2026 in African fintech is straight Endgame.
Build one feature and the big boys will smoke you. M-Pesa, Flutterwave, Opay — they already own the table. If you’re only fighting for crumbs, you’re finished.
That’s why we’re not building “another wallet.” We’re wiring the whole damn game — one wallet, one marketplace, one Africa.
Founders in the trenches: what’s the hardest part going from a clean product to owning the full ecosystem? Drop it below.
For some reason,
Our politicians get this wrong....
You studied at the University of Nairobi, you got your grit from Africa,
Then send your kids abroad.
For some reason, even the kids cannot amount to much.
The innovative minds that have built @heko_pay or Mpesa are in Africa
They're not in Europe, even the most innovative models are here!
I sometimes think that Central Banks in Africa should bar anyone with a career in IMF or World Bank from running our central banks.
They tend to have their allegiance to their former bosses.
Same case with politicians from outside.
Africa's best talents are in Africa.
We know our challenges, we can innovate.
If you have to send your kids abroad to study some degrees and you know the ones I'm talking about....not the kind that changes the scope of industrialization.
Take your kids to China or Singapore at least and let them go and study engineering.
Chairman Mao initially opposed Chinese talents leaving China until he looked at getting them to understand innovations from outside to bring them to China.
China won in this game. Is there a more industrializing country than China ?
Kenya, Ghana and many Africans nation should perhaps borrow this policy.
Students interested in engineering should get sponsorship on engineering nations.
Perhaps then we can change African landscape.
Or what do you think ?
I'm not going to say that I will change how the banking ecosystem works now that I have built @heko_pay
Or the fact that I'm asking Africans to Claim the Continent with Hekopay as we build a One Wallet. One Marketplace. One Africa vision....
I have had to rewrite it!
@MwangiEMaina And I'm shining,
@heko_pay is shining, showing Tkash dust already! I can't believe we do 4times their volume despite going live late last year!
That's a massive win by the way!!!
Excellence Gives People Platforms.
If you are excellent, platforms will find you!
Representing @heko_pay last Week at the @ghcnairobi with H.E Mr. Paul Evans the High commissioner of Ghana to Kenya.
Advancing IntraAfrican Trade. @Ghana@GhanaPresidency@PulseGhana
@C_NyaKundiH It's high time Kenyans started investing in startups at this point.
We can do a royalty structure that works perfectly for you.
@heko_pay is an example.
Saccos have been laying low on progressive investments.
This gov lakini! Awuoro
I did an experiment with my neighbor, I told him I had 5000 kes to invest in, for Sankara.
Sankara is an investment management company with 3 key focus, Intellectual Property, Inventory factoring and Global stocks.
my priority is @heko_pay. So I created a weighted portfolio
Three months of my transaction fees accumulated and got me a new phone!
All on Hekopay!
Sign up today and get started.
https://t.co/LKEm0sAj70
#HekoPay@heko_pay#TransactionFess#BNCT
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Today, we celebrate every mother, guardian, mentor, and strong woman whose love inspires us daily. 🌸
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