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Many remarkable stories can trace their beginnings to the University of Oxford. J.R.R. Tolkien wrote much of The Hobbit and The Lord of the Rings there. Between 2021 and 2022, a conversation about stablecoins between two Master of Business Administration (MBA) students on the school’s basketball court sparked a story that would eventually become a startup. At the time of the conversation, Prince Nnamdi Ekeh was the co-CEO of Konga Group following the merger with his online marketplace Yudala, giving him a front-row seat to the challenges of payments and foreign exchange. Zachary Schwartzman, the second of the courtside pair, had gotten interested in African tech after covering the initial public offerings (IPOs) of Jumia as a Wall Street analyst. Their conversation circled the use of stablecoins and how they could solve real problems in markets like Nigeria and across Africa. Years later, they would start Stablyl, a fintech startup co-founded by Ekeh, Schwartzman, and Michael Anyi, a software engineer with over a decade of experience building financial infrastructure. Emerging from stealth with a $2.7 million pre-seed investment led by Konga, the startup is a liquidity exchange for financial institutions and payment service providers, built to make foreign exchange liquidity easier to access and settlements nearly instantaneous. Net foreign exchange inflow into Nigeria’s economy was $6.92 billion in February 2026, according to the Central Bank of Nigeria’s monthly economic report. Yet, the infrastructure through which that liquidity moves is fragmented, with payment service providers, banks and large institutions relying on multiple relationships to source foreign exchange. “Our goal is to connect these participants on one platform, creating the deepest and most accessible liquidity pool on the continent,” Schwartzman said. How Stabyl works Stabyl is neither a consumer-facing app nor a cross-border payments platform. The problem it aims to solve lies at the point where financial institutions source foreign exchange before a payment can be made. Ekeh illustrated this with the example of a large institution like Konga. He explained that when the e-commerce company needs foreign exchange, its treasury team typically reaches out to multiple banks, payment service providers, and liquidity providers to compare rates and source liquidity. By the time approvals are received and counterparties respond, market prices may already have shifted, forcing the process to begin again or settle at a less favourable rate. Stabyyl’s solution is to replace those fragmented bilateral negotiations with a central limit order book (CLOB), in which buyers and sellers of foreign exchange can automatically post and match orders. “Everybody on Stabyl can create a transaction, and that transaction gets matched and queued immediately, Anyi told TechCabal in an interview on Friday. “That entire process of having to make calls, hold transactions, figure out rates and do all this manual labour is completely removed.” The startup said its liquidity is aggregated from participating payment service providers (PSPs) and financial institutions, and maintains its own liquidity reserves with unnamed selected partners to ensure liquidity remains available when demand exceeds natural market activity. On Stabyl, settlement occurs across both traditional banking infrastructure and blockchain networks. For fiat transactions, Stabyl noted that it partnered with KongaPay as its official naira settlement partner. On the stablecoin settlement side, wallet infrastructure is provided by DFNS, a multi-party computation (MPC) wallet provider. The company noted that it currently supports USDT (Tether) and USDC (USD Coin) stablecoins. Still, it maintained that its infrastructure is blockchain-agnostic, selecting networks based on cost, speed, settlement finality, and the needs of its institutional clients. “Stabyl is connecting stablecoin rails with fiat banking rails because you can’t separate the two,” Ekeh noted. “Stablecoins are great, but they’re not great on their own. You still need to convert back to local currency.” In practice, when a PSP deposits naira on Stabyl through KongaPay, it can then place an order at its preferred exchange rate or match one already available on the platform. Once the transaction is executed, participants can settle and withdraw in either fiat currency or stablecoins. For institutions that want to integrate the infrastructure directly into their treasury systems, Stabyl also noted that it provides Application Programming Interface (APIs) that offer programmatic access to its liquidity pool. The business of building the infrastructure Many FX businesses in Nigeria make money by capitalising on the exchange rate spread, meaning they buy currencies at a low rate and sell them at a higher rate. Rather than holding inventory and earning a spread, Stabyl said it charges a take rate on each transaction processed through the platform. The company did not disclose the figure but said it intentionally keeps it low to incentivise institutions to push more volume through the platform. “What we want to do is grow the liquidity pot,” Schwartzman said. “That is where we see the opportunity: by growing liquidity for clients. We believe that will allow clients to provide more liquidity, do more trades, and be more successful.” Stabyl’s emergence from stealth comes as Nigeria’s regulatory environment for digital assets has shifted considerably