The ADE Journal

Practical notes on building fintech, VTU platforms, apps and AI automation in Nigeria, from the team that runs them.

VTU & fintech

29 Sep 2026·2 min read

The honest answer is "it depends", so here is exactly what it depends on, and how to avoid paying twice.

27 Sep 2026·1 min read

The platform is the easy part. Here is what separates VTU businesses that grow from the ones that stall.