Read the rails, not the rumour.

Source-led notes on the rules, technology and operating economics shaping African payments. Source facts and ChampPay analysis are labelled separately.

Policy brief

Nigeria’s Payments System Vision 2028: the six principles that matter

Interoperability, security, inclusion, innovation, trust and collaboration—translated into product and operating questions.

1 Jun 2026

Regulation

Instant payments get stronger customer controls from 1 July

The CBN’s new opt-out, limit, liveness and one-device requirements change how instant-payment risk meets user control.

12 Mar 2026

Market note

The terminal question: what hardware changes in acceptance economics

Hardware is one of the least examined costs in Nigerian acceptance. What changes when the separate box disappears?

31 Jul 2026

Market note

Why settlement speed is beating rate in African B2B payments

A payment in transit is an open position. That changes which product promise matters most.

17 Jul 2026

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Public analysis. Private company detail.

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