準備銀行総裁が警告南アフリカ準備銀行の総裁レセティジャ・カニャゴは、ステーブルコインの人気が高まることが重大なリスクをもたらすと警告し、これらの暗号資産が「分裂する」危険があると述べました。 2026年ワーウィック経済サミットで、カニャゴは中央銀行の責任として「通貨の一体性と公衆への通貨の手頃さを守る」重要性を強調しました。彼は、安定した価値を維持することを目的とした資産に通常裏付けられたデジタルトークンであるステーブルコインが、南アフリカを含む世界中で注目を集めていると述べました。ユーザーは従来の通貨に代わる選択肢を求めています。

規制 | ステーブルコインは「分裂する」可能性があると南アフリカ準備銀行総裁が警告

南アフリカ準備銀行の総裁レセティジャ・カニャゴは、ステーブルコインの人気が高まることが重大なリスクをもたらすと警告し、これらの暗号資産が「分裂する」危険があると述べました。

2026年ワーウィック経済サミットで、カニャゴは中央銀行の責任として「通貨の一体性と公衆への通貨の手頃さを守る」重要性を強調しました。彼は、安定した価値を維持することを目的とした資産に通常裏付けられたデジタルトークンであるステーブルコインが、南アフリカを含む世界中で注目を集めていると述べました。ユーザーは従来の通貨に代わる選択肢を求めています。
翻訳参照
FINTECH AFRICA | the Nigerian Fintech Sector Expanded 70% in 2025, Says the Central Bank of NigeriaThe Nigeria financial technology industry expanded by an impressive 70 per cent in 2025, even as global economic conditions remained tough, the Central Bank of Nigeria (CBN) has reported. The growth figures are part of the CBN’s latest report titled “Shaping the Future of Fintech in Nigeria: Innovation, Inclusion, and Integrity”, which highlights Nigeria’s rising position as a major digital finance hub in Africa. According to the banking regulator, the surge in fintech activity reflects stronger domestic economic stability and a renewed focus on digital transformation, which has helped evolve the sector from a group of emerging startups to one of the continent’s most dynamic innovation ecosystems. 2025 RECAP | Nigerian Fintech, PiggyVest, Reports Highest-Ever Annual Payouts and Surpasses 6 Million Users in 2025 CBN Governor, Olayemi Cardoso, said that despite global headwinds, Nigerian fintech companies continued to attract investment and drive industry change. He noted: “With improved stability of our currency and domestic economy, it is clearer than ever that financial innovation can advance inclusion at scale.”   However, the report also warned of obstacles that could slow future growth. These include: Increased compliance costs related to fraud prevention Anti-money-laundering requirements and Regulatory delays that are slowing the rollout of new products. REGULATION | SEC Nigeria Raises Minimum Capital Requirements, Sets Higher Bar for Crypto, Fintech, and Capital Market Operators Industry stakeholders also flagged technical challenges that could hamper expansion. About half of those surveyed described the fintech ecosystem’s interoperability as weak, citing fragmented API standards and data protocols. Meanwhile, 37.5 per cent pointed to limitations in digital identity systems and a lack of solid credit histories as barriers to broader financial service delivery. The report referenced the strain on payments infrastructure during peak periods, such as the busy “Detty December” season, illustrating how spikes in travel, remittances, and wage disbursements put pressure on systems. To sustain the momentum, the CBN outlined policy measures aimed at balancing innovation with financial stability. These include a proposed shared fraud-intelligence model, regulatory passporting to support cross-border expansion in Africa, and the use of open banking and tiered KYC frameworks to broaden access to financial services. The central bank said that by strengthening collaboration between regulators and innovators, Nigeria’s fintech sector can continue to be a driver of economic growth and a model for financial inclusion across the continent. FINTECH AFRICA | PayPal is Back in Nigeria – This Time Through Paga, and Crypto Is the Quiet Catalyst   Sign up for BitKE to get the latest fintech updates from across Africa. Join our WhatsApp channel here. Follow us on X for the latest posts and updates Join and interact with our Telegram community _________________________________________

FINTECH AFRICA | the Nigerian Fintech Sector Expanded 70% in 2025, Says the Central Bank of Nigeria

The Nigeria financial technology industry expanded by an impressive 70 per cent in 2025, even as global economic conditions remained tough, the Central Bank of Nigeria (CBN) has reported.

