Nigerian fintechs can crack the continent's $330 billion MSME funding gap by building shared credit infrastructure that works across borders.

Evidence For

• CreditChek just closed a $600,000 round led by Janngo Capital to launch in Kenya, Uganda and Rwanda, giving lenders unified borrower intelligence.
• Nigeria already moves over a quadrillion naira yearly through instant rails built on BVN identity and two million agents.

Evidence Against

• Kenyan subsidiaries of GTCO,...