Pendulum and Link Collaborate to Democratize Liquidity in Africa’s Largest Economy

Published in
3 min readApr 26


LINK, a global fintech company, has joined forces with Pendulum to promote the adoption of digital financial services throughout Africa. LINK provides APIs and tools that allow Africans to access digital money for cross-border payments, DeFi, and traditional rails through stablecoins and the Stellar Network. They leverage local payment structures like mobile money and USSD to make it easy and affordable for people to participate in the global financial system. With over 33 partnerships, LINK offers low-cost, efficient, and almost instant payment systems that empower people to hedge against rising inflation and participate in the digital economy. Combine these services with Pendulum’s fiat on DeFi ecosystem and new opportunities will arise for businesses and users alike.

Financial Inclusion in Africa

Together with LINK, we will be able to provide any African user with access to yield-earning opportunities, borderless payments, on and off-ramps, token swaps, liquidity pools, and on-chain Forex. We’re excited to be working with LINK to help millions of Nigerians who already trade crypto, with a major focus on cross-border payments, move in and out of the global financial system seamlessly. Through our partnership, we’re providing blockchain tools and infrastructure to help bridge the gap between traditional finance and Defi.

One unique feature of this partnership is the endless opportunities it creates by connecting various counterparts, such as liquidity providers, traders, tokenized fiat swaps, decentralized payments, and yields. With these tools, a Nigerian user can on-ramp their fiat to crypto in less than 60 seconds and vice versa.

“Through our partnership, we’re able to offer low-cost cross-border payments and on-chain Forex, driving financial inclusion in Africa and connecting users to the global financial system.” Liran Aloni, Pendulum Head of Partnerships

Evarist Emmanuel, LINK CEO & Co-founder


The partnership between Pendulum and LINK aims to bridge the gap between traditional banking and DeFi, enabling real-time settlements and increasing connectivity through payments. By leveraging blockchain tools, this partnership offers a unique opportunity for Sub-Saharan Africa, starting with Nigeria, to access new financial and economic solutions. To stay informed on the latest updates, make sure to follow the Pendulum and LINK communities on social media. This partnership brings us one step closer to building a decentralized future for Forex in Africa and across the globe.

About LINK

Cheap & Instant Cross Border Payments for Africa. Send money without borders.

About Pendulum

Building the missing link between fiat and DeFi through a fiat-optimized smart contract blockchain based on Polkadot’s Substrate. Allowing traditional finance fiat services to integrate with DeFi applications such as specialized forex AMMs, lending protocols, or yield farming opportunities. Developed by SatoshiPay.

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Traditional finance infrastructure blockchain. The missing link between fiat and DeFi. Limitless fiat. Decentralized future.