Announcements, and what we are reading in the market.

Building in public: where ChampPay is, honestly

Most early-stage payments companies describe a finished product. Here is a stage-by-stage note on what is built, what is in progress, and what is still a plan on paper.

The terminal question: what 5.9 million POS devices actually cost Nigeria

Hardware is the least examined line in Nigerian acceptance economics. We looked at what removing the box would change for the merchant at the bottom of the curve.

Why settlement speed is beating rate in African B2B payments

Operators across the region keep saying the same thing: being caught in a currency window costs more than a slightly worse price. That has consequences for how infrastructure should be designed.

ChampPay publishes its first public site

A short note on why the site says what it says, and why it does not claim capabilities the company does not yet have.