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 maps what is being built, who is building it, and what it means for every institution with a decision to make. Subscribers receive the analysis as it releases, ahead of the full report in August 2026.

Get the Executive Summary Delivered immediately. Then every installment as it releases. No cost to subscribe.

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.

80M+
registered mobile money accounts in Ghana alone
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
300 crypto asset service providers licensed by the FSCA since 2023.
→
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 Financial Services Subcommittee on Digital Assets
  • Forbes contributor
  • Host, Confidently Crypto on SiriusXM
  • Speaker, Digital Assets Summit Africa 2026, Accra

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

Here is what lands in your inbox.

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The Executive Summary: five core developments in plain institutional language, built to be read in ten minutes and forwarded.

Over the
Coming WeeksInstallment by installment
  • The Foundation: mobile money and inclusion
  • The Rails: PAPSS and continental settlement
  • The Currency Question: sovereignty and reform
  • Crypto as Infrastructure: utility, not speculation
  • The Regulatory Landscape: a continent in motion
August 2026The full report

The complete report, all seven parts compiled and designed, releases ahead of DASA 2026 in Accra. Subscribers are first to know and first in line.

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 tracks what gets built on top of it, and what it means for your next move.

Get the Executive Summary

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 written with you in the room.

The rails are being rebuilt. Read the blueprints as they're drawn.

Immediate delivery. The complete report releases August 2026.

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