Ghana is on the cusp of a regulatory overhaul that could place it among Africa’s most forward-looking economies when it comes to digital assets. With the central bank expected to present a crypto licensing framework to parliament in September 2025, the next few weeks will be pivotal not just for Ghana’s fintech future, but for the broader West African region. The urgency is well placed. According to Chainalysis data , Ghana recorded over $3 billion in crypto activity between July 2023 and June 2024, a staggering figure that underlines both the appetite for digital assets and the risks of operating without a clear legal framework. A robust, well-balanced policy could transform this informal momentum into sustainable economic value in the country, expanding access to capital, improving financial inclusion, and generating new revenue streams for the state. If passed in, the framework would permit only registered exchanges and wallet providers to operate legally, subject to capital t...