Nigeria, June 12 -- A few years ago, cryptocurrencies occupied the fringes of Nigeria's financial system. They were associated largely with traders, technology enthusiasts, and some young risk-takers willing to experiment with emerging financial tools. Today, that reality has changed dramatically.

I have associates who are freelancers and who receive their salaries in stablecoins, entrepreneurs who pay foreign suppliers through digital assets, and young professionals who quietly keep part of their savings in USDT, rather than in naira accounts. For many of them, stablecoins are no longer speculative investments. They have become practical financial instruments for everyday life.

This growing adoption explains why the International Monet...