乇𝐦ᗰｙ

Decentralized Finance • Web3 Content

[乇𝐦ᗰｙ @iamemmy01]

Another week to get the grind on

GM @SwapsicleDEX
GM @TekikaAdventure
GM @pxlgames_xyz
GM @Rivera_Money_
GM @conkisgame
GM @MeridianFi
GM @zkerafi
GM @altura

GM to every project building on $TLOS

[Alex Onyia @winexviv]

There’s a silent disaster happening in Nigeria that nobody wants to confront honestly.

We keep shouting about unemployment, bad leadership, low productivity, corruption, poor healthcare, failed institutions and why our country is not working. But many people are avoiding the root cause.

Our education system has been deeply compromised.

A student enters secondary school or university full of dreams, intelligence and potential. Then the system teaches them something dangerous:

“You do not need competence to succeed.”

WAEC malpractice. NECO malpractice. GCE runs. Sorting. Sex for grades. Extortion. Intimidation. Victimization. Handout rackets. “See me after class.” “Talk to your lecturer.” “Settle this course.”

And after 4 or 5 years of surviving that environment, we expect excellence to magically appear.

It won’t.

A country cannot repeatedly reward dishonesty in classrooms and expect integrity in government offices, hospitals, engineering sites, courtrooms and businesses.

This is where many of our unemployable graduates are coming from.

Not because Nigerians are not intelligent.
Not because our youths are lazy.
But because too many people were trained inside a system where merit was murdered.

The painful part is this:

UNN, UNILAG, FUTO, ABU, UI, IMSU, ABSU and many others are using largely the same NUC-regulated curriculum.

The difference is standards.

The universities that still command respect are usually the ones with stronger resistance against sorting, extortion and academic fraud.

The ones collapsing in reputation are often the ones where corruption became normalized.

Once a student realizes they can buy an “A” with ₦20,000, or sleep their way through a course, or manipulate results through connections, the motivation to truly learn starts dying slowly.

And when millions of such graduates enter the labor market, the entire country pays the price.

That weak engineer may eventually supervise a bridge.

That poorly trained nurse may handle a patient.

That compromised accountant may manage public funds.

That fake first-class graduate may become a lecturer and reproduce the same cycle again.

This is no longer just an education problem.

It is a national security problem.

Countries become great because they protect competence fiercely.

Singapore did it.
China did it.
Germany did it.
South Korea did it.

You cannot build a first-world country with a third-world attitude towards education integrity.

Nigeria does not have a shortage of talent.
Nigeria has a shortage of systems that protect excellence.

And until we become ruthless about fighting academic corruption, exam malpractice, sorting, sex-for-grades and institutional intimidation, we will continue producing certificates instead of competence.

This fight is bigger than schools.

It is about the future survival of Nigeria itself.

[Techloy @techloy]

We’re officially launching the Techloy Community, and you’re invited to be part of it from day one.

As part of the launch event, we'll be having a live session to discuss the topic: 👇

Will AI take our jobs or create better ones?

This is one of the biggest questions in tech right now and we've brought in speakers with massive experience in the tech space to share their insights on this topic.

Join our live session where we break down:

- What AI means for jobs today
- The skills that will matter going forward
- How to position yourself to stay ahead

This isn’t just a conversation, it’s the start of something bigger.

📅 May 1, 2026
🕓 4:00 PM (WAT)
📍 Techloy Community via Circle

Save your spot.
Click the link in our bio.

[Gap | Suby @gaspardlezin]

I sent $1,000 from New York to Lagos through 8 payment rails. The best delivered ₦1,400,000. The worst delivered ₦1,323,000. That ₦77,000 gap = one month of groceries for a family in Lagos.

Yesterday's rail comparison got sharp feedback. The strongest critique: "Try this on a low-liquidity corridor. I bet stablecoins don't look the same."

Fair. So I redid the experiment on the hardest corridor I could find: Nigeria.

𝗪𝗵𝘆 𝗡𝗶𝗴𝗲𝗿𝗶𝗮 𝗯𝗿𝗲𝗮𝗸𝘀 𝘁𝗵𝗲 𝘂𝘀𝘂𝗮𝗹 𝗻𝗮𝗿𝗿𝗮𝘁𝗶𝘃𝗲:

The Naira isn't one currency. It's two.
→ The official CBN rate: ₦1,345 per USD. Banks, SWIFT, Wise, Western Union must use it.
→ The parallel market rate: ₦1,400 per USD. It's where real dollar supply meets real demand.

That 4% gap isn't a fee. It's the government pricing the naira higher than anyone is willing to pay for it.

𝗪𝗵𝗮𝘁 $𝟭,𝟬𝟬𝟬 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗱𝗲𝗹𝗶𝘃𝗲𝗿𝗲𝗱 𝗶𝗻 𝗟𝗮𝗴𝗼𝘀:

🥇 USDT P2P: ₦1,400,000 (30 sec, $0.01)
🥈 Yellow Card: ₦1,393,000 (2 min)
🥉 Bitcoin: ₦1,393,000 (~10 min)
4️⃣ Sendwave (International Remittance): ₦1,372,000 (15 min)
5️⃣ Wise: ₦1,344,000 (CBN rate)
6️⃣ Swift: ₦1,344,000 (3-7 days, $50 fee)
7️⃣ Western Union: ₦1,330,000
8️⃣ PayPal Xoom: ₦1,323,000 (5.5% hidden spread)

𝗛𝗲𝗿𝗲'𝘀 𝘄𝗵𝗮𝘁 𝘁𝗵𝗲 𝗰𝗼𝗺𝗺𝗲𝗻𝘁𝗲𝗿𝘀 𝘄𝗲𝗿𝗲 𝗿𝗶𝗴𝗵𝘁 𝗮𝗯𝗼𝘂𝘁:

That USDT P2P rate only exists because someone, somewhere, holds naira and wants dollars. The P2P desk IS the off-ramp. It's real infrastructure, with real liquidity risk.

