Why Africa Needs a Purpose-Built Web3 Infrastructure

Global blockchain solutions often assume high smartphone penetration, stable financial institutions, and uniform regulations. In Africa, the reality is different: many people rely on feature phones, transact in cash, and live in regions with currency volatility, lack of identity infrastructure, or limited cross-border financial access. Despite these challenges, Africa boasts a digitally savvy and youthful population, as well as a $3 trillion informal economy that is dynamic and adaptable.

TLC Bridges Formal and Informal Finance

At the core of the TuluPay ecosystem, TLC (Tulu Coin) fuels seamless movement between cash, digital assets, CBDCs, and stablecoins. It enables:

• Low-Cost Cross-Border Remittances:
  Send money instantly from Ghana to Nigeria, convert to eNaira or NGN, and use TLC as a gas fee, all without traditional remittance charges.
• Digital Identity for the Unbanked:
  With Hashgraph powered ID trust solution, TLC unlocks access to savings, loans, and compliant finance for people without formal documentation.
• Multi-Currency Control in One Wallet:
  Store TLC alongside TuluUSD, USDT, and national currencies using the Tulu Wallet for flexible financial management.
• Enterprise and Government Integration:
  Power programmable money for NGOs, merchant payouts, and verified digital cash transfers all within a regulatory-ready framework.

Why This Matters in Africa

Africa’s financial systems are fragmented and uneven. Transaction fees remain high. Identification is often missing. Banking access is limited. And informal trade dominates.
TLC is not a generic token trying to fit in. It is a purpose-built digital asset addressing these issues through ultra-low transaction costs, local currency support, mobile-first compatibility, and regulatory flexibility.
That’s why it matters. TLC turns Web3 from a concept into a practical infrastructure for real African economies.

Who Benefits

• Individuals: migrants, students, and families using TLC to send or receive funds quickly and affordably.
• Businesses: E-commerce, freelancers, and vendors accepting global payments and settling locally in seconds.
• NGOs & Governments: For aid disbursement, digital cash transfers, and identity-based subsidies in rural areas.
• Developers: Building mobile-first DeFi apps, CBDC wallets, or tokenised lending products powered by TLC.

Use Cases in Action

• Ghana to Nigeria: A freelancer receives TLC and cashes out as NGN with no remittance cost.
• Kenya’s Digital Agriculture: An agribusiness pays farmers in TuluUSD (backed by TLC), creating an inclusive and stable income system.
• Microfinance in Rwanda: A farmer stakes TLC to access a small loan in stablecoins.
• Government Payouts: NGOs use TLC-powered wallets to deliver real-time, programmable disbursements to verified users via mobile money.