Bitcoin Magazine Podcast How Bitcoin Is Powering Private Credit and Jobs Across Africa
Dec 23, 2025
Stafford Masie, Executive Chairman of the Africa Bitcoin Corporation and a fintech entrepreneur, joins Shawn Owen, Founder and CEO of Salt Lending. They dive into how Bitcoin is revolutionizing private credit across Africa, linking it to job creation and economic dignity. Stafford shares insights on using Bitcoin to assess human yield, while Shawn discusses leveraging Bitcoin as collateral for lending. They also highlight the importance of distinguishing Bitcoin from other cryptocurrencies and predict a transformative moment for Africa in 2026.
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Bitcoin-Backed Private Credit Scales Impact
- Stafford Masie repurposed a private credit SMME lender into a Bitcoin-backed treasury to scale impact across Africa.
- He measures "human yield" (jobs created per BTC) alongside Bitcoin NAV and yield to track social outcomes.
Embed Bitcoin In Loan Structures
- Use a portion of loan proceeds to buy and hold Bitcoin and lower borrower rates as an incentive.
- Split excess Bitcoin gains with borrowers or use them to settle loans to align incentives.
Lower Friction For BTC Loans
- Make borrowing against Bitcoin low-friction and relationship-driven to reduce stress for clients.
- Start small with custody options, then expand to yield and loans as clients gain comfort.