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Essays on cross-border money, accountable AI, portable trust, and financial infrastructure for Africans and the diaspora.
Read the latest essayIdentity provides a verifiable identity layer. Mandates record user intent and permissions. Settlement uses interoperable rails. Proof provides cryptographic assurance. Three example transaction traces connect Kenya, Nigeria, Ghana, the United States, and South Africa.
Cross-border corridors
are systems, not events.
Design for verifiability,
not velocity.
From the archive
Four years earlier
Two essays from 2022 established the Banking 4.1 thesis and the case for open, responsive African financial infrastructure. The new essay tests those predictions against the systems emerging now.
A 2022 thesis on moving from banking everywhere to banking and transacting everywhere and for everyone.
Why African financial infrastructure must be open, interoperable, responsive, and useful to builders.
Editorial position
Poza studies the systems it is building inside.
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