Complexity Is the Moat: Stone Atwine on Building Eversend Across 12 Markets Without Losing the Plot

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.