in its favour. The CBN lifted its ban on cryptocurrency transactions in 2023, and the Securities and Exchange Commission followed with its Accelerated Regulatory Incubation Programme, bringing virtual asset service providers into a formal compliance framework. “The regulatory direction is clear,” Schwartzman said. “We would rather build this infrastructure correctly from the start, working hand-in-hand with regulators, than arrive late to a settled market.” In the same space, companies like Onafriq, Yellow Card and Fincra are building payment infrastructure across Africa. Stabyl, however, maintained that these companies are its potential customers, not competitors. “We’re trying to provide liquidity to other liquidity providers, foreign exchange companies, payment service providers and financial institutions,” Schwartzman said. “So, if we look at everything as a pie, we’re not trying to gain market share from this pie. We’re creating more dough to make this a bigger pie for everyone.” The company stated that the pre-seed funding from Konga will be used for regulatory licensing, infrastructure build, and compliance. Beyond capital and being its naira
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Until January 2023, when Starlink launched in Nigeria—its first African market—the continent’s telecom industry operated on a simple assumption: connectivity had to be built from the ground up. Mobile operators have spent decades investing billions of dollars in towers, fibre networks, spectrum licences, and, more recently, data centres to connect millions of people across Africa. The farther a community was from existing infrastructure, the more expensive and difficult it became to serve. Starlink’s arrival challenged that logic. By delivering high-speed internet directly from low-Earth orbit satellites, the company introduced a new connectivity model that bypassed many of the infrastructure constraints that have long shaped Africa’s telecom industry. Three years later, as Starlink expands across the continent and attracts a growing subscriber base, mobile operators are being forced to rethink not only how they extend coverage but also how they compete, invest, and grow. Starlink now operates in 27 African countries and delivers faster download speeds than most traditional fixed broadband providers, according to the latest data from Ookla’s Speedtest Intelligence, released on June 15. In response, operators including MTN, Airtel, Orange, and Vodafone are forging partnerships with satellite companies to expand rural coverage, lower network costs, and unlock new revenue opportunities. The result is a fundamental shift in Africa’s telecom playbook. Starlink reaches an “estimated half a million users by the end of 2025 in Africa, out of around 10 million globally, with the Americas and Asia leading,” according to the Ookla report. Subscriber data remains scarce across Africa, as only a handful of telecom regulators publish such figures. In Nigeria, the Nigerian Communications Commission (NCC) reported 91,991 Starlink subscribers in Q4 2025, making it the country’s second-largest internet service provider. Kenya’s Communications Authority reported 19,470 subscribers in September 2025, while Rwanda’s Utilities Regulatory Authority (RURA) recorded 4,489 subscribers in Q2 2025. Starlink’s rise has been driven largely by frustrations with Africa’s broadband infrastructure. Across many African countries, consumers and businesses continue to face unreliable fibre connections, limited broadband availability, slow speeds, and restrictive data allowances. In areas where fibre does not exist, Starlink offers something that traditional providers often cannot: fast internet delivered almost anywhere. Mukesh Chandra, former chief technology officer at Globacom and telecom infrastructure consultant, said the comparison between satellite broadband and terrestrial networks often overlooks the technical limitations that continue to favour fibre and mobile infrastructure. Chandra explained that satellite internet cannot completely avoid delays because signals must travel between Earth and satellites before reaching users. This makes response times slower than on mobile networks. By contrast, 5G was built to reduce these delays, making activities such as video calls, gaming, and real-time applications run more smoothly. While Starlink has shown impressive download speeds across several African markets, Chandra argued that bandwidth delivered through satellites cannot match the scale of fibre-backed mobile networks. “Bandwidth delivered through satellite cannot be compared with bandwidth delivered through fibre. Fibre will always be superior,” he said. “Satellite communications are most effective in areas where fibre or microwave infrastructure cannot be deployed and where operators lack network coverage.” Not a threat, a collaboration When Starlink first entered African markets, many analysts predicted a showdown between satellite broadband and mobile operators. That feared showdown has largely failed to materialise. The economics simply do not support it. While Starlink’s monthly subscription fees are competitive in some markets, including Ghana and Zimbabwe, the service remains out of reach for many Africans because of the high upfront cost of equipment, which ranges from $200 to $700. Even as the company continues to expand its footprint, reaching 27 African countries after securing a licence to operate in Côte d’Ivoire on June 17, the cost of entry remains a significant