2026-01-09 09:33:27

Many people see the news of ADI Chain's partnership with M-Pesa and might think it's just another project hitching a ride on Africa's big wave. But if you truly understand M-Pesa's position in Africa's financial system, you'll realize what this collaboration really means.

M-Pesa was launched in Kenya in 2007 and has since expanded to cover 8 African countries—Kenya, Tanzania, Mozambique, the Democratic Republic of Congo, Lesotho, Ghana, Egypt, and Ethiopia. According to World Bank data, digital payment transaction volume in Africa surged over 300% from 2020 to 2025, with M-Pesa accounting for over 60% of the market share. You might not find this number impressive, but looking at Kenya's situation makes it clear—more than 50% of the country's GDP flows through the M-Pesa system each year, meaning half of the money in the country runs on this platform.

Even more impressive is that M-Pesa doesn't require a smartphone or internet—just the simplest SMS can handle transfers. In Africa, about 40% of adults don't have bank accounts, but as long as they have a phone capable of receiving texts, they can buy groceries, pay bills, and receive salaries—everything. It's not just a payment app; it's the financial infrastructure for the local people.

This time, ADI Chain's integration directly grants access to an ecosystem of 60 million users. The next focus is on how to seamlessly embed blockchain applications into M-Pesa's existing financial network, rather than just adding features abruptly. That’s the real test of the team's capability.

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

11 Likes

Reward
11
10
Repost
Share

Comment

0/400

BtcDailyResearcher

· 4h ago

M-Pesa's 60% market share is the core, not everyone can handle this kind of infrastructure-level integration --- Honestly, it depends on whether ADI Chain can truly work with M-Pesa's 60 million users, otherwise it's just superficial talk --- The SMS transfer method is brilliant, it doesn't even require internet... this is the real way to understand the African market --- Half of the GDP is generated by M-Pesa? This data needs to be carefully digested, indicating that it has already become an infrastructure-level service --- The problem is how to integrate it; forcibly adding blockchain might do more harm than good. It depends on what ADI's technical team thinks --- 60 million users... if seamless integration is really possible, then we've found a true practical scenario, not just superficial partnerships --- Being able to handle payments solely through SMS without smartphones or internet is true inclusive finance. We need to learn from this --- The key still depends on how the follow-up execution goes. Announcing partnerships is easy, but real integration is where the true test lies

View OriginalReply0

WhaleWatcher

· 12h ago

This is truly infrastructure-level cooperation, not just a marketing gimmick. 60 million users, this scale is no joke. --- The pure SMS transfer logic of M-Pesa is really brilliant, it doesn't require any advanced infrastructure, but if ADI wants to truly integrate, it's not that simple. --- Half of Kenya's GDP runs on this platform? That's a bit shocking, but on the other hand, it's an opportunity. The key is how to connect the blockchain advantages later, otherwise it's just a white-label product. --- Honestly, being able to handle system-level applications like M-Pesa is more valuable than issuing ten shitcoins. But whether the team is reliable still depends on their delivery capability. --- Suddenly I realize, this kind of low-spec infrastructure is actually the most popular in Africa, the internet-based approach simply can't be pushed forward. If ADI truly understands this point, there's hope.

View OriginalReply0

Tokenomics911

· 14h ago

Hey, no, M-Pesa is really a major financial weapon in Africa, not just hype. Half of Kenya's GDP flows through the M-Pesa system. What kind of concept is that? It’s the lifeblood of the national economy.

View OriginalReply0

OptionWhisperer

· 01-10 03:15

Oh wow, this time it's really different. A 60 million user ecosystem is no joke. --- The logic of M-Pesa's SMS-based transfer system is naturally suitable for blockchain, it all depends on whether ADI Chain can truly become practical. --- To put it simply, whether it can harmonize with M-Pesa's scale and user stickiness is a thousand times more important than fundraising numbers. --- Half of Africa's financial system money runs through M-Pesa. If it really goes on-chain... I can't even imagine. --- The core is one sentence: don't force it in awkwardly. You need to make people use blockchain seamlessly—that's real skill. --- Sixty million users, just this number alone is worth paying attention to. But forcibly disrupting their existing system is a huge challenge. --- M-Pesa doesn't care whether you're Web3. They solve real financial pain points, and ADI needs to understand this thoroughly.

View OriginalReply0

DataBartender

· 01-09 10:03

Wow, M-Pesa accounts for 60% of digital payments in Africa. This is no small feat... 60 million users jumping in directly. If ADI can really integrate well, this game is just beginning.

View OriginalReply0

JustAnotherWallet

· 01-09 10:03

Wow, M-Pesa accounts for half of Kenya's GDP? I need to reevaluate this landscape.

View OriginalReply0

Blockblind

· 01-09 10:02

Oh wait, M-Pesa accounts for 60% of the market share? That’s true infrastructure, not just slogans. --- 50% of Kenya’s GDP flows through M-Pesa... this really has more influence than most blockchain projects. --- SMS transfers are amazing, no internet needed at all. Much more reliable than those projects touting Web3 inclusivity. --- 60 million users... if ADI can truly integrate rather than just overlay awkwardly, that’s a big deal. --- Feels like many projects are just trying to ride the African hype. Is this time different? It all depends on execution. --- M-Pesa should have gone on-chain a long time ago, just see who can do it without awkwardness. --- Half of the money is running through M-Pesa... that data is impressive. No wonder everyone wants to connect. --- Seamless integration > clunky stacking, that’s right. Most projects are the latter.

View OriginalReply0

DeFiGrayling

· 01-09 09:45

Oh wait, 60 million users jumping on board directly? This time it's really different.

View OriginalReply0

SerNgmi

· 01-09 09:41

Oh wow, the 60% market share of M-Pesa is the key, not some虚的数字游戏 600 million users directly onboard, this time it's different Whether it can be used properly is the real issue, don't turn it into stiff拼凑 again SMS transfer is the absolute, the true底层 of finance If ADI messes up, it'll be hilarious, such a good基础 but it can be玩坏 Half of Kenya's GDP is running, I really didn't expect this data The关键 still depends on how they融合, they talk big now, but you'll only know when you actually get started If this guy really can do well, the financial landscape of Africa will truly change

View OriginalReply0

RugPullSurvivor

· 01-09 09:38

M-Pesa's data is truly impressive, with 50% of Kenya's GDP flowing through it. This is real infrastructure. --- Another African story, but this time different. 60 million users is not a small number. --- Honestly, it would be amazing if ADI could truly integrate, otherwise it's just a concept. --- I'm really impressed with SMS transfers; they're more down-to-earth than any blockchain. --- I'm optimistic about this partnership, but whether the team can handle it is the key—don't want another PPT coin. --- M-Pesa holds 60% of the market share? That's almost a monopoly. ADI needs to be careful not to fall into a trap. --- Half of Kenya's GDP flowing through M-Pesa—if this connection is truly established, the potential is quite significant.

View OriginalReply0