The growth figures are part of the CBN’s latest report titled “Shaping the Future of Fintech in Nigeria: Innovation, Inclusion, and Integrity”, which highlights Nigeria’s rising position as a major digital finance hub in Africa.

According to the banking regulator, the surge in fintech activity reflects stronger domestic economic stability and a renewed focus on digital transformation, which has helped evolve the sector from a group of emerging startups to one of the continent’s most dynamic innovation ecosystems.

2025 RECAP | Nigerian Fintech, PiggyVest, Reports Highest-Ever Annual Payouts and Surpasses 6 Million Users in 2025

CBN Governor, Olayemi Cardoso, said that despite global headwinds, Nigerian fintech companies continued to attract investment and drive industry change.

He noted:

“With improved stability of our currency and domestic economy, it is clearer than ever that financial innovation can advance inclusion at scale.”

 

However, the report also warned of obstacles that could slow future growth.

These include:

Increased compliance costs related to fraud prevention

Anti-money-laundering requirements and

Regulatory delays that are slowing the rollout of new products.

REGULATION | SEC Nigeria Raises Minimum Capital Requirements, Sets Higher Bar for Crypto, Fintech, and Capital Market Operators

Industry stakeholders also flagged technical challenges that could hamper expansion. About half of those surveyed described the fintech ecosystem’s interoperability as weak, citing fragmented API standards and data protocols. Meanwhile, 37.5 per cent pointed to limitations in digital identity systems and a lack of solid credit histories as barriers to broader financial service delivery.

The report referenced the strain on payments infrastructure during peak periods, such as the busy “Detty December” season, illustrating how spikes in travel, remittances, and wage disbursements put pressure on systems.

To sustain the momentum, the CBN outlined policy measures aimed at balancing innovation with financial stability. These include a proposed shared fraud-intelligence model, regulatory passporting to support cross-border expansion in Africa, and the use of open banking and tiered KYC frameworks to broaden access to financial services.

The central bank said that by strengthening collaboration between regulators and innovators, Nigeria’s fintech sector can continue to be a driver of economic growth and a model for financial inclusion across the continent.

FINTECH AFRICA | PayPal is Back in Nigeria – This Time Through Paga, and Crypto Is the Quiet Catalyst

 

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Join and interact with our Telegram community

_________________________________________
規制 | 中国がRMBにリンクしたステーブルコインとRWAトークン化に対する広範な禁止を正式化2026年2月6日、中国人民銀行(PBOC)は、7つの主要な中国規制機関と共に、元にペッグされたステーブルコインと実世界資産(RWA)のトークン化を特に対象とした暗号関連の活動に対する規制を強化する広範な規制指令を発表しました。 通知は、共同で発表されました。 中国人民銀行、 中国証券監督管理委員会(CSRC)、 産業情報技術省、および その他の金融機関 中国の長年の暗号禁止を再確認し、世界市場で急増しているデジタル金融製品に対する新たな管理層を追加しました。

規制 | 中国がRMBにリンクしたステーブルコインとRWAトークン化に対する広範な禁止を正式化

2026年2月6日、中国人民銀行(PBOC)は、7つの主要な中国規制機関と共に、元にペッグされたステーブルコインと実世界資産(RWA)のトークン化を特に対象とした暗号関連の活動に対する規制を強化する広範な規制指令を発表しました。