But here's what they couldn't see on the Paris–NY corridor:

In a dual-rate economy, stablecoins aren't just faster. They give you access to a different price. The real price.

Nigeria has the world's 2nd-largest P2P crypto volume. Not speculation. Access to the actual dollar rate, without flying to Lagos with a suitcase.

The next decade's fintech question isn't "will stablecoins replace SWIFT?"
It's "what happens when 2 billion people in dual-rate economies realize they can bypass the official channel?"

₦77,000 on $1,000 tells me the question is worth asking.

PS: I'm the founder of @subyhq and I weekly posts on payments, stablecoins, and building across borders. Follow for more.

[rosie @therosieum]

https://t.co/txiQ9eSxY3

[Stacy Muur @stacy_muur]

My forecast for 2026:

• Many crypto-native VCs will put investments on hold.
• Many startups from 2024-2025 will be wiped out.
• Many emerging creators will give up and stop posting.
• Many users will exit.

And this is good.

The last few years inflated this space with low-value, mercenary capital.

VCs invested to sell early.
Projects were built to raise and launch tokens.
Users were testing things to win an airdrop.
Bloggers were posting to get farm yaps/snaps/xeets.
The life cycle of a protocol shortened from years to months.

We've built a factory of hidden exit liquidity and legal scams where real value simply could not find its way through the noise.

We're in the era of disillusionment now.
And after disillusionment comes efficiency.
And it is good.

[Nikita Bier @nikitabier]

We are revising our developer API policies:

We will no longer allow apps that reward users for posting on X (aka “infofi”). This has led to a tremendous amount of AI slop & reply spam on the platform.

We have revoked API access from these apps, so your X experience should start improving soon (once the bots realize they’re not getting paid anymore).

If your developer account was terminated, please reach out and we will assist in transitioning your business to Threads and Bluesky.

[DIGITEK 👑🇬🇧 @DigiTektrades]

Keep showing up.

That's the real alpha 📌

[乇𝐦ᗰｙ @iamemmy01]

Alpha: Get in on @solflare campaign

https://t.co/V3KXmrKQwo

[乇𝐦ᗰｙ @iamemmy01]

Toxic bosses that owe salaries and treat their staff like trash would be in this CS too gaslighting their workers.

Don't worry, that world that is very small would soon wrap itself around your neck.

[Aminu Dalhat @AminuDalhat]

If you are resigning, I beg of you, do it professionally.

Don't burn bridges. Give that notice.

Be at your best during the transition period.

Corporate world is very small.

[乇𝐦ᗰｙ @iamemmy01]

People wey don die with little or no relevance in their times, go siddown cross leg for grave dey dictate how you go live your life in the name of culture and religion... Oya nau!

[乇𝐦ᗰｙ @iamemmy01]

Where can I stake on this to hit 1billion views before November ends.

Has any tweet from this demograph pulled such numbers before?

[乇𝐦ᗰｙ @iamemmy01]

OMNERA (❗️Time Sensitive )

⌛️ Ends Nov. 25

▫️Click this link
https://t.co/8EHm7czYAr

▫️Connect your X
▫️Complete simple quests
▫️Climb Leaderboard

#OmneraUSD

[HaHa Wallet 😂 @haha_app]

1/ The best time to use HaHa Wallet was from 19th February...

The second best time is now.

HaHa Wallet is launching a token.

Introducing $HAHA - your ticket to something big on @monad.

And your Karma points matter.

[乇𝐦ᗰｙ @iamemmy01]

Early Badge ✅
Testnet V1 ✅
Testnet V2 ✅

Now grabbed my Incentiv Chip, heard it's the final checkpoint before Incentiv's next phase.

And one step closer to what the ecosystem’s been building toward.

→ https://t.co/CYV2tlbDWs

[Polygon | POL @0xPolygon]

Africa’s largest payments infra provider just made its move onchain.

@theflutterwave has chosen Polygon as its default blockchain to launch low-cost cross-border stablecoin payments for millions of consumers and global corporations, like Uber and Audiomack.

This marks one of the largest real-world stablecoin deployments in emerging markets to date, spanning 30+ African countries.

[乇𝐦ᗰｙ @iamemmy01]

I mean, if I'm going to have to pay tax on airdrops, Tinubs needs to step in on this Monad matter

Ministry of Eligibility or something

[乇𝐦ᗰｙ @iamemmy01]

@wotcabal Bullish on this

Check out this project @realicesther @Bobonkiti4

[乇𝐦ᗰｙ @iamemmy01]

Joining the WOTBOARD campaign

LFG!!

[乇𝐦ᗰｙ @iamemmy01]

Welcome to the 10 days of the 10k squad

11 giveaways 🎁 + 1.3M rewards🏆

Go mint yours and start your journey:
https://t.co/agtAtBjQgm