Stablecoin interoperability meets real-world purchasing power in the markets that need it most.
Africa’s digital payments market is estimated to reach $1.5T by 2030. The informal traders and SMEs driving much of that volume pay 3% to 8% to route payments through correspondent banks, then wait days for confirmation and absorb FX spreads at every step.
Today, Canza Finance, Arbitrum, and Tevau say they are closing that gap by establishing the rails for users to spend USDT0 (USDT0) in the real world.
Canza Finance is partnering with Arbitrum and Tevau to build end-to-end USDT0 deposit and Visa card-spend infrastructure for cross-border commerce in emerging markets.
Bridging Stablecoins and Real-World Payments
Canza's Autonomous Payment Protocol routes stablecoin liquidity across African payment corridors in Nigeria, Kenya, Ghana, and beyond. That settled liquidity now loads directly onto Tevau-powered Visa cards via Arbitrum.
For an SME trader moving goods between Nigeria and Kenya, the flow is simple. Settle in USDT0, load a Tevau card, and spend anywhere Visa is accepted. No conversion loss to a local bank. No three-day wait for wire confirmation. No middleman collecting a 4% fee to move funds.
Arbitrum is the network that makes this work at scale. Tether's dollar, the most widely used digital dollar globally, can now flow from any connected chain, settle through Arbitrum, and arrive as purchasing power in a trader's hand. Canza drives the volume. Arbitrum provides the rails. Tevau issues the card.
Stablecoins in the Real World
"Stablecoins have spent years competing over which network is fastest, but speed between chains means little if you cannot spend the balance in the real world," said Lorenzo R., Co-Founder of USDT0.
"For a trader in Lagos or Nairobi, routing money through correspondent banks can cost 3 to 8 percent and take days, often the equivalent of a day's wages lost to middlemen. USDT0 settles in seconds for a fraction of the cost, and this partnership extends that to the point of sale. A trader can settle in USDT0 and spend it at the counter the same day. That is what turns interoperability into everyday utility, and why it matters in markets that have paid the most for the least."
A Full Payment Cycle That Expands the Market
For Arbitrum, this partnership opens up transaction volume anchored in actual trade. Canza's corridors tap into the cross-border payments flowing across Africa every year, a market that is growing and increasingly moving onchain.
For USDT0, Canza adds a demand-side use case that expands where Tether's dollar can go and who can use it. Spend utility at the point of sale is what turns interoperability into everyday adoption. This has the potential to expand usage beyond crypto natives to merchants, traders, and small businesses that move goods across borders.
For Tevau, the partnership provides distribution into a fast-growing digital payments market, with Canza's existing corridors and user base expected to support early demand.
What Comes Next
This is Phase 1. The initial integration focuses on USDT0 deposits into Tevau cards via the Arbitrum network, with Canza's settlement layer handling cross-border routing and FX optimization upstream.
The longer-term architecture positions this as a full spend rail for CAPP-settled funds. This means that every cross-border payment routed through Canza's protocol would become a potential card load event. The model is simple: more corridors, more volume, more card activity, more USDT0 velocity on Arbitrum.
This architecture is underpinned by LayerZero’s Omnichain Fungible Token (OFT) standard, which the companies say provides a secure, cross-chain bridge for seamless USDT ↔ USDT0 transfers and helps maintain unified liquidity across supported networks.
About Canza Finance
Canza Finance is positioned as an emerging market settlement layer for stablecoin liquidity and real-world assets. CAPP, Canza's multi-agent payment protocol, is designed to enable sub-60-second cross-border settlement across African corridors. Learn more at canza.finance.
Arbitrum is an Ethereum Layer 2 network designed for fast, low-cost transactions with Ethereum-grade security.
Tevau provides regulated card infrastructure supporting stablecoin deposits to Visa-network cards globally.
USDT0 is designed to bring Tether assets to every network. Learn more at usdt0.to
(CMC Labs: Partnership)
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