Africa’s Great Leap: Value exchange on the Blockchain

Kotani Pay
3 min readDec 10, 2020


The usefulness of money rests in exchanging it for goods and services. One cannot eat dollar bills in place of food or wear a bank account in place of clothes.

Money must be widely accepted by both buyers and sellers for it to be effective.

In the second decade of the 21st century, we are seeing more people exchanging value on Blockchains. For many individuals in Africa, however, they either have no access to digital assets and value exchanged on Blockchains or have their digital assets and value locked on Blockchains with no way of utilizing them for the things they find useful e.g. buying items, paying bills etc.

Read the article here.

We see our work being to create two key abilities on the part of our customers. The first is the ability to redeem assets and value created on Blockchains. The second is to offer access to the millions looking to exchange value and assets on global Blockchain networks.

Redemption of value

We provide a frictionless bridge between Blockchains (where the value is created) and more accessible payment systems that enable customers to use the value they have created on Blockchains in useful ways for them.


We also offer access to millions of people who want to participate in digital exchange on Blockchains for their various benefits including low cost, 24/7 availability and cross border instant settlements.

Our Product

Kotani Pay is frictionless because it uses mobile interfaces already familiar to the local African audience. A simple USSD code can give access to the 400 million Africans who have basic phones and millions more with low-end smartphones. It needs no new demands on storage space or the need for internet access or the learning curve often associated with many of our Blockchains today.

We settle with the customers’ mobile money wallets giving these users instant access to the value they have redeemed from Blockchains. For those looking to access Blockchains, we offer immediate onboarding and access to Blockchain assets and services.

The Future

With the global Blockchain market size expected to grow from USD 3.0 billion in 2020 to USD 39.7 billion by 2025, at an impressive Compound Annual Growth Rate (CAGR) of 67.3%, there will be more value exchange on the world’s blockchains than ever before. Our priority will be offering access and enabling redemption of value from these networks for all the users on the continent looking to do so. We look forward to a future where frictionless on-ramp onto Blockchains and off-ramp from Blockchains is the norm rather than the exception. What a beautiful future this will be.

Are you a FinTech that needs an off-ramp in Africa? Sign up here to integrate with Kotani Pay.



Kotani Pay

Our purpose here is to write great stories that inspire people to follow their unique path in life and explore ideas around making money beautiful.