BUILDING MOBILE MONEY
FOR THE DIGITAL DOLLAR ERA

When I think about the companies solving real adoption challenges in crypto, MiniPay by Opera stands out for one simple reason: they're not building for crypto natives — they're building for the next billion users.

Watch their 30-second intro to see just how simple sending digital dollars can be: Intro to MiniPay

THANK YOU TO MURAL PAY

Season 2 of stableminded is proudly supported by Mural Pay. Their vision for instant cross-border payments and commitment to transforming how money moves globally makes them the perfect partner for "A Worldview of Stablecoins."

Whether you're a business handling international payroll, managing cross-border settlements, or looking to streamline global payments, Mural Pay's platform makes it seamless.

_{DISCLAIMER: This podcast + newsletter is made in collaboration with Mural Pay and is therefore sponsored. All editorial decisions, opinions, and conclusions expressed are entirely those of our own and remain independent of any external influence.}

THE POWER OF DISTRIBUTION
& ADVANTAGE OF SIMPLICITY

Here's what makes MiniPay unique:

• Built directly into Opera Mini, Africa's dominant mobile browser with 100M+ users

• Simple onboarding through Google authentication

• Send money using just phone numbers — no complex crypto addresses

• Native integration with local payment partners

• Built on Celo for gas-free stablecoin transfers

What stands out about MiniPay isn't just what they've built — it's what they've left out.

While most crypto products race to add features, MiniPay focused on removing friction:

• No seed phrases to remember

• No blockchain addresses to copy

• No gas fees to worry about

• No crypto jargon to learn

Just simple, instant payments using phone numbers.

BRIDGING DIGITAL
AND PHYSICAL MONEY

Through partnerships with companies like Yellowcard and Fundbank, MiniPay solves both sides of the adoption equation:

1. Making it easy to get stablecoins through local payment methods

2. Creating real utility through enterprise integrations

The result? A seamless experience that feels more like traditional mobile money than crypto — exactly what mainstream adoption needs.

So what’s next for Minipay? Some exciting developments ahead:

• iOS app launching soon (currently in TestFlight)

• Global expansion beyond Africa

• New merchant payment solutions

• Enhanced enterprise payout features

Whether you're building in emerging markets or interested in simplified crypto UX, this episode delivers crucial insights into making stablecoins accessible to everyone.

Watch the full episode: MiniPay Episode 
Listen on Spotify: stableminded Channel

BUILDING AN ECOSYSTEM
NOT JUST A WALLET

What fascinates me most about MiniPay's approach is how they're fostering a whole ecosystem around their platform. During the conversation, Charles shared some exciting developments that showcase this:

Emerging Use Cases:

• Local developers are building payment apps directly on MiniPay

• A new app called Pritayam enables direct merchant payments without requiring merchant adoption

• Opera's own content creator network is using MiniPay for mass payouts

• Enterprise solutions are emerging for companies with distributed workforces

The Celo Advantage:

Charles's explanation of why they chose Celo was particularly enlightening. Two features stand out:

1. Native phone number mapping at the protocol level, enabling privacy-preserving payments

2. The ability to pay transaction fees in stablecoins, removing the need for users to hold native tokens

This infrastructure is enabling new types of applications we haven't seen before in the stablecoin space. It's not just about sending money anymore – it's about creating new economic opportunities.

WHAT THIS MEANS FOR ADOPTION

When you combine Opera's distribution power with seamless user experience and an emerging ecosystem of applications, you get something truly powerful: a platform that could bring millions of new users into the stablecoin economy.

Let's put this opportunity in perspective:

Distribution meets demand:

• Opera Mini has over 100M monthly active users in Africa

• These users are already comfortable with mobile money systems

• Most importantly, they're actively seeking better access to dollars

• The platform is expanding globally through standalone apps

It could be the perfect storm as three key factors are converging:

1. Growing demand for digital dollars in emerging markets

2. Maturation of stablecoin infrastructure and regulatory clarity

3. Enterprise adoption of stablecoin payments for global workforces

This isn't just about individual users. Opera is already using MiniPay to pay their network of content creators, setting a precedent for other enterprises to follow. When major platforms start moving their payment infrastructure to stablecoins, the network effects could be exponential.

"2025 will be a great year on the adoption front," Charles told us. "We're clearly riding a wave, and now we just have to stay on the surfboard as the wave grows."

The beauty of MiniPay's approach is that users don't need to understand blockchain or crypto – they just need to want easier access to dollars. In markets where currency volatility is a daily reality, that value proposition sells itself.

If MiniPay's early traction is any indication, that wave isn't just beginning to build – it's becoming a tsunami. The combination of Opera's distribution, Celo's infrastructure, and partnerships with companies like Yellowcard and Fundbank is creating a blueprint for how stablecoins can achieve mainstream adoption.

And perhaps most importantly, it's happening where it matters most: in markets where stable, accessible digital currency can have the biggest impact on people's daily lives.

I can't help but feel incredibly bullish after conversations like this. MiniPay is bringing digital dollars to millions, and they're just one piece of the global story we're exploring this season.

Wait until you see who we're talking to throughout the rest of Season 2.

Stay Stable,

Drew and Zach