Crypto and financial inclusion in Africa

Across Africa, millions of people live without a bank account, yet almost everyone owns a smartphone. 📱
This simple fact is transforming the continent’s financial future. Today, thanks to stablecoins, MiniPay, and Coinstancy, financial access is becoming mobile, inclusive, and borderless.

While traditional banks remain out of reach for many, and cross-border transfers can cost up to 10% in fees, crypto-based solutions bring a real alternative — faster, cheaper, and more transparent.

And now, Coinstancy is taking inclusion a step further with the upcoming launch of its MiniApp inside MiniPay, allowing users across Africa to save and earn 7% interest per year, directly from their phones — with no bank, no middlemen, and no app installation.

💡 The future of finance in Africa is mobile — and it’s already here.

A young, mobile, and connected continent 🌍

Africa is the world’s youngest region, with over 60% of the population under 25. Yet only around 45% of adults have access to a bank account.

At the same time, more than 550 million Africans own a smartphone.
That combination — low banking access, high mobile adoption — has made Africa the perfect place for digital finance to flourish.

From Kenya’s M-Pesa to Ghana’s MoMo and Nigeria’s fintech boom, mobile-based finance has already proven its potential. Now, the rise of crypto, stablecoins, and MiniPay is taking that progress to the next level:
users can send, receive, and save money instantly, without banks or borders.

💡 Where banks struggle to reach, blockchain builds the connection.

MiniPay and MiniApps: the future of mobile finance 💳

Built on the Celo blockchain, MiniPay is a lightweight digital wallet integrated directly into the Opera Mini browser — one of the most widely used apps in Africa.

There’s no need to download anything: MiniPay is already on millions of devices.
It allows users to send and receive stablecoins such as USDC, cUSD, or cEUR within seconds, at almost zero cost.

But MiniPay goes even further. It hosts a growing ecosystem of MiniApps — small, in-browser financial apps that run directly inside MiniPay.

That’s where Coinstancy steps in.

🔹 The Coinstancy MiniApp, launching soon, will let users:

• Create a Coinstancy account in under a minute;
• Deposit or receive stablecoins (like USDC);
• Earn a guaranteed 7% annual yield, visible in real time;
• And do all of it without leaving MiniPay.

In short, it brings real DeFi yields directly into people’s hands — simple, transparent, and mobile-first.

💡 Coinstancy turns every phone into a personal savings wallet.

Coinstancy: real inclusion, powered by stablecoins 💎

Coinstancy’s mission is clear — to make earning and saving money accessible to everyone, even without a bank.

In many African countries, sending money to family can cost days and high fees. Saving is difficult, and investing feels out of reach.
 Coinstancy changes that reality.

With just a few taps, users can:

• Receive stablecoins through MiniPay;
• Place them in the Pool DOLLAR;
• And start earning 7% annual interest, calculated every second, with no lockup, no waiting, and no fees.

The system combines stablecoin stability, Fireblocks-grade security, and mobile simplicity.
Everything runs automatically, and users can withdraw at any moment.

💡 What M-Pesa did for payments, Coinstancy aims to do for savings — making financial growth as easy as sending a message.

The next step: Africa connected to the global economy 🌐

Africa isn’t behind — it’s innovating differently.
 Where Europe regulates, Africa builds.
 Where banks are slow, communities adopt fast, mobile-first tools.

Blockchain is already bridging the gap between local needs and global opportunities.
It connects remote villages, small entrepreneurs, and young workers to financial tools that were once reserved for the privileged few.

Coinstancy adds a missing layer: stable yield, instant access, and true transparency.
By combining MiniPay’s accessibility with Coinstancy’s performance, Africa’s users can finally save, earn, and grow — all from their mobile phones.

💡 Africa doesn’t need promises — it needs practical solutions. Coinstancy is one of them.

Frequently asked 🤔

What is MiniPay?

MiniPay is a lightweight digital wallet built into the Opera Mini browser. It allows users to send, receive, and store stablecoins with minimal fees. It’s designed specifically for Africa’s mobile-first economy.

What is a MiniApp?

A MiniApp is a small app that runs directly inside MiniPay. It gives users access to financial services — like saving, investing, or earning — without needing to download anything.

What will the Coinstancy MiniApp offer?

The Coinstancy MiniApp will allow users to open an account, deposit stablecoins (like USDC), and start earning a guaranteed 7% annual yield, with interest paid every second. Withdrawals will be instant and free.

Is Coinstancy regulated?

Yes. Coinstancy is based in French Polynesia, a self-governing jurisdiction that’s not subject to the European MiCA regulation. This allows it to legally offer stablecoin-based yields while maintaining full compliance with local and international AML/KYC standards.

Will Coinstancy be available everywhere in Africa?

Yes. Thanks to its integration with MiniPay, Coinstancy will be accessible to anyone with a smartphone and an internet connection — even on low-bandwidth networks.