通知は、共同で発表されました。

中国人民銀行、

中国証券監督管理委員会(CSRC)、

産業情報技術省、および

その他の金融機関

中国の長年の暗号禁止を再確認し、世界市場で急増しているデジタル金融製品に対する新たな管理層を追加しました。
プレスリリース | TetherがUSD₮対応決済システムを支援するためにT-0ネットワークへの投資を発表USDTの背後にある企業Tetherは、認可された金融機関向けのUSD₮対応決済プラットフォームであるt-0ネットワークへの戦略的投資を発表し、即時かつ費用対効果の高い国境を越えた決済を可能にします。 Circle Payments Networkの競合として位置付けられているTetherネットワークは、認可された金融機関間のほぼ即時かつ低コストの国境を越えた決済を可能にするために、USDTを専用の決済レイヤーとして使用します。 t-0ネットワークは、世界中の金融機関を結びつける独自の決済ソリューションであり、銀行とフィンテックが、安定コインをコア決済インフラストラクチャとして活用することで、ほぼ即時の決済と最小限の手数料で国境を越えた法定通貨間の決済を調整できるようにします。この革新的なアプローチ

プレスリリース | TetherがUSD₮対応決済システムを支援するためにT-0ネットワークへの投資を発表

USDTの背後にある企業Tetherは、認可された金融機関向けのUSD₮対応決済プラットフォームであるt-0ネットワークへの戦略的投資を発表し、即時かつ費用対効果の高い国境を越えた決済を可能にします。

Circle Payments Networkの競合として位置付けられているTetherネットワークは、認可された金融機関間のほぼ即時かつ低コストの国境を越えた決済を可能にするために、USDTを専用の決済レイヤーとして使用します。

t-0ネットワークは、世界中の金融機関を結びつける独自の決済ソリューションであり、銀行とフィンテックが、安定コインをコア決済インフラストラクチャとして活用することで、ほぼ即時の決済と最小限の手数料で国境を越えた法定通貨間の決済を調整できるようにします。この革新的なアプローチ
翻訳参照
REGULATION | the Zimbabwe Financial Securities Exchange Reportedly Gets Approval to Pilot an Asse...Zimbabwe’s Financial Securities Exchange (FINSEC Zim) has received regulatory approval to operate the country’s first asset tokenisation market, a ground-breaking development for digital finance and capital markets in the region. The Securities and Exchange Commission of Zimbabwe (SEC Zim) granted the licence under its regulatory sandbox framework, enabling FINSEC to pilot tokenised trading of real-world assets in a controlled, supervised environment.   A Milestone for Digital Finance and Market Modernisation The approval marks a significant shift in Zimbabwe’s financial landscape, introducing a regulated structure for converting ownership interests in physical assets, starting with property, into digital tokens that can be issued, traded, and settled on a blockchain-enabled platform. Under the sandbox framework, SEC Zim allows innovations to operate with real users while closely monitoring risks and regulatory compliance ahead of broader market rollout. This approach balances innovation with investor protection and risk oversight. FINSEC Zimbabwe, established in 2016 as a licensed Alternative Trading Platform (ATP) and part of the Escrow Group, operates an automated electronic exchange for securities, including equities and derivatives. The addition of an asset tokenisation market expands its remit into digital asset infrastructure. REGULATION | Zimbabwe Officials Announce Steps to Evaluate Local Crypto Sector And Introduce a Regulatory Framework What Asset Tokenisation Means Asset tokenisation involves digitising economic rights in real-world assets – such as property, livestock, or agribusiness equipment – into digital tokens on a blockchain or distributed ledger. Unlike traditional cryptocurrencies, these tokens are fully backed by identifiable underlying assets and issued within existing legal, custodial, and regulatory frameworks. This legal and technological fusion is designed to unlock liquidity from traditionally illiquid assets, enable fractional ownership, and broaden access to investment opportunities for retail, institutional, and diaspora investors. Fractionalisation allows investors to buy smaller portions of high-value assets, lowering barriers to entry and democratising investment. LAUNCH | Zimbabwe Introduces the ZiG Gold-Backed Digital Currency for Use as a ‘Means of Payment for Domestic Transactions’ Platform Design and Regulatory Safeguards According to FINSEC Zimbabwe, the approved market infrastructure will support the full lifecycle of tokenised assets from origination, due diligence, issuance, and trading, to settlement, custody, and reporting. The platform will be built on a secure, blockchain-enabled system that provides immutable audit trails, programmable compliance via smart contracts, and real-time regulatory oversight. Key compliance and investor protection features include: Escrow-based settlement and segregation of investor funds Independent asset valuations and insurance coverage where applicable Full KYC (Know Your Customer), AML (Anti-Money Laundering), and investor suitability controls Regulated secondary trading to enhance liquidity These safeguards aim to provide confidence for both issuers and investors operating within the nascent tokenised asset market, ensuring transparency and risk mitigation under regulatory supervision. OPINION | Africa’s Capital Market Opportunity: Is Tokenization the Secret Key to Unlock Africa’s Economic Potential? – By CEO, Nairobi Securities Exchange (NSE) The first asset classes approved for tokenisation include income-generating and development property. Each tokenised offering must be backed by verifiable assets, subject to independent valuation, and supported by custodial oversight. For asset owners such as property developers, farmers, and agribusiness operators, the tokenisation market represents a new capital-raising channel that complements traditional bank financing. For investors, particularly those previously excluded due to high minimum investment thresholds or illiquidity, it opens access to a broader array of asset-backed opportunities. Market Reception and Future Outlook Market analysts view FINSEC Zimbabwe’s approval as a major step toward deepening Zimbabwe’s capital markets and integrating digital finance into the broader economy. By channeling savings into productive sectors and lowering entry barriers for investment, the initiative could spur both financial inclusion and economic growth. FINSEC plans to launch its first pilot tokenised asset offerings once issuer onboarding and investor education initiatives are finalised under SEC Zim’s sandbox regime. INTRODUCING | Zimbabwe Launches Blockchain-Based Carbon Credit Registry to Boost Transparency and Investor Confidence     Want to keep up with the latest news and updates on crypto regulation across Africa? Join our WhatsApp channel here. Follow us on X for the latest posts and updates Join and interact with our Telegram community ___________________________________________

