BlackCard Capital is a payments advisory for fintechs, banks, travel businesses and companies moving money across African markets: into Nigeria, out of Nigeria and between them, on bank, card, mobile money and stablecoin rails. We have built these businesses from the inside, and we bring that experience to yours.
Services
Each engagement is led by a founder. We scope tightly, work alongside your team and leave you with something you can run.
Market entry into Nigeria and across Africa: the right licences and partners, the payment rails to run on, including stablecoins, and cross-border collections, payouts and settlement. We negotiate with processors, switches and card brands, so you know what each option really costs.
Using dollar stablecoins to collect, pay out and settle across African and global markets: on- and off-ramps, custody and liquidity partners, and the CBN and SEC route, all inside the rules.
Taking a fintech to market and to scale: sponsor-bank and partner deals, readiness for regulatory approval and bank due diligence, the sales team, distribution channels and the campaigns that turn sign-ups into active users.
Helping banks launch digital products and virtual banks, work with fintech partners on the right terms, and build the retail sales teams and channels that grow the customer base.
Payments, cards and financing for airlines, online travel agencies and travel businesses: checkout and collections across markets, travel cards and FX, pay-later instalment plans, and loyalty and rewards. Built on our work at Wakanow and Kalabash.
Credit, debit and prepaid card programs that earn more, grow faster and cost less to run: pricing, credit policy, activation and usage, and portfolio performance.
African payments
International companies want into Nigeria. Nigerian businesses want to sell, collect and settle across Africa. We help both sides choose the right rails, licences and partners, and get live faster.
Into Nigeria
From Nigeria into Africa
Crypto and stablecoins
Dollar stablecoins are now a real cross-border channel for Africa. We help payment companies, fintechs and banks use them safely: as a faster, cheaper way to collect, pay out and settle across markets, inside the rules.
~60% of sub-Saharan Africa’s stablecoin inflows since 2019 have gone to Nigeria. IMF, 2026
Rails we work across
Markets we have operated in
What we optimise
Whether it is a fintech, a bank, a travel business or a payments company, we judge every recommendation by what it does to these three lines.
Transaction fees, interchange, interest, FX margin and partner income, priced to what your customers will actually pay.
Acquisition, activation and usage, so more people sign up and more of them transact every month.
Processing, switching and card brand (scheme) fees, vendor contracts and incentives: renegotiated, restructured or removed.
Who we serve
Founders
One of us built products and sales teams inside banks. The other built payments, card and travel fintech businesses at Wakanow and Kalabash. Clients get both views in the same room.
Co-Founder & Director
More than 17 years across banking, e-commerce and digital financial services, specialising in cards, payments and travel tech. Ladi led cards and payments at Wakanow, launching prepaid travel card, rewards and instalment-payment operations across Nigeria, Ghana, Kenya and the UK. He also built Kalabash, a travel fintech, from the ground up.
Co-Founder & Director
Thirteen years in Zenith Bank's Card Services department as Head of Product Development and later Business Development, designing card programs and e-payment products. Obi built the bank's pioneer retail sales team of more than 200 people, then went on to head Stanbic IBTC's virtual bank.
Approach
Every engagement follows the same three phases, sized to the problem. You see findings early and decide at each step.
We interview your team, review the numbers and scan the market to find what is really holding the product back.
We lay out the options with a business case for each, shortlist partners and agree the plan with you.
We work with your people through launch: playbooks, vendor management, targets and the first months of results.
Plain advice, specific numbers and people who have done the work.
Contact
Send a short note on the product, the market and where you are stuck. One of the founders will reply within two working days.