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Crypto: Peer-to-peer trading is worth $500bn in Nigeria – Cryptocurrency expert

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Crypto: Peer-to-peer trading is worth 0bn in Nigeria – Cryptocurrency expert

The Chief Executive Officer of one of the leading cryptocurrency platforms in Nigeria, NoOnes, Ray Youssef, has revealed that peer-to-peer popularly known as P2P is probably like $500bn business in Nigeria alone.

Youssef said this in an interview with Techpoint Africa on the heels of an imminent ban on cryptocurrency in the country.

Speaking on the astronomical P2P transactions on Friday, the NoOnes boss asserted, “Peer-to-peer is probably like a half a trillion dollar business inside Nigeria alone. That’s the truth. Officially, cryptocurrency volume in Nigeria is at $59 billion a year, and that’s just all the official volume of everything that is happening on centralised exchanges that can be tracked on the blockchain. Yeah, let’s say $59bn to $60bn.

“That’s a joke; the real volume is ten times more than that. That’s peer-to-peer, and that’s not just volume that has happened.”

Youssef added that most of the P2P transactions do not happen on Binance or any other platform but on WhatsApp, Telegram, coffee shops and everywhere on the streets.

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“Most peer-to-peer doesn’t happen on Binance P2P or NoOnes or any of these other platforms. They happen on WhatsApp, Telegram, the coffee shops, everywhere on the streets. That’s where most peer-to-peer is really happening. And in fact I would even say $60 billion going through the centralised exchanges. I think most of that is actually peer-to-peer volume they are kinda covering up too because Nigerians are very crafty and have ways to use things for things they weren’t necessarily mean’t to be used for,” he maintained.

Recall that in February 2021, the Central Bank of Nigeria issued a circular to deposit money banks (DMBs), non-bank financial institutions (NBFIs), and OFIs to close accounts of persons or entities involved in cryptocurrency transactions within their systems.

But the administration of President Bola Tinubu lifted the ban directing all banks and OFIs to carry out cryptocurrency services with with the provisions of the guidelines to regulate the activities of virtual assets service providers.

The aftermath of the ban was the discovery by CBN that crypto traders use peer-to-peer trading to manipulate the naira via a pump-and-dump strategy.

In February 2024, the Central Bank Governor, Olayemi Cardoso, claimed $26 billion in untraceable transactions were processed by Binance.

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This led to a crackdown on the global exchange Binance and the freezing of over 1,000 bank accounts involved in peer-to-peer transactions.

However, Nigerians, especially the P2P traders have begun to express displeasure at the new development by the Federal Government as many believe that cryptocurrency is legal and should not be seen as a factor behind the naira weakening.

A user, Kalu Aja, wrote in a thread on his handle, @FinPlanKaluAja2, “The Nigerian economy is slowing grinding to insignificance.

“The economy is dying. The policymakers (Central Bank of Nigeria) know and are already warning with specificity.

“The political class response is to divide and distract.

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“Guys I am not being alarmist; the economy is failing, it’s not my data or analysis.”

He claimed that economic activity has been contracting for eight consecutive months, mainly due to exchange rate pressures, rising input prices, security challenges, and others.

He added that the Composite Purchasing Managers’ Index declined sharply to 39.2 index points in February 2024 from 48.5 index points in the previous month.

He continued, ‘Both food and core inflation rose in February 2024, underpinning an acceleration in headline inflation to 31.70 per cent in February 2024 from 29.90 per cent in the previous month. This continued rise in inflation was mainly due to high production costs, lingering security challenges and exchange rate pressures,

“All quotes from CBN. Is this an environment that can attract FDI? When are Nigerian companies already in Nigeria not buying or investing?

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“Abuja, we have a problem.”

Another user, who tweeted with @trendwithola, said, “So the Central Bank of Nigeria still feels cryptocurrency is the cause of Naira woes?

“Naira will keep trailing 1 USD, 1 GBP, 1 CAD if the right thing is not done.

“@cenbank should stop chasing shadows. You had better get your economic policies right. Don’t just copy and paste. Get a blueprint from the man wey sabi, Peter Obi or leave office,” she added.

“Rather than battling against cryptocurrency, why isn’t the Central Bank of Nigeria focused on leveraging the system to their advantage? Why not concentrate on regulating it for beneficial use? After all, you can’t dismantle what you haven’t built,” a user with the handle @Themytea2 submitted.

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Recently, at least three Nigerian fintech startups, including Moniepoint, Paga and Palmpay, have threatened to block the accounts of their customers dealing in cryptocurrency and report those transactions to law enforcement agents after the National Security Adviser classified crypto trading as a national security issue.

That designation means a new crypto regulation that will ban peer-to-peer trading of cryptocurrencies is in the works, said Tosin Eniolorunda, the CEO of Moniepoint.

There are also growing concerns that a regulation to ban p2p trading may soon be made public.

