Nigerian Startup Apexpay Builds Crypto Spending Rails as Nigeria Leads Global P2P Adoption

Nigerian startup Apexpay is building infrastructure to make cryptocurrency directly spendable in everyday transactions, targeting a market where Nigeria tops the global peer-to-peer crypto adoption index. The product is positioned as a spending-rail layer on top of the utility-driven crypto behaviour quantified in Chainalysis first-half 2026 data reported on 25 September.