Heritage Falodun — Fintech Founder, Bitcoin Researcher & Agentic Payments Innovator

Current Ventures

What I'm Building

Three companies advancing Stablecoins, Bitcoin and agentic payments adoption across the globe starting with Africa.

Active · 2025

Spendin

B2C making stablecoins and fiat spendable for everyday human starting with Africans, fiat offramps, merchant tools, tokenized USD cards and affordable transaction rails.

Consumer Fintech Offramp Swaps APIs Tokenized Cards

Active · 2024

Neona Synergy

B2B agentic payment infrastructure combining Bitcoin, stablecoins, and fiat rails for global remittance, purpose-built for African market realities.

Agentic Payments Bitcoin Stablecoins OTC Fiat

Founded · 2022

DigiOats

Heritage's first Bitcoin venture, a foundational platform for Bitcoin adoption in Africa with extensive work in Mining, Research and Open Source development.

Mining Open Source Development Bitcoin Research Education

About

Builder at the intersection of Digital Finance, Agent Payments and Artificial Intelligence

I'm Heritage Falodun, a fintech founder, Bitcoin protocol researcher, and product developer. I've spent the last five years building at the frontier of digital money in Africa and the global south.

I believe digital payment infrastructure with agentic capabilities using stablecoins and Bitcoin is the most important monetary technology of our era, and that its greatest impact is yet to come in emerging markets. Africa has the demographics, the need, and the infrastructure for digital assets, AI and Bitcoin-native financial systems.

My work spans founding companies, contributing research to SSRN and Bitcoin Magazine, consulting on digital asset growth strategy, and advocating for sustainable Bitcoin mining using Nigeria's abundant flare gas.

Read my full bio

Journey

Career Milestones

5+ years building, researching, and advocating at the frontier of digital finance, Intelligent payment solutions, and Bitcoin globally.

2025 · Current

Sustainable Bitcoin Mining Advocacy

Promoting flare gas-powered Bitcoin mining in Nigeria, converting energy waste into resilient, low-carbon Bitcoin mining infrastructure at scale.

2024 – 2025

Co-founded Neona Synergy & Spendin

Launched two payment startups combining stablecoins, Bitcoin, fiat rails, B2B agentic infrastructure and B2C consumer spending channels globally.

2024

Co-founded Cashwyre

A Layer-2 Lightning Network–backed payment infrastructure product delivering instant, low-cost payments for everyone, bridging Bitcoin's speed to everyday use.

2024

3rd Most Impactful Bitcoiner in Africa

Recognized among Africa's most influential Bitcoin advocates, researchers, and builders. A validation of years of grassroots Bitcoin education and product development.

2023

Bitcoin in Nigeria Media Program

Established a media initiative to enlighten over 200 million Nigerians on Bitcoin and digital payments. Later handed to the Bitcoin ecosystem for long-term sustainability.

2023

Bitcoin Magazine Contributor

Began publishing research on Bitcoin adoption in Africa, blockchain growth strategy, and sustainable mining, reaching a global audience of Bitcoin enthusiasts and investors.

2022

Co-founded DigiOats

At 22, launched his first Bitcoin-first fintech venture in Nigeria, covering Mining, Research, and Open Source Development, setting the foundation for Bitcoin adoption across Africa.

2021 · The Beginning

Africa Bitcoin Correspondent : Black Bitcoin Billionaires, USA

Served as Africa Bitcoin Correspondent for Black Bitcoin Billionaires, one of the largest Bitcoin communities in the world — representing the African Bitcoin narrative on a global stage and laying the groundwork for everything that followed.

Writing

Research, Essays & Opinions

Perspectives on Bitcoin protocol, African fintech, and the future of money.

SSRN and Orchid

Bridge, Tage_root and Agentic Payment Protocols

Deep analysis of next-generation agentic payment design, Tageroot Layer-2 BitFi dynamics, and building compliant lending layer onchain for global crypto markets.

Read Research Paper →

Forbes Digital Assets

CBDCs and Bitcoin

How decentralized payments infrastructure is transforming financial access across the continent, adoption, and the path to stablecoins and bitcoin-native economy.

Read on Forbes Digital Assets →

Mastermind Summit 25