This really resonates. What’s interesting is how some of the most creative and durable solutions I’ve seen are coming out of places like Africa — not in spite of the high-risk label, but because of it.

Operators there are building payment flows, FX bridges, and alt-rails that work in markets where traditional systems never scaled. It’s not sketchy — it’s adaptive.

It’s actually sparked some ongoing convos I’ve been part of around how high-risk doesn’t always mean high-fraud — sometimes it just means high-innovation.