這篇文章討論了南非從現金支付轉向無現金支付的轉變，這是由南非儲備銀行的舉措推動的，例如PayShap計劃。影響這一變化的因素包括信任問題、交易費用以及疫情的影響，導致即時支付解決方案的顯著增長。

根據南非儲備銀行(SARB)數字支付路線圖，幾乎一半的南非成年人在資金存入他們的銀行帳戶後立即提取所有資金。

這種行爲是由多種因素驅動的，例如對銀行缺乏信任、與卡支付相關的交易費用以及商家在非正式經濟中對卡的接受度有限。銀行還指出，紙幣和硬幣的需求幾乎沒有增長，2023年下降了0.8%。

傳統上，現金使用與經濟增長成正比，但在新冠疫情之後，這一模式發生了變化。

![](http://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)儲備銀行行長 Lesetja Kganyago 表示，南非人過於依賴實物現金，應該轉向更安全的支付方式。

話雖如此，南非人正在迅速接受無現金支付方式，包括信用卡和借記卡，以及像PayShap這樣的新系統。南非儲備銀行還旨在將國家經濟向無現金未來過渡。

當地銀行通過快速支付計劃(RPP)，稱爲PayShap，正在推動無現金支付的增長。

於2023年3月推出的PayShap是一種低支付移動系統，參與的銀行有九家，具體如下：

* 第一國家銀行
* ABSA
* 萊利銀行
* 標準銀行
* 發現銀行
* Capitec 銀行
* 泰姆銀行
* Investec 和
* Sasfin 銀行

參與 PayShap。

南非最大的銀行標準銀行報告稱，由於PayShap的日益普及，即時支付有所增加。

在過去的一年中，註冊PayShap的標準銀行客戶數量增長了9%，而ShapID在交易中的活躍使用同比激增了817%。

 

*“這些數據清楚地表明，消費者越來越尋求更便捷的支付解決方案。他們希望他們的交易能夠立即完成，”* 斯坦德銀行南非支付部門負責人魯法伊達·漢密爾頓說道。

*“即便是我們其他的即時銀行間交易，超越了PayShap，也持續增長，突顯出我們客戶對即時支付日益增長的偏好。”*

 

平均的 PayShap 付款已降至 R498 ($28.30)，低於 2024 年第一季度的 R594 ($33.75)。漢密爾頓強調，這一下降反映了使用 PayShap 進行微支付的趨勢，表明該平台旨在快速、低成本的日常交易，正在發揮其作用。

自2023年3月推出以來，整個支付行業已處理超過7420萬筆PayShap交易，總額達460億($26.4億)。

The essay discusses South Africa's shift from cash to cashless payments driven by the South Africa Reserve Bank's initiatives like the PayShap programme. Factors influencing this change include trust issues, transaction fees, and the pandemic's impact, resulting in significant growth in instant payment solutions.

According to the South Africa Reserve Bank (SARB) Digital Payments Roadmap, nearly half of South African adults withdraw all their funds from their bank accounts immediately after they are deposited.

This behavior is driven by factors such as a lack of trust in banks, transaction fees linked to card payments, and limited acceptance of cards by merchants in the informal economy. The bank also noted minimal growth in the demand for banknotes and coins, which decreased by 0.8% in 2023.

Traditionally, cash usage increased in line with economic growth, but the pattern shifted following the Covid-19 pandemic.

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)Reserve Bank Governor, Lesetja Kganyago, says that South Africans rely too heavily on physical cash and should shift to safer payment methods.

That said, South Africans are quickly embracing cashless payment methods, including credit and debit cards, as well as new systems like PayShap. The Reserve Bank also aims to transition the country’s economy toward a cashless future.

Local banks, through the Rapid Payments Programme (RPP) dubbed PayShap, are driving the growth of cashless payments.

Launched in March 2023, PayShap is a low payments mobile system with nine banking participants, namely:

* First National Bank
* ABSA
* NedBank
* Standard Bank
* Discovery Bank
* Capitec Bank
* Tyme Bank
* Investec and
* Sasfin Bank

participate in PayShap.

 Standard Bank, South Africa’s largest bank by size of capital and assets, reported an increase in instant payments fueled by the increasing adoption of PayShap.

Over the past year, the number of Standard Bank clients registering for PayShap grew by 9%, while the active use of ShapID for transactions surged by an impressive 817% year-on-year.

 

*“This data clearly shows that consumers are increasingly seeking more convenient payment solutions. They want their transactions to clear instantly,”* said Rufaida Hamilton, Standard Bank’s Head of Payments in South Africa.

