I don't know whether Google and Apple have yet kicked the "unlicensed" apps off yet. Not sure. But those 10 so far will be permitted to continue operating in Kenya.

They have a "circular" / memo from 2015 that prohibits the banks from servicing exchanges, traders, and pretty much any business that does anything related to bitcoin ("virtual currency"). The central bank governor that implemented that is gone in a few months (term limit), so it will depend on who is chosen to replace him and what their position on bitcoin will be. Kenya is heavily in debt so it will not diverge much from what the IMF's wants them to say. But they've been hands-off for the most part with mobile money. P2P traders using mobile money have only gotten in trouble when they were receiving funds for bitcoin where the buyer had fraudulent/stolen funds. Ya, that happens. I think the charges against the sellers that got caught up in that were eventually dismissed.

That's really where the problem lies -- globally, for circular economies to form and grow organically.

Anywhoo ... check out this Telegram group (from Galoy), if you aren't already in it.