PhotonPay Releases Emerging Markets Payment Report: Unlocking Africa's B2B Potential Through Multi-Rail ArchitecturePhotonPay, a next-generation financial operating system powered by stablecoins, today published its latest industry research report, The Next Payment Infrastructure in Africa: From Fragmented Payment Rails to Unified Cross-Border Settlement. However, domestic digital success has not created a unified continental ecosystem. Payment adoption remains deeply uneven — spanning from over 70% digital payment usage in Senegal to under 10% in Niger. Unified Payout & Settlement Network: Connect over 60 local payment methods, cards, and mobile wallets with 24/7 real-time settlement channels. Seamless FX & Stablecoin Conversion: Convert digital assets and foreign currencies into local payment rails at competitive market rates, eliminating intermediary bank markups.