*“Even our other immediate interbank transactions, beyond PayShap, have continued to rise, highlighting a growing preference for instant payments among our customers.”*

 

The average PayShap payment has decreased to R498 ($28.30), down from R594 ($33.75) in the first quarter of 2024. Hamilton highlighted that this drop reflects a shift toward using PayShap for micro-payments indicating that the platform, intended for quick, low-cost everyday transactions, is serving its purpose.

Since its launch in March 2023, the broader payments industry has processed over 74.2 million PayShap transactions, totaling R46 billion ($2.64 billion).

FINTECH AFRICA | How Digital Payment Systems Like PayShap Are Driving the Cashless Economy in South Africa

金融科技非洲 | 像PayShap這樣的數字支付系統如何推動南非無現金經濟

在2024年7月，AgriDex，一個現實資產市場(RWAs)，創造了歷史，當它在Solana區塊鏈上完成了第一次農業交易。
該平台旨在通過對各種農作物進行代幣化，將全球農業市場上鏈，已實現超過兩百的貨物運輸。

AGRI

在2024年7月，AgriDex，一個現實資產市場(RWAs)，創造了歷史，首次在Solana區塊鏈上完成農業交易。

該平台旨在通過對各種農作物進行代幣化，將全球農業市場上鏈，已成功將來自南非的一家農場和葡萄園的超過兩百瓶特級初榨橄欖油和多個酒箱運送到倫敦。

根據AgriDex，它“*幾乎瞬間結算交易，每側交易僅收取0.15%*”，而在傳統系統中“*每筆交易的費用可以達到幾個百分點。*”

![](http://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)

*“我們在公共區塊鏈上完成了首筆交易，現在它正從南非運往倫敦，”* Oldenburg Vineyards 的所有者兼首席執行官 Adrian Vanderspuy 說。

*“資金在幾秒鍾內就進入了我們的AgriDex帳戶，而不是幾天，費用爲5 GBP。”*

 

根據AgriDex的聯合創始人兼首席執行官亨利·達克沃斯的說法：

*“隨着我們接入全球貿易的每1%，將節省數十億美元，數百萬人的生活受到積極影響。”* 

 

AgriDex，在2024年5月籌集了500萬美元，投資方包括：

* 奮進風險投資
* 非洲作物，一個撒哈拉以南非洲農業集團，以及
* 奧爾登堡葡萄園，一個南非葡萄園集團

希望將更多的股票上鏈，以減少收到付款的時間和交易匯款成本。

AgriDex還 reportedly 促進了一個毛裏求斯可持續發展組織在贊比亞出售農田的交易，以及從南非到津巴布韋的烘焙機械銷售。這兩個交易的價值均超過500,000美元。

根據其網站上分享的演示視頻，AgriDex 允許農業交易在平台內完全列出、執行和跟蹤。交易通過存儲每個交易細節的 NFT 來保障安全。AgriDex 允許在其市場上購買各種作物。當交易最終確定時，通過鑄造一個非同質化代幣 (NFT) 來記錄關鍵交易細節，從而確保交易的安全。

Duckworth在過去的採訪中表示，這個解決方案在非洲市場尤其有用，因爲糟糕的政府、動蕩的貨幣、欠發達的合同法和困難的交易環境使農民和供應商面臨挑戰。

 

*“我在津巴布韋長大，見證了比特幣作爲應對惡性通貨膨脹的救助。在一段時間後，我意識到這項技術遠不止於金融結算，它可以用於使全球貿易對供應鏈中的供應商更安全、更高效，這讓我開始考慮在農業中使用區塊鏈。”*

– 亨利·達克沃斯，AgriDex 聯合創始人兼首席執行官

 

最近，AgriDex 與總部位於非洲的交易商和農業生產商 ParroGate Group 合作。

通過使用AgriDex平台，ParroGate將能夠更高效地進行農業交易，並降低成本。在過去十年中，ParroGate主要在南部非洲市場投資了食用油和棉花產業，包括：

* 馬拉維
* 贊比亞，以及
* 津巴布韋

AgriDex 的交易流程是公開的，因爲該平台運行在一個公共區塊鏈上，但價格發現是隱藏的，達克沃斯說。

該平台還將推出其代幣，名爲$AGRI。

In July 2024, AgriDex, a marketplace for real-world assets (RWAs) made history when it settled its first agricultural trade on the Solana blockchain.
The platform, which aims to bring the global agricultural market on-chain by tokenizing various crops, enabled the shipment of over two hundred

In July 2024, AgriDex, a marketplace for real-world assets (RWAs) made history when it settled its first agricultural trade on the Solana blockchain.

