Muri iki gikorwa gishobora guhindura isura y'ubukungu bwa Afrika, Ripple, urubuga rw'ubwishyu rwishingiye ku ikoranabuhanga rya blockchain, rwatangaje igishoro kinini muri Flutterwave. Iyi ngingo ifata agaciro ka miliyari 3.2 z'amadolari y'Amerika ku kigo gishingiye ku ikoranabuhanga mu gihugu ca Nigeria, kandi ikaba igizwe n'igikorwa co gushora imari mu rwego rwa E. Intego nyamukuru ni ugukora ku buryo RLUSD (Ripple's Liquidity USD) na XRP Ledger bishirwa mu bikorwa vy'ubwishyu muri Afrika, ahari ibikorwa binini cane ku mugabane.

Flutterwave, yashinzwe mu 2016 ikaba ifise icyicaro i Lagos, yihariye umwanya ukomeye mu bikorwa vy'ubwishyu bwambukiranya imipaka muri Afrika. Nk'uko amakuru atangwa na Ripple abivuga, iki kigo kimaze gukoresha ibikorwa birenga 300 miliyoni mu bihugu bigera kuri 34 muri Afrika. Iyi ngingo ni intambwe ikomeye kuri Ripple ishaka gukomeza kuba mu gihugu ca Afrika aho ubusabe bw'ibisubizo vy'imari bushobora kwiyongera.

Afrika yabaye ahantu heza ho gukorera udushya mu by'imari (fintech), hamwe no kwiyongera kw'ubwiyunge bushingiye ku mpamvu nyinshi z'ubukungu n'imibereho yihariye ku mugabane. Uburyo bworoheje bwo kubona serivisi z'ubwishingizi bw'imari hamwe n'abantu bakiri bato kandi bafite ikoranabuhanga byatumye fintechs nka Flutterwave zigaragaza ubuyobozi ku isoko. Nk'uko ubushakashatsi bwacu bwabigaragaje, Afrika irakomeza gukura mu rwego rw'iki gice hamwe n'ibigo nka InTouch na Ecobank nabyo bikaba byarakoze udushya mu gutanga ibisubizo by'ubwishyu hagati y'Uburayi na Afrika.

N'ubwo bimeze bityo, iyi myiyongera si iyoroshye. Ibikorwa bigikenewe ku mugabane bigira ingorane ku bikorwa by'ikoranabuhanga bisaba guhuza neza. Ikindi kandi, amategeko atandukanye mu bihugu bitandukanye muri Afrika ashobora gutuma bigora kwagura ibikorwa mu buryo bworoshye nk'uko aba bashoramari babishaka.

Ubu bufatanye mu murongo wa RippleNet, Flutterwave izafasha mu buryo bukomeye mu kubona uburyo bw'ubwishyu bwambukiranya imipaka ku bakiriya bayo. Iyi fintech kandi irateganya kuzana RLUSD nk'igipimo gishya ku bakoresha bayo. Izi mpinduka zerekana si gusa ubushake bwa Ripple ahubwo n'ubushake bw'ikigo cy'imari muri Afrika yose mu kwagura ingufu zacyo mu by'ubwishyu bw'ikoranabuhanga.

Ibyavuzwe n'umuvugizi wa Ripple muri iki gikorwa biragaragaza: « Turishimye ku buryo RLUSD na XRP Ledger bizinjira mu buryo bw'ubwishyu bwa Flutterwave ». Iyi gahunda ishobora guhindura isura y'ubwishyu ku mugabane itanga ibisubizo byihuse kandi bitagoye ugereranije n'uburyo busanzwe bukunze kuba buhenze cyangwa budashobora kugerwaho.

Muri iki gihe ishoramari ry'abanyamahanga mu bigo bito muri Afrika rikomeje kwiyongera n'ubwo hari icyorezo cy'isi, iki gishoro kinini Ripple yashoye gishobora gufatwa nk'ikimenyetso cyiza ku hazaza heza ku bigo by'imari bikorera mu gihugu. Abashoramari mpuzamahanga barakurikira neza uko iyi gahunda izahinduka mu bikorwa.

Nk'uko bimwe mu bisuzuma by'ubukungu byasohowe na Reuters Africa na Jeune Afrique Business+ bibigaragaza, biragaragara ko ubu bufatanye hagati y'ibigo binini mpuzamahanga nka Ripple n'ibigo by'imbere mu gihugu bufasha cyane mu guteza imbere ubukungu muri rusange ariko kandi no mu mibereho kubera amahirwe menshi ashobora kuvuka mu buryo butaziguye cyangwa butaziguye ku bijyanye n'ibicuruzwa/serivisi bishya byatangiwe ku rubuga rw'ikoranabuhanga rwizewe rujyanye n'ibikenewe by'abaturage batandukanye ku mugabane.

Amateka y'igihe gishize agaragaza ko amafaranga y'ikoranabuhanga yagiye yiyongera mu buryo bwihuse muri Afrika mu myaka yashize. Nigeria ni kimwe mu masoko akomeye ku isi ku bijyanye na Bitcoin nk'uko bigaragazwa na Chainalysis Global Crypto Adoption Index iheruka; ibi bigaragaza ko hariho ubushake bwinshi ndetse no kwinjiza ikoranabuhanga rya blockchain riherekeza amafaranga y'ikoranabuhanga mu buryo bworoshye ugereranije n'amafaranga asanzwe akunda guhindagurika bitewe n'ibibazo by'ubukungu.

Ahandi ku mugabane, Afurika y'Epfo, Kenya, na Ghana nabyo biri mu bihugu by'imbere mu gukoresha amafaranga y'ikoranabuhanga mu buryo bwa buri munsi ku rwego rw'ibikorwa bitandukanye kuva ku bikorwa byoroheje kugeza ku bikorwa by'ubucuruzi bikomeye bigamije kugabanya ibiciro n'igihe mu guhererekanya amafaranga ku rwego mpuzamahanga.

Gushyira mu bikorwa ikoranabuhanga rya blockchain mu bikorwa bisanzwe bizasaba imikoranire ikomeye hagati y'impande zose zirebwa n'iki gikorwa harimo na leta, inzego zishinzwe kugenzura, n'ibigo by'ubushakashatsi mu by'ikoranabuhanga kugira ngo hamenyekane ko ibikorwa byose byubahiriza amategeko kandi bifite umutekano, bityo bigatuma ibi bikorwa bigira akamaro mu gihe kirekire.