Busha 3.0: The Money App for Africa

For most Africans, finance has never lived in one place.

You save in one app, invest in another, move money through informal rails, hedge risk elsewhere, and rely on access you may or may not be granted depending on geography, income, or institutional privilege. High-quality financial services—managed portfolios, diversified assets, structured products—have historically been reserved for a narrow segment of high-net-worth individuals, often offshore and out of reach.

Busha 3.0 changes that

Busha began as a trusted, regulated gateway to crypto in Nigeria. Over time, it became clear that crypto was not the end goal—it was the foundation. What we are building now is broader and more ambitious: a single money app where Africans can live their entire financial lives.

Busha 3.0 expands beyond spot crypto trading into a full spectrum of digital and real-world financial instruments.

Users will be able to access tokenised real-world assets, including stocks and exchange-traded funds, alongside crypto-native assets and emerging instruments such as prediction markets. By bringing these assets onto modern, programmable rails, we unlock fractional access, global interoperability, and continuous availability without sacrificing regulatory oversight.

Our mission is not to replace traditional finance. We will be upgrading access to it.

From Privilege to Access

One of the most interesting shifts in Busha 3.0 is the introduction of managed and concierge-style investment services, delivered in partnership with regulated asset managers.

Historically, professional portfolio management with structured strategies, disciplined allocation, and risk management was accessible only to HNWIs and institutions. With Busha 3.0, these services will no longer be gated by wealth thresholds or geography. Now, everyday users can access curated investment products, professionally managed strategies, and high-quality financial expertise directly from their phones within a regulated framework.

With Busha cards, users can spend directly from their balances—whether held in fiat, stablecoins, or other supported assets—online or in-store, locally and internationally. This bridges the gap between investing and real-world utility, allowing users to convert stored value into everyday purchasing power without unnecessary friction.

Access to credit remains one of the most significant constraints on financial growth across Africa. Busha 3.0 introduces asset-backed loans, allowing users to unlock liquidity without selling their assets. 

By using eligible digital assets as collateral, users can access credit transparently and efficiently, within clear risk parameters and regulatory boundaries. This enables individuals and businesses to manage short-term needs, invest in opportunities, or smooth cash flow—without giving up long-term positions.

One App, One Balance Sheet

Busha 3.0 is designed around a simple idea: your money should work together, not live in silos.

Crypto holdings, tokenised securities, fiat balances, cards, loans, stablecoins, and managed portfolios will no longer live in separate worlds. They are components of a single, coherent financial system. Users can move seamlessly between saving, investing, spending, and hedging, without friction or fragmentation.

For the first time, Africans have access to a platform built not just for transactions, but for long-term financial life management.

Infrastructure for Businesses, Not Just Individuals

Busha 3.0 is also a significant leap forward for businesses.

We are building crypto and stablecoin tooling designed for African enterprises, including secure on- and off-ramps, custody and treasury management, liquidity access, and programmable offline payment or offline checkout flows (via our payment gateway, widget and payment links). Whether a business is managing cross-border payments, holding digital assets on its balance sheet, or integrating stablecoins into its operations or receiving payments, Busha provides regulated, institution-grade infrastructure to support growth.

At the core of this business offering is Busha’s tokenisation engine, which enables businesses and asset issuers to represent real-world value on digital rails in a compliant and structured way. From equities and funds to other asset-backed instruments, the engine provides the infrastructure required to issue, manage, and distribute tokenised assets while maintaining alignment with regulatory, custody, and reporting requirements. This allows enterprises, financial institutions, and partners to unlock new distribution models via Busha, improve capital efficiency, and extend access to previously illiquid or hard-to-reach assets.

Busha’s reputation is already built on compliance, trust and scale. We operate within a regulated framework, working closely with market institutions and regulators to ensure that innovation and compliance evolve together. As Nigeria’s first SEC-licensed digital asset exchange, our approach to expansion is grounded in governance, transparency, and long-term credibility–factors that are non-negotiable for sustainable institutional financial services.

Where Africans Will Live Their Financial Lives

Busha 3.0 is about bringing together traditional and digital finance, and our new brand makes that explicit. The mark combines the form of a banknote, representing the trust and structure of conventional finance, with a coin, symbolising digital assets and programmable money.

These elements are intentionally brought together into a single, seamless symbol. They reflect how Busha unifies fiat and crypto, stocks and tokens, spending and investing, without forcing users to choose between the old world and the new.

Busha 3.0 is about building the financial home Africans deserve; one that is modern, inclusive, and globally connected. A place where individuals can grow wealth, businesses can operate efficiently, and capital can move intelligently across borders and asset classes.

Busha is no longer just where Africans buy crypto. It is where Africans will live their entire financial lives. Let’s grow together.

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