The platform, which aims to bring the global agricultural market on-chain by tokenizing various crops, enabled the shipment of over two hundred bottles of extra virgin olive oil and multiple cases of wine from a farm and vineyards in South Africa to London.

According to AgriDex, it ‘*settled the transactions almost instantly, charging only 0.15% to each side of the trade*‘ while in traditional systems ‘*fees can be several percentage points per trade.*”

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb) 

*“We settled the first-ever trade on a public blockchain, and it is now on its way from South Africa to London,”* said Adrian Vanderspuy, Owner and CEO of Oldenburg Vineyards.

*“The funds came into our AgriDex account in seconds rather than days and the fees were 5 GBP.”*

 

According to Henry Duckworth, Co-Founder and CEO of AgriDex:

*“With every 1% of global trade we onboard, billions of dollars are saved and millions of lives are positively affected.”* 

 

AgriDex, which raised $5 million in May 2024 with investments from:

* Endeavour Ventures
* African Crops, a sub-Saharan African agricultural group, and
* Oldenburg Vineyard, a South African vineyard group

wants to bring more of their stock on-chain to reduce time taken to receive payments and transaction remittance costs.

AgriDex was also reportedly facilitating the sale of farmland in Zambia by a Mauritian sustainable development organization and the sale of bakery machinery from South Africa to Zimbabwe. Both deals were valued at more than $500,000.

According to a demo video shared on its website, AgriDex allows agricultural trades to be listed, executed, and tracked entirely within the platform. Transactions are secured with NFTs that store the details of each deal. AgriDex allows various crops to be bought on its marketplace. When finalized, deals are then secured by minting a non-fungible token (NFT) recording the key transaction details.

The solution is especially useful in African markets where poor government, volatile currencies, underdeveloped contract law, and difficult trading environments make things challenging for farmers and suppliers, Duckworth has said in a past interview.

 

*“I grew up in Zimbabwe and saw the rise of bitcoin as a respite from hyperinflation. After a while I realized the technology went so much further than financial settlement, it could be used to make global trade safer and more efficient for suppliers in a supply chain, this opened me up to using blockchain for agriculture”*

– Henry Duckworth, Co-Founder and CEO of AgriDex

 

Most recently, AgriDex brought on the Africa-based trader and agricultural producer, Parrogate Group, as a partner.

By using the AgriDex platform, Parrogate will be able to conduct agricultural trades more efficiently and at a reduced cost. Parrogate has invested in the edible oil and cotton industries over the past decade mainly in Southern African markets including:

* Malawi
* Zambia, and
* Zimbabwe

AgriDex trade flow is public, since the platform runs on a public blockchain, but price discovery is hidden, Duckworth said.

The platform is also launching its token, called $AGRI.

INTRODUCING | How Solana’s RWA Platform, AgriDex, is Bringing Africa’s Agricultural Market On-Chain

介紹 | Solana的RWA平台AgriDex如何將非洲的農業市場上鏈

坦桑尼亞銀行已實施新的規定，針對第二級小額信貸機構，以保護借款人免受濫用數字借貸行爲的影響。這些要求增強了透明度、客戶數據保護和行業聲譽，確保借款人在知情的情況下作出貸款決策，同時保護消費者權利。

坦桑尼亞銀行(BoT)發布了新要求，旨在保護借款人免受二級微型金融機構的濫用數字借貸行爲。

根據銀行的說法，這些要求旨在通過減少濫用貸款行爲和提高數字借貸市場的透明度，確保遵循消費者保護原則。

此外，BOT旨在提升行業聲譽，增強消費者信心，並確保數字小額金融領域內借款人和貸款人之間的安全環境。

![](http://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)因此，數字貸款人需要清楚地顯示：

* 利率
* 費用
* 費用
* 付款罰款
* 貸款限額，和
* 產品期限

在他們的平台上幫助客戶在申請貸款時做出明智的決策。

數字借貸平台還必須按照相關法律保護客戶數據，並指明中央銀行註冊的微型金融服務提供商的名稱。

 

*“一家小額信貸服務提供商必須擁有一個強大且安全的借貸平台，以便進行數字借貸操作及相關產品。”*

*坦桑尼亞銀行表示：“所提到的平台將可用並可以進行測試。”*

  

各個平台還必須使用清晰簡單的斯瓦希裏語或英語，提供聯繫信息，如電話號碼和電子郵件地址，並僱用知識淵博、熟悉信息技術的員工爲客戶提供技術支持。

 

