STONΞ
@StoneAtwine
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co-founder @eversendapp 🔺 (cross-border payments, virtual cards, business banking, payments APIs, stablecoins on/off ramp)
London
Joined October 2007
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Pinned Tweet
📣 Exciting news! 🚀 We're thrilled to offer a sneak peek of our brand-new virtual USD cards for Business! 💳 Perfect for seamless transactions and enhanced spend management. Stay tuned for more details.
Funding by KES, NGN, GHS, RWF, XAF, UGX and stablecoin.
Also available via…
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About 4 years ago, someone I don't remember here on Twitter posted a screenshot of how a wealthy friend of theirs managed his wealth with an Excel sheet. That graphic stayed with me, and I built my own document.
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I will sponsor 100 people (51% must be female) from Uganda, Kenya, Rwanda, Ghana, and Nigeria for
@AltSchoolAfrica
to earn a Diploma and start a career in software engineering. I will put out a Google form in the coming week for applications.
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Build small businesses that make $100-300K a year before building venture backed fast growing startups. Thank me later.
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If the CEO of a very early startup doesn’t write code, then he had better do well at product, finance and growth.
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The essence of the message was that you can't grow what you do not measure. This is my mantra, and one of the worst demands I make at work is extreme measurement.
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Exciting Updates: Making Eversend Virtual USD Cards More Affordable and Convenient
As always, our commitment at Eversend is to provide digital banking solutions that are convenient, cost-effective, and user-friendly. We're excited to announce new updates to our Virtual USD…
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Whatever your role is at a startup, spend a few hours a week in customer service.
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My tweet yesterday generated a lot of buzz. I was invited to a WhatsApp group of entrepreneurs where the question was: How is this possible? 500,000 customers with $1.2M in funding.
My answer:
1. Data-Driven Decision Making:
At the heart of our approach is a maniacal focus…
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Start a company and own equity
Invest in startups
Hodl crypto
#BTC
Buy stock from capital markets
Buy real estate
Work for a lot of cash
Start a side hustle
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Everyone in Nigeria fintech is pumped. Everyone in Africa fintech is pumped by the Paystack/Stripe news. It’s like the whole continent is exiting. 😝
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Because of this tweet, I made my own document, which has my specific situation but mainly includes angel investing, cash, crypto, stocks, bonds, retirement savings, emergency funds, and private companies I have started.
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This is not the end. It is whole new game across all wealth. Stocks, crypto, startup equity, real estate. Technology has given a voice to the masses. Our forefathers were farmers, others were industrialists, this is the age of the investor. Learn or die.
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Live pictures of a fintech startup going about business in Africa.
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MPESA Africa processed $ 371B in the last 12 months. $1B a day.
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Why wallets are the future of payments - a thread.
Payments have traditionally gone through banks, the outdated SWIFT system, and payment networks like Visa and Mastercard. The problem with that system is that it is designed to pay way too many people.
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I’m thrilled to announce that nothing exciting is happening in my life.
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Fintech in Africa is one of the most significant opportunities in history
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Migrant depression = missing home so much. It's cured by going back home every once in a while and being reminded of why you left in the first place.
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Hire founder types who will own things and get stuff done. There’s no time to chase people around in startups.
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The document had values of assets and liabilities in different investments, including stocks, bonds, real estate, emergency funds, etc.
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If you're in tech, want to leave Naija but stay in Africa, Rwanda, Kenya, and Uganda are great.
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The key is to know what you are worth at ALL times, to rebalance your portfolio based on your situation, and to grow wealth. I look at this document every week, but I rebalance it every month.
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Virtual USD cards in Africa just disappeared again. There maybe some expensive options. But another provider just scrapped the product and almost all fintech startups have to withdraw the feature.
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A lot of new startups doing things that older startups have been doing for years. Just doing it with a new home page and better story.
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You’ll be in awe of the products African startups will build with scarcity and over regulation.
World class.
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Someone asked to pick my brain and I said my going rate is $1,000 per hour. They countered with $350 for 30 minutes. We chatted.
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Just revisited our investor pipeline from last year. 310 investors, 148 no responses, 162 pitches, 111 rejections, 38 vague responses, 13 yeses.
This is a startup that had won SLUSH.
It's not for the lack of trying.
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Lady at the immigration office in Paris pointing to me and telling her friend.
“He started a better Western Union”.
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The most foolish thing I hear often is that Africa’s fintech market is flooded with solutions. People have no way to move money across borders within the continent.
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The people pumping money into fintech and crypto are right. We haven’t scratched the surface.
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Africa startup funding is going to be shocking. Every fintech founder I know is investing. Raising $1M for their own startup but investing $10K from crypto gains. We are about to solve the early-stage funding problem.
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Remote is great, until the team is in a communication blackout due to politicians.
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Rihanna. Billionaire. $1.7B
1.4B from cosmetics. $270 from lingerie.
Second richest female entertainer after Oprah.
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The only thing with a higher failure rate than startups is farming.
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How do we create 1,000,000 software developers in Africa? Current estimate is at 700,000.
How do we create 100,000 software developers in Uganda? Currently 14,000.
We should push this initiative.
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The easiest way to the millionaire life is joining a startup that’s taking off.
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This license is granted to Eversend Ltd to carry out the business of lending. 🔥
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Eversend is registered in France, Uganda, UK & now Nigeria. The roots are Ugandan but our HQ is in Paris - we were invited and supported by the French govt.
Eversend is a global app and different people will call us African, French, Nigerian, all right. We focus on building.
