Go From CLARITY to STRATEGY™

Strategic Intelligence from Advantage Evans Global Regulatory Strategies

From Momo
to Crypto™

Africa's Digital Financial Infrastructure and the Case for a New Monetary Order

The rails of African finance are being rebuilt in real time. Licensing regimes are live, sandboxes are admitting firms, and capital is moving. This briefing series mapped what is being built, who is building it, and what it means for every institution with a decision to make. Both live sessions have concluded. The recordings and Strategic Intelligence Report are now available as one package.

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A payment from Lagos to Accra should not have to pass through New York.

Correspondent-banking corridors still route intra-African value across oceans and out of continental hands. A transfer between neighbors can take days, incur layered fees, and settle in a third currency that neither party uses or holds.

Meanwhile, market-entry and licensing rules remain unclear at exactly the points where firms are trying to operate. That architecture is the obstacle. Not any regulator, not any institution, not any nation. The obstacle is a system that was never built for the people and firms now outgrowing it.

80.5M+
registered mobile money accounts in Ghana (Bank of Ghana, December 2025)
Coming online
continental settlement rails now being switched on
Accra
VASP Act 2025 (Act 1154) now law. Bank of Ghana and SEC dual licensing framework being operationalized.
→
Abuja
Digital assets classified as securities under ISA 2025. SEC licensing regime in force.
→
Cape Town
310 crypto asset service providers approved of 533 applications by the FSCA as of March 2026.
→
Nairobi
VASP Act 2025 in force. CBK and CMA named dual regulators. Licensing rules in development.

Analysis from someone who does this work, on both sides of the Atlantic.

Dr. Tonya M. Evans is Founder and CEO of Advantage Evans Global Regulatory Strategies. She advises virtual asset service providers (VASPs) on market entry and licensing, financial institutions on digital asset compliance and risk, and policymakers on framework design across the United States and West Africa.

  • Board of Directors, Digital Currency Group
  • Testified before the U.S. House of Representatives Financial Services Subcommittee on Digital Assets
  • Keynote Speaker, Digital Assets Summit Africa 2026, Accra — September 16–17, 2026 | Theme: From Policy to Prosperity
  • Expert External Reviewer, Nigerian VASP Regulations
  • Forbes contributor
  • Host, Confidently Crypto on SiriusXM

Institutions and VASPs planning West Africa market entry can start an advisory conversation at TonyaEvans.com.

Here is what the briefing series covers.

Two live sessions, now concluded. Get the full recordings and Strategic Intelligence Report as one package.

Session OneWed, Sep 2

The Infrastructure Story: mobile money, continental settlement, the currency question, and crypto as infrastructure. Parts I through IV.

Session One: The Infrastructure Story, intro slide
Session TwoWed, Sep 9
  • The Regulatory Landscape: a continent in motion
  • Final Sections Debut: delivered live, before publication

Both sessions ran 12:30–2:00 PM ET (4:30–6:00 PM Accra). Full recordings included in the package.

Session Two: The Regulatory Landscape, intro slide
August 2026The full report

The complete Strategic Intelligence Report, all sections compiled and designed, was released ahead of DASA 2026 in Accra. Package buyers receive it alongside the recordings.

Mobile money transaction on a smartphone in West Africa

Built on the rails already carrying Africa's money.

Mobile money proved the demand. This briefing tracked what gets built on top of it, and what it means for your next move.

Straight from the DASA 2026 keynote

The slides, exactly as they were delivered on stage in Accra.

Keynote slide: From Momo to Crypto title
Keynote slide: Momo is trust infrastructure
Keynote slide: Africa built its own rails
Keynote slide: Citizens delivered a verdict
Keynote slide: Ghana drew the line by statute
Keynote slide: The dollarization dilemma
Keynote slide: 49 to 50
Keynote slide: Washington is still interpreting
Keynote slide: The playbook — Managed Digital Sovereignty
Keynote slide: DASA keynote profile
Keynote slide: Are You Web3 Ready? 7-day complimentary access with QR code
Keynote slide: QR code for tonyaevans.com/momotocrypto
Keynote slide: The trade routes were never broken. They were rerouted. Now they are being reclaimed.

Watch it delivered

The full keynote, from the stage in Accra.

Watch the full keynote from DASA 2026 in Accra.

The Framework

Introducing Managed Digital Sovereignty

A named framework for how African nations build digital financial capacity on their own terms, engaging global capital and technology without surrendering control of the rails, the data, or the policy agenda.

For regulators, a vocabulary for decisions already underway. For institutions and VASPs, the lens for reading what markets will ask of you before you arrive. Subscribers are introduced to the framework first.

Political sovereignty without monetary sovereignty is a tragic illusion. The question for this generation is not whether the rails get rebuilt. It is who holds the blueprints.

Dr. Tonya M. Evans, From Momo to Crypto™

Written for the people building, governing, and entering what comes next.

  • VASPs planning or executing West African market entry
  • Financial institutions weighing exposure, partnership, and compliance obligations
  • Regulators and policymakers shaping licensing and supervisory frameworks
  • Counsel and risk professionals advising all of the above
  • Diaspora investors and builders moving capital and expertise home

If your mandate touches African digital finance, this briefing was recorded with you in the room.

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The sessions are over. The blueprints are yours.

Both session recordings plus the complete Strategic Intelligence Report. One package, $97.

Session One and Session Two, full replays on demand

The complete briefing, all sections, delivered as a PDF

One-time payment. Immediate access to recordings and the Strategic Intelligence Report.

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