REGULATION | the Zimbabwe Financial Securities Exchange Reportedly Gets Approval to Pilot an Asse...

Zimbabwe’s Financial Securities Exchange (FINSEC Zim) has received regulatory approval to operate the country’s first asset tokenisation market, a ground-breaking development for digital finance and capital markets in the region.

The Securities and Exchange Commission of Zimbabwe (SEC Zim) granted the licence under its regulatory sandbox framework, enabling FINSEC to pilot tokenised trading of real-world assets in a controlled, supervised environment.

 

A Milestone for Digital Finance and Market Modernisation

The approval marks a significant shift in Zimbabwe’s financial landscape, introducing a regulated structure for converting ownership interests in physical assets, starting with property, into digital tokens that can be issued, traded, and settled on a blockchain-enabled platform.

Under the sandbox framework, SEC Zim allows innovations to operate with real users while closely monitoring risks and regulatory compliance ahead of broader market rollout. This approach balances innovation with investor protection and risk oversight.

FINSEC Zimbabwe, established in 2016 as a licensed Alternative Trading Platform (ATP) and part of the Escrow Group, operates an automated electronic exchange for securities, including equities and derivatives. The addition of an asset tokenisation market expands its remit into digital asset infrastructure.

REGULATION | Zimbabwe Officials Announce Steps to Evaluate Local Crypto Sector And Introduce a Regulatory Framework

What Asset Tokenisation Means

Asset tokenisation involves digitising economic rights in real-world assets – such as property, livestock, or agribusiness equipment – into digital tokens on a blockchain or distributed ledger. Unlike traditional cryptocurrencies, these tokens are fully backed by identifiable underlying assets and issued within existing legal, custodial, and regulatory frameworks.

This legal and technological fusion is designed to unlock liquidity from traditionally illiquid assets, enable fractional ownership, and broaden access to investment opportunities for retail, institutional, and diaspora investors. Fractionalisation allows investors to buy smaller portions of high-value assets, lowering barriers to entry and democratising investment.

