Oui Capital  has released a comprehensive report highlighting Africa’s booming cross-border payment market, projected to hit $1 trillion by 2035. Valued at $329 billion in 2025 with a 12% annual growth rate, the market is being transformed by mobile money, fintech innovations, and increased intra-African trade.

Despite growth, the sector still faces challenges such as high remittance fees, limited FX liquidity, and regulatory fragmentation. The report outlines the inefficiencies costing up to $5 billion annually and identifies key areas for innovation—particularly in interoperability, API infrastructure, and crypto adoption.

Oui Capital emphasizes the untapped potential for investors, fintech founders, and policymakers to reshape Africa’s payment rails. Strategic recommendations include accelerating PAPSS integration, enabling blockchain settlements, and unlocking interoperability across banks and mobile money networks.