As an opinionated observer of the fintech space, I find Gluwa’s story a refreshing antidote to blockchain cynicism. It demonstrates that the oft-repeated mantra “blockchain will bank the unbanked” can be more than conference jargon; it can be a living, breathing solution deployed in the wild. Gluwa has proven that blockchain is more than just tokens: it’s loans for the market woman in Lagos, a credit score for the farmer in Kaduna, and a new tool in a central bank’s toolkit in Abuja. And they’ve done it not by loudly disrupting from the outside, but by rolling up their sleeves and collaborating on the inside.