*“獲得銀行不反對函的微型金融服務貸款機構，不得運營超過一個數字平台，”* 銀行表示。

*“然而，數字借貸平台可以提供不止一種數字貸款產品或服務，”* 它繼續說道。

 

銀行還警告小額信貸機構不要訪問客戶的聯繫人列表或社交媒體帳戶，因爲坦桑尼亞銀行認爲此類行爲可能會在貸款還款延遲的情況下用來騷擾客戶。

  

現有的持牌小額貸款服務提供商如欲提供數字貸款產品和服務，需向銀行申請無異議函。

The Bank of Tanzania has implemented new regulations for tier-2 microfinance institutions to protect borrowers from abusive digital lending practices. The requirements enhance transparency, customer data protection, and industry reputation, ensuring informed loan decisions while safeguarding consumer rights.

The Bank of Tanzania (BoT) has published new requirements aimed at safeguarding borrowers from abusive digital lending practices by tier-2 microfinance institutions.

According to the bank, the requirements aim to ensure adherence to consumer protection principles by reducing abusive lending practices and improving transparency in the digital lending market.

Additionally, BOT seeks to bolster the industry’s reputation, build consumers’ confidence, and ensure a secure environment for both borrowers and lenders within the digital microfinance sector.

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)Consequently, digital lenders are required to clearly display:

* Interest rates
* Fees
* Charges
* Payment penalties
* Loan limits, and
* Product tenures

on their platforms to help customers make informed decisions when applying for loans.

The digital lending platforms must also protect customers’ data in compliance with the relevant laws, as well as indicate the name of the microfinance service provider as registered by the central bank.

 

*“A microfinance service provider must have a robust and secure lending platform for conducting digital lending operations with respective products.* 

*The referred platform shall be available and can be tested,”* said the Bank of Tanzania.

  

The platforms must also use clear and simple Kiswahili or English, provide contact information such as phone numbers and email addresses, and employ knowledgeable, ICT-savvy staff to offer technical support to customers.

 

*“A microfinance service lender that has obtained a no-objection letter from the Bank to offer digital loan products and services, shall not operate more than one digital platform,”* the Bank stated.

*“However, a digital lending platform can offer more than one digital loan product or service,”* it continued.

 

The banks also cautioned microfinance institutions against accessing customers’ contact lists or social media accounts, as the Bank of Tanzania believes such actions could be used to harass customers in cases of delayed loan repayments.

  

Existing licensed microfinance service providers who intend to offer digital loan products and services, are required to apply to the Bank for a no objection letter.

REGULATION | Digital Lending Platforms Must Now Indicate They Are Registered by the Regulator, Says Bank of Tanzania

監管 | 坦桑尼亞銀行表示，數字借貸平台現在必須表明它們已獲得監管機構註冊

比特幣支付解決方案公司Strike宣布首次在美國以外擴張，多個非洲國家將受益於該公司的設施。
Strike爲客戶提供本地法幣的進出通道，使他們能夠通過一個平台買入和賣出比特幣和USDT

比特幣支付解決方案公司Strike已宣布其首次在美國以外的擴張，多個非洲國家將受益於該公司的設施。

Strike爲客戶提供本地法幣的進出通道，使他們能夠通過包括移動應用和API在內的產品套件購買和出售比特幣和USDT。

根據首席執行官Jack Mallers的帖子，Strike App現在提供：

![](http://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)* 主要上下坡道
* 買 & 賣 比特幣
* 買入和賣出USDT
* 鏈上支付
* 一個全功能的閃電網絡錢包
* 全球P2P支付，以及更多

該服務現在在以下國家/地區可用：

* **加蓬**
* **象牙海岸**
* **馬拉維**
* **尼日利亞**
* **南非**
* **烏幹達**，和
* **贊比亞**

在非洲將會有更多市場。

在支持的市場中，Strike在非洲的客戶可以執行以下操作：

* 買 & 賣 比特幣
* 買入 & 賣出 USDT
* 使用免費鏈上提現選項發送與接收鏈上支付
* 使用比特幣發送和接收閃電網絡支付
* 使用USDT發送和接收閃電網絡支付
* 以比特幣接收付款到他們的閃電地址
* 通過他們的閃電地址接收USDT支付
* 通過閃電網絡在應用內使用他們的比特幣購物
* 通過閃電網絡在應用內購物，使用他們的USDT
* 全球的 P2P Strike 用戶使用比特幣
* 全球使用USDT的P2P Strike用戶
* 進行快速且便宜的跨境支付
* 提現到當地貨幣

