💯

Patriot | Thank you for your attention to this matter.

[💯 @oderayi]

@OzorNdiOzor I can testify to this. My experience with @Starlink support has been exceptional.

[Smart👨‍💻 | Software Engineer @smartnakamoura]

Nigerian fintechs process millions of transactions daily.

Most of them lose money on every single one.

Not because they’re incompetent, because the unit economics of Nigerian payments are quietly broken 🧵

[Akintola Steve @Akintola_steve]

There’s a career trap a lot of Nigerian developers fall into without even noticing.

Most Engineers optimise for breadth instead of depth.

React today, NestJS tomorrow, Django after that, then Go, then Rust, then whatever framework is trending next week.

Every new tech feels like progress because it adds another line to the CV.

But none of it actually builds a reputation.

One thing you all should know is this: developers who are getting the highest leverage in the Nigerian remote market right now are not the ones who know the most tools.

They’re the ones who are known for something specific.

“The engineer who builds payment systems.”

“The engineer who can scale Node.js services to serious traffic.”

“The engineer who understands Nigerian fintech infrastructure deeply.”

That kind of clarity compounds over time.

A wide skill set without a clear identity just becomes a long list of things you’ve touched.

At some point, it stops being about what you can use.

It becomes about what people associate you with.

So, as a person, here's my advice:
Pick a lane, go deep, then stay there long enough for it to start speaking for you.

[💯 @oderayi]

@OfficialSamkayz I beg to differ on Javascript. Mojaloop is one of the largest payment systems in the world, open source, its core is built entirely with JavaScript.

[Smart👨‍💻 | Software Engineer @smartnakamoura]

The reason Opay or Palmpay transfers feel faster than GTB isn’t magic.

They debit you instantly from internal ledgers.

NIP settlement comes later.

They’re essentially lending you your own money for 30 seconds while they settle with the network.

It’s a float play disguised as speed.

[Smart👨‍💻 | Software Engineer @smartnakamoura]

What is the one thing a traditional bank app does better than your favorite consumer fintech? And please don’t say having a physical branch😂

[Smart👨‍💻 | Software Engineer @smartnakamoura]

Every time you swipe a card, tap a POS, or send a transfer in Nigeria someone is taking a cut.

Most Nigerians have no idea who that someone is.

Let me show you who actually owns Nigerian payment infrastructure 🧵

[Facts but not figure @0xchaindevs]

Nigeria's Financial Revolution: From CBN to NIBSS, Banks and Fintechs

Twenty years ago, sending money in Nigeria was an exercise in patience.

You filled paper deposit slips.

Queued for hours.

Transfers took days.

And the phrase "network is down" was almost a national anthem.

Then something remarkable happened.

Quietly, almost unnoticed, Nigeria began building one of Africa's most sophisticated financial systems.

At the center sits the Central Bank of Nigeria (CBN), the regulator responsible for monetary policy, banking supervision, and financial stability.

Behind the scenes is NIBSS (Nigeria Inter-Bank Settlement System), perhaps the most underrated institution in the country.

Most Nigerians may never hear its name, yet millions rely on its infrastructure every day.

When you transfer money from Access Bank to GTBank, pay with your card, use USSD, or receive an instant transfer from a fintech, chances are NIBSS is somewhere in the background making it possible.

Then come the banks.

For decades, traditional banks dominated the landscape.

They built branches, ATMs, and digital platforms.

Institutions like Zenith, GTBank, Access Bank, UBA, and First Bank transformed from local players into continental giants.

But innovation rarely sleeps.

Enter the fintechs.

Flutterwave.

Moniepoint.

OPay.

PalmPay.

Kuda.

PiggyVest.

Cowrywise.

Paystack.

These companies reimagined banking.

They simplified payments.

Expanded financial inclusion.

Brought millions into the formal financial system.

And forced traditional banks to innovate faster.

Today, a trader in Kano can receive payments instantly.

A student in Enugu can save digitally.

A farmer in Benue can access financial services through an agent.

A freelancer in Lagos can receive international payments.