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Visa Targets Banks and Fintechs With Stablecoin Advisory Launch as Adoption Pressure Tightens

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Visa Targets Banks and Fintechs With Stablecoin Advisory Launch as Adoption Pressure Tightens
Visa is moving deeper into stablecoin-powered payments as adoption surges, launching a new advisory practice to help banks, fintechs, and enterprises design, assess, and deploy stablecoin strategies across global payment and treasury operations.
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1 Top Cryptocurrency to Buy Before It Soars Over 1,000%, According to Bernstein | The Motley Fool

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1 Top Cryptocurrency to Buy Before It Soars Over 1,000%, According to Bernstein | The Motley Fool

Bitcoin’s price dip has not deterred Bernstein analysts.

Cryptocurrency investors are understandably nervous as Bitcoin (BTC 4.08%) has fallen around 20% in the last three months. Some fear this could be the start of another crypto winter, but analysts at Bernstein remain optimistic. The brokerage recently predicted that Bitcoin will rally in the coming two years. It also reiterated its price target of $1 million by 2033. With the lead crypto hovering around the $90,000 mark, that suggests an upside of over 1,000%.

Today’s Change

(-4.08%) $-3646.00

Current Price

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$85646.00

Cryptocurrencies are volatile assets, and unfortunately, huge price swings come with the territory. Bernstein’s targets are a timely reminder to focus on the long-term horizon, which could bring dramatic growth.

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A person wearing glasses types on a laptop keyboard.

Image source: Getty Images.

Why Bernstein remains bullish on Bitcoin

Bernstein had originally forecast that Bitcoin could reach $200,000 this year. The recent slump has poured cold water on that projection. Now, the analysts predict that Bitcoin will reach $150,000 by the end of next year and push on to $200,000 in 2027.

Continued institutional demand plays a key part in the firm’s belief that Bitcoin could reach $1 million by 2033. Bernstein points out that spot Bitcoin ETF outflows have been minimal in recent months, despite the extreme price correction. It argues that panic selling by retail investors is being offset by institutional buying.

Perhaps most importantly, Bernstein argues that Bitcoin has moved beyond its four-year Bitcoin halving cycle. Roughly every four years, the Bitcoin mining rewards get halved. It’s built into the programming as a way to control supply. In each of the previous cycles, Bitcoin’s price has risen to new highs in the 12 to 18 months after the halving.

  • 2016 halving: Bitcoin set a new all-time high in December 2017.
  • 2020 halving: Bitcoin set two new highs in April and November 2021.
  • 2024 halving: Bitcoin set new highs in December 2024 and October 2025.

If the pattern holds, we could expect Bitcoin’s price to trend downward next year, having peaked in October. The very expectation of a slump is one of the factors behind faltering investor sentiment. However, Bernstein is one of several crypto analysts who think we’re entering new territory.

It joins leading institutions, including Ark Invest and Grayscale, in saying that Bitcoin will break away from its old cycles. Rather than a prolonged winter, they argue 2026 could bring new highs. The logic is that Bitcoin has matured, attracting significant institutional funds. Plus, next year may bring further rate cuts and regulatory clarity.

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Bitcoin predictions are not set in stone

Price predictions are useful, especially when they come from established financial institutions. Even so, I’d take them with a grain of salt. This is still a relatively new and fast-changing industry, and there are too many moving parts to give more than a best guess. Case in point: Bitcoin is a long way from the $200,000 that Bernstein originally predicted for 2025.

Plus, those optimistic price targets only tell part of the picture. Analysts zoomed in on the stabilizing effect of institutional investors, which is just one of several possible growth drivers for the lead crypto. Others, such as its potential as a form of digital gold, are becoming harder to believe. For example, Bitcoin’s recent volatility undermines its safe-haven asset credentials. It has some of the traits of gold, but it doesn’t yet work as a store of value.

Similarly, in November, Ark Invest’s Cathie Wood slashed her price target for Bitcoin. She told CNBC that the rapid growth of stablecoins and their use in emerging markets eats into a role the firm thought Bitcoin would play. That said, her long-term conviction is still extremely bullish — to her, Bitcoin is a whole new monetary system, and we’re only just beginning to see what it might do.

The idea of an asset growing from $90,000 to $1 million in eight years is extremely attractive. It may happen — Bitcoin has gained over 400% since December 2017. However, it is an ambitious target, and that level of potential growth comes with corresponding levels of risk. Only allocate a small percentage of your portfolio to cryptocurrencies. That way, you benefit if Bitcoin goes to the moon, without risking your financial security if it falls to the gutter.

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Standard Chartered and Coinbase Expand Institutional Crypto Rails as Banking and Exchange Infrastructure Lock in

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Standard Chartered and Coinbase Expand Institutional Crypto Rails as Banking and Exchange Infrastructure Lock in
Standard Chartered and Coinbase are pushing institutional crypto adoption forward by expanding a global digital asset partnership, signaling deeper integration between regulated banking infrastructure and crypto-native platforms as institutional demand accelerates.
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