M-Pesa & Cash App are mostly A2A ledger entries — fast internal accounting, not true P2P settlement.

Bitcoin + Lightning is different: real B2B/B2C settlement on an open network.

These apps are great stepping stones. The endgame: a circular bitcoin economy where value moves P2P

Source

See #1495463

This was unsolicited by him, but I know he would appreciate any funds showing up.
+254702665157

I'll relay any response I get from him.

The company handling the LN service (Tando.me) processes the LN payment by converting to fiat (KES), and delivering that fiat immediately to the mobile money wallet for that phone number from the Lightning Address.

There are 40 million mobile money accounts for the mobile money service M-Pesa (from Safaricom), in Kenya.

There are no keys to the recipient of the payment, they don't even have to know what bitcoin is. They might not even know who sent, or why. The (fiat) funds just appear.

Tando has effectively “orange-pilled” 40 million people at once.

As of May 12, 2026, every mobile number tied to M-Pesa is now automatically a Lightning address in the format [number]@bitcoin.co.ke

No registration (by either the sender or the recipient). Sender needs only the recipient's Safaricom mobile number with m-Pesa enabled. Sender pays in bitcoin. Seconds later recipient sees the KSh m-Pesa payment arrive.

Can it get easier than this?

https://bitcoinnews.africa/bit2kwacha-from-lusaka-lightning-developer-bootcamp-project-to-public-bitcoin-tool-for-zambia/

Doh! I don't see anymore the Related (or was it Dups?) when creating a post.

I guess the proper approach now is to use the Search first, to see if it has already been posted.

The Voronoiapp link I had wasn't already posted but the description would have found a match with your post.

What I would like to see is a similar chart showing the countries with a high reliance on workforces who send those remittances.

Many recent (and not so recent) university graduates remain unemployed, refusing to accept that a side hustle brings experience that oftentimes either translates into becoming more employable in formal employment, or succeeds and becomes the main and only hustle.