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Today is her 6th birthday. I can officially claim elder status.
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😂
When Nigerians discover that instant bank transfers is not a thing outside Nigeria (and India)
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Govt: Go for the vaccine. Doses are going to expire.
Ugandans: No, never.
Govt: We are going to lockdown again
Ugandans: We are all going today. All of us.
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This is important. For example, I stopped angel investing when I realized that I was over-invested in startups directly and through funds from the 2021 boom. Yet, I am under-invested in stocks and retirement funds.
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Based on your age and risk profile, it is important to adjust your percentages to mirror your risk profile. Eg, a 25-year-old guy with his whole life ahead of him can have a lot more holdings in crypto, but a 56-year-old man with a family of 4 would be mad to have that much…
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I’m a frequent flyer. 39 flights last year. I will fly
@UG_Airlines
as much as I can. And our company will advertise with the airline.
As long as service is good, why not?
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The single biggest risk for African fintech is a payments processor.
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🚀 Big news! We're thrilled to announce that
@eversendapp
has been selected for the
@Visa
Accelerator Program! This marks a major milestone in our journey to revolutionize finance. Thanks to
@Visa
and
@PlugandPlayTC
for this opportunity.
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My girl has made it her job to water the flowers in the street every morning on the way to school.
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Paystack, Flutterwave, Opay, FirstMonie, TeamApt, Paga, Kuda, Kudi all have crazy volumes.
Naija.
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My friend who sells timber legit bought an island. And I’m here building a financial technology company.
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I have more thoughts on this, but that's it for tonight. I hope it's helpful.
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Had a chance to explain
@eversendapp
to H.E.
@KagutaMuseveni
. Thanks
@FrankTumwebazek
and the
@MoICT_Ug
team for the invite.
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We received 200 applications for
@AltSchoolAfrica
sponsorship in less than 2 hours. Right now we are at 458 applicants. I will start choosing beneficiaries this week.
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1. Start Africa focused fund
2. Invest only in YC backed companies
3. Relax
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Startups die when teams start operating like big companies sooner than they should. When they lose agency and urgency.
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We are looking for great talent that understands the African fintech landscape.
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If you just got your YC rejection, remember that it has no reflection on your startup. Maybe they didn’t understand the opportunity. A lot of great and some lousy companies have been accepted by YC. And many great companies have been rejected. Keep grinding.
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I’ve never seen opportunity like we have in Africa. Clean canvas.
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If you can get into these startups, do it.
Klasha
Float
Fliqpay
Brass
Ando
Do not say I don't give you deal flow. 😃
*Not financial advice.
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I crossed the road on Oxford Street and heard: "Are you Atwine? The fintech guy?" I had never met
@GOduneye
. We spent 40 minutes discussing African fintech. He is an investor in many African startups like Kuda and AltSchool Africa.
I am also hard to miss with the same shirt and…
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Thinking about how Onlyfans is able to get $5.6B in revenue with 53 employees.
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Fintech is very easy if you don’t know what you are doing. And extremely hard of you know what you’re doing.
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Raising funds at the (pre-)seed level is becoming tougher. Investors now seek tangible proof before investing. Yet gaining traction without initial funds is a big challenge.
Founders now need to become outliers besides having great ideas.
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What if I told you that we have a plan to bring to Africa those loan interest rates you see in the West?
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Kuda, the African challenger bank, raises $55M at a $500M valuation – TechCrunch
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The independence I am looking for is having enough passive income to cover ALL my monthly expenses whether I work or not.
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Fintech founders not looking at building in the crypto or DeFi space are irresponsible. Exactly like the banks they seek to disrupt.
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Founders, never ever listen to anyone who hasn’t built something before. However smart they seem.
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The mobile money we will see MTN building in Nigeria is unlike what they have in Ghana or Uganda because Nigeria is a unique market with advanced banking. I would say it's between SA and Kenya. Not even MTN knows what it will look like at this point. That's why it is exciting.
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Your bank secretly charges you between 5% and 15% in foreign exchange fees when you pay a dollar bill like Netflix, Apple or Facebook ads with your local currency card. Create an
@eversendapp
virtual dollar card and save money when you pay online.
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1. Raising two more rounds to get to maybe 1B valuation would have diluted the founders further.
2. They’re joining Stripe, they’ll get Stripe stock. Literally the coolest fintech company in the world. That stock will grow faster than it would have grown as Paystack.
Do you think Paystack exited too early?
Join the conversation on Community:
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I have a lot of respect for startups that spend time building foundations and focusing on getting product-market fit and unit economics vs getting disoriented by massive valuations and senseless hiring.
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When we have enough passive income to pay our monthly bills without sweat, we can start looking at building that massive house.
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This VW came off the assembly line in Rwanda last week. It has 400km on the clock. It was my ride from the airport to the hotel for
#TAS2018
. VW is planning an Uber like service for these cars assembled in Rwanda. Progress
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Announcing $3 Million Investments in 13 African Startups in 2021 - Future Africa.
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Founders, don’t get discouraged by a single rejection. You’ll get rejected 100s of times. More so if you’ve got a dark skin, a strong accent or you’re female.
It’s their loss, keep moving, keep building. Keep your head up. Be a tardigrade.
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The global
@eversendapp
team is getting together and our first order of business is assembling furniture for our Uganda office. 😂
Femi: “I signed up for Design, not carpentry”
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The African parent's pension when they are 70 is the children they took to school. Unfortunately, starting with my age, millennials, it seems the kids will not be our social security safety net. They have a different thought process.
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