LAUNCH | Zimbabwe Introduces the ZiG Gold-Backed Digital Currency for Use as a ‘Means of Payment for Domestic Transactions’

Platform Design and Regulatory Safeguards

According to FINSEC Zimbabwe, the approved market infrastructure will support the full lifecycle of tokenised assets from origination, due diligence, issuance, and trading, to settlement, custody, and reporting.

The platform will be built on a secure, blockchain-enabled system that provides immutable audit trails, programmable compliance via smart contracts, and real-time regulatory oversight.

Key compliance and investor protection features include:

Escrow-based settlement and segregation of investor funds

Independent asset valuations and insurance coverage where applicable

Full KYC (Know Your Customer), AML (Anti-Money Laundering), and investor suitability controls

Regulated secondary trading to enhance liquidity

These safeguards aim to provide confidence for both issuers and investors operating within the nascent tokenised asset market, ensuring transparency and risk mitigation under regulatory supervision.

OPINION | Africa’s Capital Market Opportunity: Is Tokenization the Secret Key to Unlock Africa’s Economic Potential? – By CEO, Nairobi Securities Exchange (NSE)

The first asset classes approved for tokenisation include income-generating and development property. Each tokenised offering must be backed by verifiable assets, subject to independent valuation, and supported by custodial oversight.

For asset owners such as property developers, farmers, and agribusiness operators, the tokenisation market represents a new capital-raising channel that complements traditional bank financing. For investors, particularly those previously excluded due to high minimum investment thresholds or illiquidity, it opens access to a broader array of asset-backed opportunities.

Market Reception and Future Outlook

Market analysts view FINSEC Zimbabwe’s approval as a major step toward deepening Zimbabwe’s capital markets and integrating digital finance into the broader economy. By channeling savings into productive sectors and lowering entry barriers for investment, the initiative could spur both financial inclusion and economic growth.

FINSEC plans to launch its first pilot tokenised asset offerings once issuer onboarding and investor education initiatives are finalised under SEC Zim’s sandbox regime.

INTRODUCING | Zimbabwe Launches Blockchain-Based Carbon Credit Registry to Boost Transparency and Investor Confidence

 

 

Want to keep up with the latest news and updates on crypto regulation across Africa?

Join our WhatsApp channel here.

Follow us on X for the latest posts and updates

Join and interact with our Telegram community

___________________________________________
翻訳参照
Banks Could Eventually Offer Similar Products to Crypto, Says U.S Treasury SecretaryUnited States Treasury Secretary, Scott Bessent, told lawmakers that traditional banks and the crypto industry could eventually provide products and services that resemble one another. Speaking before the Senate Banking Committee, Bessent was asked by Republican Senator, Cynthia Lummis, whether there might come a point when traditional banks and crypto firms are offering the same kinds of financial products. He replied that he believes that could happen over time, adding that the Treasury has been engaging with small and community banks on how they might participate in the digital asset space. Bessent also pressed for clearer regulations around crypto, saying it’s ‘impossible to proceed’ without defined rules. He urged support for the CLARITY Act, a major crypto market structure bill currently stalled in Congress. Bessent went so far as to suggest that those opposed to the legislation ‘should move to El Salvador.‘ CLARITY ACT | U.S Senate Banking Committee Unveils Draft Crypto Market Structure Bill With Proposed Amendments On the legislative front, the crypto market structure bill has hit a standstill in the Senate Banking Committee. Lawmakers from both parties have been at odds over provisions, including proposed limits on stablecoin yields that some crypto firms, such as Coinbase, have opposed. Bessent emphasized that avoiding volatility in deposits, whether at banks or within stablecoin systems, is critical, since deposit stability underpins the ability of banks to lend to households and businesses. He said the Treasury would continue working to ensure that deposit outflows do not destabilize the financial system. Several crypto companies have offered potential compromises, including expanding the role of community banks in the stablecoin ecosystem, in an effort to help advance the stalled legislation. REGULATION | The Office of the Comptroller of the Currency (OCC) Clears National Banks to Act as Intermediaries in Crypto Transactions     Want to keep up with the latest news and updates on crypto regulation globally? Join our WhatsApp channel here. Follow us on X for the latest posts and updates Join and interact with our Telegram community ___________________________________________

Banks Could Eventually Offer Similar Products to Crypto, Says U.S Treasury Secretary

United States Treasury Secretary, Scott Bessent, told lawmakers that traditional banks and the crypto industry could eventually provide products and services that resemble one another.