此外，美國的Strike用戶現在可以即時向他們在非洲的家人匯款，匯款以USDT的形式接收，隨後他們可以將其兌換成比特幣或按需提取爲當地貨幣。

Strike API也將在上述市場中提供。根據Mallers的說法，企業和開發者可以開設Strike帳戶，並獲得一系列服務，包括：

* 比特幣、美元、泰達幣
* 比特幣基礎設施
* 鏈上支付
* 閃電網絡支付
* 交換貨幣 (BTC/USD, 等)
* 通過閃電網絡發送法幣 (美元, USDT, 等)
* 通過閃電網絡接收法定貨幣 (美元、USDT等)

 

*“您的帳戶允許您購買、出售、持有、發送和接收比特幣，並購買和出售USDT。如果您希望將您的資產投資於比特幣和USDT，請讓我們爲您做繁重的工作，”* 馬勒斯說道。

 

Strike在2023年與非洲支付移動應用Bitnob達成協議，以促進向非洲的支付，現在還將爲當地企業提供跨境支付解決方案。Strike利用比特幣技術爲商業客戶執行B2B跨境支付，費用可承受且結算迅速，首席執行官表示。

與Bitnob合作，Strike目前可用在：

* 加納
* 肯尼亞
* 尼日利亞

 

“*例如，一家在南非設有分公司的企業可以將收入以蘭特形式匯回美國，存入其公司銀行帳戶，轉換爲美元。結算在同一天，費用也很低。* 開放網路勝出。”

Bitcoin payments solutions company, Strike, has announced its maiden expansion outside of the United States with several African countries set to benefit from the company’s facilities.
Strike gives customers local fiat on & off-ramps, enabling them to buy and sell bitcoin and USDT through a

Bitcoin payments solutions company, Strike, has announced its maiden expansion outside of the United States with several African countries set to benefit from the company’s facilities.

Strike gives customers local fiat on & off-ramps, enabling them to buy and sell bitcoin and USDT through a product suite that includes a mobile app, and an API.

According to a post by CEO, Jack Mallers, the Strike App now offers:

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)* Major on & off ramps
* Buy & sell bitcoin
* Buy & sell USDT
* On-chain payments
* A full-service Lightning Network wallet
* Global P2P payments, and more

The service is now available in the following countries:

* **Gabon**
* **Ivory Coast**
* **Malawi**
* **Nigeria**
* **South Africa**
* **Uganda**, and
* **Zambia**

with more markets in Africa to come.

Strike customers in Africa can do the following in supported markets:

* Buy & sell bitcoin
* Buy & sell USDT
* Send & receive on-chain payments with a free on-chain withdrawal option
* Send & receive Lightning Network payments with bitcoin
* Send & receive Lightning Network payments with USDT
* Receive payments to their Lightning Address as bitcoin
* Receive payments to their Lightning Address as USDT
* In-app shopping over the Lightning Network with their bitcoin
* In-app shopping over the Lightning Network with their USDT
* P2P Strike users around the world with bitcoin
* P2P Strike users around the world with USDT
* Conduct fast and cheap cross-border payments
* Cash out to local currency

Additionally, Strike users in the United States can now instantly send money to their family back home in Africa that is received as USDT, which they can then exchange for bitcoin or cash out to local currency as they’d like.

The Strike API will also become available across the aforementioned markets. According to Mallers, businesses and developers can open a Strike account and get access to a range of services including:

* BTC, USD, USDT
* Bitcoin infrastructure
* On-chain payments
* Lightning Network payments
* Exchanging currencies (BTC/USD, etc)
* Sending fiat currencies over Lightning (USD, USDT, etc)
* Receiving fiat currencies over Lightning (USD, USDT, etc)

 

*“Your account allows you to buy, sell, hold, send, and receive Bitcoin, and buy and sell USDT. If you’re looking to invest your balance sheet into Bitcoin and USDT, let us do the hard work for you,”* Mallers said.

 

Strike, which in 2023 reached a deal with African payments mobile app, Bitnob, to facilitate payments into Africa, will also now be offering cross-border payment solutions available to local businesses. Strike uses Bitcoin technology to execute B2B cross-border payments for business customers that are affordable and settle quickly, the CEO said.

In partnership with Bitnob, Strike is currently available in:

* Ghana
* Kenya
* Nigeria

 

“*For example, a business with a South African division of their company could repatriate revenue in Rand back into the United States as USD into their corporate bank account. Settlement is the same day and the fees are cheap.* Open networks win.”

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