How Africans Use Stablecoins to Beat Inflation in 2025

Key takeaways: 

• Stablecoins are now everyday tools for savings, payments and trade in Nairobi and Lagos.

• Inflation, FX swings and high remittance costs drive adoption.

• Mobile money links make stablecoins feel familiar and practical.

• Risks remain around reserves, scams and shifting regulations.

On a Tuesday morning in Nairobi, Amina invoices a client in Berlin. By the afternoon, USDC has landed in her wallet, and within minutes, she cashes out to M-Pesa. What once felt experimental is now routine, thanks to services like Kotani Pay that tie stablecoins to…