From Crypto to Payment Infrastructure: How Moolre Survived Africa’s Fintech Reset

Africa’s fintech story is often told through apps, wallets, and transactions. But beneath every successful fintech product is something deeper: infrastructure.In this episode of Building Bytes, we sit down with Yusif Ya-Adzagey, Founder & Managing Director of Moolre Ghana Ltd, to explore what it really takes to build financial systems across Africa—from engineering reliable payment rails to navigating regulation and expanding across borders.From personally building early web and mobile platforms to securing regulatory licensing from the Bank of Ghana as an Enhanced Payment Service Provider, Yusif shares the realities of building fintech infrastructure under African constraints.We discuss:• Building fintech systems from first principles• Why trust matters more than speed in payments• The engineering realities behind moving money reliably• What most startups misunderstand about payment infrastructure• How regulation shapes fintech product design• The realities of licensing with the Bank of Ghana• Expanding fintech products across African markets• Pan-African fintech: operational reality vs startup narrative• Focus, diversification, and building multiple companies• The uncomfortable truths about African fintech• Infrastructure discipline vs innovation hype• The future of financial systems in AfricaWe also explore the Moolre Startup Cup — a four-month buildathon where teams build real products using Moolre’s APIs across Collections, Disbursements, and USSD infrastructure.Featuring:Yusif Ya-Adzagey — Founder & Managing Director, Moolre Ghana LtdHosted by:Caleb LampteyPoga KuofieYayra OforiBuilding Bytes is proudly brought to you by Insights Lab, with production support from Hubtel, and recorded at the studios of Hubtel Academy.Distribution PartnerThis episode is also featured on Tech Labari https://bit.ly/4oCH7CA — Ghana’s leading platform for tech news, insights, and innovation stories.📺 Watch Building Bytes on MX24:Thursdays at 8 PMSundays at 7 PMIf you’re building fintech products, thinking about infrastructure, or curious about the future of African financial systems, this episode is for you.