Florent "Flo" Nduwayezu is a Nairobi-based investor at FP Capital, and one of the most consistently honest voices in African tech. He's Burundian, he's been in Nairobi for 13 years, and he has very little patience for the narratives that keep African ecosystems stuck.

In this episode, Flo sits down with Uwem to challenge some of the most comfortable assumptions in African VC, starting with SaaS. His argument: African SMEs never really adopted it, and with AI agents taking over the interface layer, SaaS is about to become invisible infrastructure at best. What replaces it? Integrated solutions that meet people where they already are - on WhatsApp, on audio, offline.

But the more uncomfortable conversation is about talent. Flo breaks down the math: if Kenya deployed close to $900M in venture capital, you need significant exits to justify that. You need multiple large companies. Each of those companies needs serious engineering depth. And his question, bluntly put, is whether that talent pool actually exists at the quality and concentration required.

They also go deep on impact investing's unintended consequences, why African VCs need to get more involved in policy, why Rwanda is doing something the continent's "Big Four" should be paying close attention to, and why Flo thinks he might eventually have to go into politics.

Dr. Dotun Olowoporoku didn't take the typical route to venture capital. He started as a PhD researcher on air quality and climate change, stumbled into entrepreneurship with an online food delivery startup, became CCO at Moniepoint during its most critical growth years, and then became Managing Partner at Ventures Platform, one of Africa's most founder-supportive seed funds.

In this episode, we go deep on the questions the ecosystem rarely asks out loud: What does portfolio support actually look like when a company is dying? When does investor support become dependency? Which African companies does VC money quietly destroy? And is the AI wave signal or hype?

Dotun also shares how he spotted Tosin Eniolorunda's thesis before Moniepoint was Moniepoint, why he evaluates every investment as a research hypothesis, and what the Capitec Bank story from South Africa taught him about the future of African fintech.

If you're a founder, an investor, or anyone building on this continent, this one will make you think differently.

Most fintech founders talk about financial inclusion. Stone Atwine actually started there, watching his grandmother get stressed at a Moneygram agent because she had no ID, carrying $200 in cash on a one-hour bus ride back to her farm. That frustration became the foundation of Eversend, now one of Africa's most ambitious cross-border payments and neobanking platforms.

In this episode, Stone and Uwem go deep on what it actually takes to build a durable fintech across 12 markets - the regulatory complexity most founders underestimate, why blitzscaling fails when your users will abandon you the day you start charging, and how stablecoins quietly became Eversend's treasury and payments backbone years before the rest of the market caught on.

Stone also shares a genuinely contrarian view on vibe coding, AI, and why the biggest beneficiaries of the AI revolution may not be the youngest engineers, but operators in their 40s with deep market knowledge and the tools to finally act on it.

This is not a panel version of Stone's story. This is the one with the real decisions.