Paga says it has processed ₦21T across 432M transactions; Chainalysis put Sub-Saharan Africa crypto adoption growth at 52% in 2025, with remittances and everyday payments doing the work. Crossmint's role is abstracting wallets, gas and chain routing so USDC/USDT can behave like backend liquidity for Paga/Doroki payments instead of a CEX withdrawal workflow. The constraint is off-chain: FX licensing, naira liquidity, chargebacks and fraud ops decide whether stablecoin rails become merchant infrastructure or stay a remittance hack.

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