Speaking before the Senate Banking Committee, Bessent was asked by Republican Senator, Cynthia Lummis, whether there might come a point when traditional banks and crypto firms are offering the same kinds of financial products. He replied that he believes that could happen over time, adding that the Treasury has been engaging with small and community banks on how they might participate in the digital asset space.

Bessent also pressed for clearer regulations around crypto, saying it’s ‘impossible to proceed’ without defined rules. He urged support for the CLARITY Act, a major crypto market structure bill currently stalled in Congress. Bessent went so far as to suggest that those opposed to the legislation ‘should move to El Salvador.‘

CLARITY ACT | U.S Senate Banking Committee Unveils Draft Crypto Market Structure Bill With Proposed Amendments

On the legislative front, the crypto market structure bill has hit a standstill in the Senate Banking Committee. Lawmakers from both parties have been at odds over provisions, including proposed limits on stablecoin yields that some crypto firms, such as Coinbase, have opposed.

Bessent emphasized that avoiding volatility in deposits, whether at banks or within stablecoin systems, is critical, since deposit stability underpins the ability of banks to lend to households and businesses. He said the Treasury would continue working to ensure that deposit outflows do not destabilize the financial system.

Several crypto companies have offered potential compromises, including expanding the role of community banks in the stablecoin ecosystem, in an effort to help advance the stalled legislation.

REGULATION | The Office of the Comptroller of the Currency (OCC) Clears National Banks to Act as Intermediaries in Crypto Transactions

 

 

Want to keep up with the latest news and updates on crypto regulation globally?

Join our WhatsApp channel here.

Follow us on X for the latest posts and updates

Join and interact with our Telegram community

___________________________________________
FINTECH AFRICA | Monoの買収はステーブルコイン戦略の「重要な」部分であるとFlutter...は述べていますFlutterwaveの最新のエンジニアリングアップデートは、同社がアフリカ最大のステーブルコインインフラストラクチャを構築している方法についての稀な舞台裏を提供します。これは、デジタル価値を大陸全体のビジネスや消費者の手に直接届けることを目的としたブロックチェーンベースの決済バックボーンです。 プロジェクトの本質は、USDT、USDCなどのステーブルコインを投機を超えて、日常的な価値の移動に持ち込むことです:低コストの送金、信頼できる変換、法定通貨とデジタルレール間での予測可能な決済行動。チームはすでに、NGN、USD、および主要なトークン標準間のインバウンドおよびアウトバウンドのステーブルコイントランスファーと変換のためのライブエンドツーエンドフローを検証しています。

FINTECH AFRICA | Monoの買収はステーブルコイン戦略の「重要な」部分であるとFlutter...は述べています

Flutterwaveの最新のエンジニアリングアップデートは、同社がアフリカ最大のステーブルコインインフラストラクチャを構築している方法についての稀な舞台裏を提供します。これは、デジタル価値を大陸全体のビジネスや消費者の手に直接届けることを目的としたブロックチェーンベースの決済バックボーンです。

プロジェクトの本質は、USDT、USDCなどのステーブルコインを投機を超えて、日常的な価値の移動に持ち込むことです:低コストの送金、信頼できる変換、法定通貨とデジタルレール間での予測可能な決済行動。チームはすでに、NGN、USD、および主要なトークン標準間のインバウンドおよびアウトバウンドのステーブルコイントランスファーと変換のためのライブエンドツーエンドフローを検証しています。
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