Scaling Crypto? There's an App for That. Onboarding Millions in Africa with MiniPay
summary
MiniPay is a self‑custodial ERC‑20 stablecoin wallet built into Opera Mini and launched under a year ago, claiming 3M+ activated accounts and over 1M P2P transfers in October. It maps phone numbers to on‑chain addresses via Celo Social Connect, charges ~0.1¢ per transfer, provides phone-number login and automatic key backup, and exposes embedded web MiniApps plus a standalone Android app. Money movement focuses on low‑value local payments with one‑to‑one drag‑and‑swap “pockets” that use a mental protocol for low slippage.
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