On January 6, 2026, Canza Finance, a leader in Fintech in Africa, announced that a total of over $131 million in dollars was traded using the Aptos Blockchain. This report indicates a 300% increase in transaction activity from the previous quarter. In addition to the report, Canza presented the Canza Autonomous Payment Protocol (CAPP), an artificial intelligence solution for payment processing in the fragmented African mobile money market.
Blockchain infrastructure to revolutionize African payments
The $131 million milestone surpasses the headline figure and is a sign of the progress Canza Finance is making in building a usable blockchain infrastructure for African businesses. This growth makes the platform a meaningful solution to long-standing cross-border payments challenges on the continent, where legacy systems are often slow, expensive and unreliable.
Momentum has grown and Aptos has become the fourth largest Layer-1 blockchain by net circulation of native USDT, worth approximately $830 million. With average transaction fees of less than $0.0008, Aptos is ideal for the high volume of frequent, but low-value transactions that characterize mobile commerce in Africa.
Canza’s model of a stablecoin is an obvious alternative for African companies that are overloaded with expensive payment channels beyond their borders. Cross-border payments in Africa are estimated at approximately 8.9% per transaction, which is significantly higher than the global average. By using blockchain rails, Canza aims to achieve fees closer to 1%, opening up global trading opportunities for small and medium-sized businesses.
Introducing CAPP – AI-powered payment innovation
Canza Finance’s launch of the Canza Autonomous Payment Protocol is more important than raw transaction volume. This milestone represents a strategic change in how blockchain infrastructure can solve real-world challenges in emerging markets’ payment systems. The AI-powered system is a step forward from experiments to practical financial tools.
CAPP is designed as a multi-agent AI protocol that addresses two major problems in African trade: high costs and slow settlement. Canza claims it can reduce processing costs by up to 90% while processing payments in under a minute, a major improvement for Africa’s mobile money ecosystem, which handled $562 billion worth of transactions in 2020.
Its AI-driven architecture allows CAPP to cross the fragmented payment rails across countries, currencies and payment providers in Africa. The protocol ensures a seamless and reliable experience for merchants and consumers by automating routing and optimization while adhering to local regulations.
Strategies Positioning in Africa’s Growing Blockchain Market
Canza Finance’s success is part of a broader trend of blockchain uptake in Africa and specifically within the fintech sector. African blockchain companies raised $474 million in 2022, up 429% year-on-year, the most significant increase in funding for any region in the world.
Founded in 2019 by Pascal Ntsama and Oyedeji Oluwoye, Canza Finance has raised about $5.5 million from heavyweight investors such as Polychain Capital, Protocol Labs and Avalanche’s Blizzard Fund. The company’s product range does not end with simple payment processing, as the Baki exchange allows businesses to trade African currencies against dollar stablecoins at official central bank rates.
Conclusion
Canza Finance is at the forefront of Africa’s blockchain payments revolution, reaching an impressive milestone of $131 million in addition to the launch of CAPP. This quarter saw a remarkable 300% growth and the company’s innovative AI-powered solutions meet the real needs of payment processing; therefore, it is well positioned to capture a large share of the fast-growing digital commerce market in Africa. As more African companies realize the benefits of doing business with stablecoins, blockchain-based cross-border payment systems will represent a future phase in the development of financial inclusion in Asia.