"In traditional finance, payment and settlement are two different things. A payment is the instruction to move money (like a swipe of a credit card). Settlement is the actual movement of the underlying asset. In Africa’s current banking landscape, settlement is a game of digital promises. Because local banks often lack direct relationships with one another across borders, they rely on a global web of intermediaries. A stablecoin settlement layer, however, is a blockchain-based rail where the payment and the settlement happen simultaneously."