This transformation has made Nigeria one of Africa's fintech capitals.

Yet challenges remain.

Fraud.

Cybersecurity.

Regulatory uncertainty.

Foreign exchange volatility.

Infrastructure constraints.

Power shortages.

And the delicate balance between innovation and oversight.

The relationship between regulators, banks, and fintechs often resembles a family argument.

Banks accuse fintechs of disrupting the system.

Fintechs accuse banks of moving too slowly.

Regulators attempt to maintain order.

And NIBSS quietly keeps the pipes running in the background.

But perhaps the greatest achievement is this:

Despite its imperfections, Nigeria has built a financial ecosystem capable of processing trillions of naira monthly and serving over 200 million people.

That is no small feat.

The next chapter will not be won merely by having more banks or more fintech startups.

It will be won through trust.

Through stronger infrastructure.

Through cybersecurity.

Through better regulation.

And through creating a financial system that works not just for the wealthy and urban populations, but for every Nigerian.

Because in the end, finance is not about apps.

It is not about banks.

It is not even about money.

It is about enabling people to live better lives.

And on that journey, Nigeria's financial story is only just beginning.

🏦💳📱🇳🇬

[💯 @oderayi]

@sower_design @smartnakamoura 😂😂😂 In Nigeria, it must be hard.

[Pat Utomi @UtomiPat]

Dickson, Obi, Kwankwaso have a historic opportunity not because they are special but because providence may have decided to grease the machine of Nigeria’s democracy through their partnership. They have a duty to posterity to keep their eyes on the ball. This is how men are made

[💯 @oderayi]

@firstladyship Light vs darkness war in plain sight.

[Adedayo Agarau @adedayoagarau]

I personally want Obi as Nigeria’s president so people can see that you can be upright, be respectful, be a Nigerian, be law-abiding, have no criminal case and still win in Nigeria. Obi’s presidency is good for Nigeria’s moral compass.

[💯 @oderayi]

@hthieblot https://t.co/qp4yfI1Xly

[Chibuenyi (Retribution) @TheAmenReigns]

The kidnapped victims are here but your government is not interested in saving those little children. The coordinates are ready if needed.

[iAmSolution_Now! @hyzinkfm]

I never imagined I would be making this kind of plea.

My wife, Dasola, went in for a Caesarean Section to deliver our baby, but what should have been the happiest moment of our lives suddenly became a fight for survival.

She developed severe sepsis after surgery, leading to

[Dele Farotimi. A victim of Nigeria @DeleFarotimi]

You have a right to be foolish, I wouldn’t judge you for that. I have been foolish long enough to learn not to condemn the fool. But you have no right to be evil, and to support a continuation of Nigeria in its current form, is to be complicit in the evil that it is..

[Nayib Bukele @nayibbukele]

The best hospital in Central America.

With every medical specialty, the most advanced technology in the world, and top-quality care.

Public. Dignified. Free. For everyone.

[Mr Imbuya @Imbuya_media]

"Don't be deterred by their threats to rig elections. This time, our votes must count. If it doesn't count, those who refuse count it, we will count them."

- Peter Obi on 2027 elections.

[💯 @oderayi]

@RealMolao 🤣😀🤣

[Ted Cruz @tedcruz]

I am deeply concerned about what we are hearing about an Iran “deal,” being pushed by some voices in the administration.

President Trump’s decision to strike Iran was the most consequential decision of his second term. He was right to do so, and we achieved extraordinary military results—including destroying all of their missiles & drones and sinking their entire navy.

If the result of all that is to be an Iranian regime—still run by Islamists who chant “death to America”—now receiving billions of dollars, being able to enrich uranium & develop nuclear weapons, and having effective control over the Strait of Hormuz, then that outcome would be a disastrous mistake.

The details are still coming out—and I pray the early reports are wrong—but the fact that Biden’s Rob Malley is praising the deal is not encouraging.

President Trump believes in peace through strength, and his strong leadership has already made America much safer. He should continue to hold the line, defend America & enforce the red lines he has repeatedly drawn.