Building stablecoin infrastructure for financial inclusion | CEO @Haraka_xyz | Writing about behavioral econ in fintech, UBI, and emerging market payments | Ex:
New York
Joined August 2009
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Will L. retweeted
Today we are shutting down the Bondy app and winding @Haraka_xyz down.
We started Haraka with a mission to bring financial access to people around the world marginalized by the traditional financial system. We advanced that mission over the last two years by giving loans to farmers in rural Ghana, credit scores to shopkeepers in Nairobi, and access to dollar savings accounts to freelancers in Nigeria.
We gave it everything we had, and while we didn't find the path to scale, we're grateful for every person who joined us on this ride. The mission lives on. Thank you.
Interesting to see hard data behind what we know to be anecdotally true: LATAM and Africa are rotating into stablecoins as a way to hold foreign currency deposits.
Shame this only goes to 2024 - anyone know of data thru 2026?
Source: IMF Understanding Stablecoins 2025
imf.org/en/publications/depa…
Will L. retweeted
Every screen. Every flow. Every pixel. The @Haraka_xyz brand. The Bondy rebrand. The logo. The UI. The social media. The component library. The onboarding. The dev handoffs across two markets. One designer. In the hands of 10,000+ users.
Will L. retweeted
This International Women's Day we're highlighting the women powering Bondy. Starting with @just_i_m_a, our product designer and the person responsible for literally everything you've ever seen from us. Jack of all trades when it comes to design. Master of all.
And we're live! After months of work - excited to introduce a fresh and redesigned Bondy.
We built Bondy for a new generation of hustlers who earn globally but spend locally, with a bunch of added features that makes that experience seamless.
You can just open a USD account that earns 10%.
You can just spend locally without thinking about FX. You can just do things.
Now live in Nigeria 🇳🇬 and Kenya 🇰🇪
Sign up at getbondy.co
Anyone surprised that retail stablecoin adoption is higher in Nairobi than New York?
"Among respondents, a higher proportion own stablecoins in low and middle-income economies (60%) than in high-income ones (45%), with Africa leading at 79%" - info.bvnk.com/utility
The mother of adoption is necessity.
Will L. retweeted
Tokenization is the next step in a long, consistent evolution of financial markets toward greater speed, reach, ubiquity, and portability.
Stablecoins proved that blockchain infrastructure can operate at scale for core financial assets. Securities are next. They remain constrained by legacy settlement, fragmented ownership records, and layers of intermediaries that are no longer necessary.
@SuperstateInc is built around this transition. By combining an SEC-registered transfer agent with native blockchain infrastructure, it enables securities to move onchain without changing their legal form or regulatory treatment.
The result is not just faster settlement, but a fundamentally different market structure: real-time ownership, programmable corporate actions, and direct issuer-investor relationships.
I don't know who needs to hear this.
If presented currency options (local or home) when using your credit card abroad, always choose local.
sciencedirect.com/science/ar…
Will L. retweeted
Access to credit is the biggest barrier for micro-entrepreneurs in emerging markets—especially women & informal workers left out by banks.
We’re joining a live convo next week to share what actually works from our DeFi pilots in Colombia, Ghana & Cameroon.
Name a more killer combo: cutting edge tech + global challenges + spicy takes 🔥
@Haraka_xyz
Real-World DeFi: Lessons Driving Financial Access
🗓️ Tue Nov 25
⏰ 4pm EAT | 8am Colombia | 9am ET
@quipulatam @FreeWillLe @Haraka_xyz @REasy + Njeri Muhia MCV @MCSocialVenture on building trust, low-tech usability & how to reach the excluded.
👉 lnkd.in/e-mDDhiN
If you're working on AI for financial inclusion, peep this great funding opportunity from our friends at @MCSocialVenture
mercycorpsventures.com/blog/…
There’s a reason Devcon/nect is my favorite crypto conference. Good vibes, less shilly, awesome cities 😊
Excited to be participating and representing @Haraka_xyz at the @thestablecon '26 EMEA.
Stablecoins have been 🔥 lately and I'm excited to be part of a conference that showcases the unique opportunities in Europe, Middle East, & Africa.
Will L. retweeted
Recently, @MCSocialVenture & @grameenfdn partnered with @Haraka_xyz and demonstrated what real-world DeFi can look like:
👉 $57,000 disbursed in cGHS stablecoins
👉 500+ borrowers in rural Ghana got credit in under 5 minutes
Stablecoins + smart contracts worked invisibly in the background. Onboarding and abstraction powered by Para ✴️
Since day one, our goal at Haraka has been to make stablecoin adoption for financial inclusion feel invisible, not a new system people have to learn, but a better one running quietly underneath.
This pilot with @MCSocialVenture & @grameenfdn proved exactly that: stablecoins, smart contracts, and social trust working together to deliver < 5 min credit to 500+ borrowers in rural Ghana without the crypto jargon.
Real-world DeFi. Invisible, fast, and human-first.