barrier to mass adoption. The technology also suffers from practical constraints. Users need specialised hardware, indoor coverage remains weak, and Direct-to-Device services still support only limited functionality. These realities have convinced operators that satellite internet is unlikely to replace mobile networks. Instead, it offers an opportunity to solve one of the industry’s most persistent challenges: rural connectivity. Chandra believes this explains why operators increasingly view Starlink as a partner rather than a competitor. “There is significant scope for satellite communications in Nigeria, particularly in offshore and remote areas where terrestrial networks struggle to reach,” he said. “But satellite services and mobile networks are designed for different purposes.” That view is increasingly shared across the industry. “Ultimately, we have to embrace LEO satellites; they are not going away,” MTN Group CEO Ralph Mupita said during the company’s Capital Markets Day on June 11, monitored by TechCabal. “We have already started one or two partnerships, particularly in Zambia with Starlink.” MTN began a proof-of-concept trial of Starlink’s Direct-to-Device technology in Zambia on March 7, while MTN South Africa conducted successful voice and SMS trials with satellite provider Lynk Global during the same period. “We are embracing the technology; we are not running away from it,” Mupita said. “A person connected at home will increasingly be using a combination of these technologies.” MTN did not respond to the request for additional comments for this story. The same shift is playing out across the industry. In December 2025, Airtel Africa partnered with SpaceX to distribute Starlink broadband and support Direct-to-Device services across its 14 African markets. Vodafone followed in March 2026, partnering with Amazon’s Project Kuiper to provide satellite connectivity and backhaul services across Africa. In June 2025, Orange signed a multi-year agreement with Eutelsat OneWeb to support enterprise connectivity, government services, and mobile backhaul. Alastair Jones, Head of Investor Relations at Airtel Africa, noted that terrestrial or earth-bound, physical telecom infrastructure investments remain the company’s primary priority even as they lean into satellite ecosystems. “We see satellite technology as complementary and likely to co-exist to enhance the customer proposition,” Jones told TechCabal in an emailed response. “As you may know, we have partnered with Starlink across our markets, reflecting the complementary nature of satellite technology to our offering.” Why the collaboration is growing Despite decades of telecom investment, large
Read MoreTable of contents Pixel 11 vs Pixel 10 at a glance What’s changed Price Release date Pixel 11 Pro vs Pixel 10 Pro Pixel 11 Pro XL vs Pixel 10 Pro XL Pixel 11 Pro Fold vs Pixel 10 Pro Fold Should you upgrade? The Pixel 10 is already on shelves, but information about the Pixel 11 keeps piling up. If you bought a Pixel 10 last year, or you’re still deciding on a new phone, this guide breaks down everything we know so far. Google hasn’t confirmed a single Pixel 11 spec yet. Everything else here is based on speculations, mainly a Telegram post from a leaker called Mystic Leaks that surfaced on May 4, 2026, along with render images shared by OnLeaks. We’ve tagged every Pixel 11 detail as speculation, so you know exactly what to trust and what to treat as a rumour. Here’s how the two phones compare. Pixel 11 vs Pixel 10 at a glance What’s changed Here’s a closer look at what’s different between the two phones. 1. Design and display The Pixel 10’s screen measures 6.3 inches, with a resolution of 1080 by 2424 and a refresh rate ranging from 60 to 120Hz. Peak brightness tops out at 3,000 nits. The Pixel 11 looks set to keep the same screen size and resolution, but leaks suggest a small brightness bump, peaking at around 3,100 nits. Renders shared by OnLeaks, via Android Headlines, show a few changes on the outside. The camera bar switches to an all-glass, single-tone look instead of the two-tone aluminium strip on the Pixel 10. The bezels look thinner, too, and the body is rumoured to be about 0.1mm thinner overall. One thing missing from the back of the Pixel 11: the infrared temperature sensor. Google is reportedly removing it from every model to make room for a new feature called Pixel Glow. 2. Camera The Pixel 10 already has three rear cameras. There’s a 48MP main lens, a 13MP ultrawide, and a 10.8MP telephoto with 5x zoom. The Pixel 11 is rumoured to get a new 50MP main sensor, internally codenamed chemosh, which would mark the first hardware change to the base model’s main camera in a while. Leaks haven’t confirmed details for the ultrawide or telephoto lens, and there’s no sign the base Pixel 11 will get the camera upgrades rumoured for the Pro models. Most of the camera gains this year are expected to come from software, such as an upgraded Cinematic Blur mode and new AI video tools running on the Tensor G6 chip. 3. Performance and chipset The Pixel 10 runs on Google’s Tensor G5 chip, built on a 3nm process, paired with a Samsung Exynos modem. The Pixel 11 is rumoured to switch to the Tensor G6, built on a smaller 2nm process, and swap the Samsung modem for a MediaTek M90. If that holds, it would be the first Pixel phone without a Samsung modem, which could help with the connection issues some Pixel owners have reported over the years. There’s one catch worth watching. Android Authority points out that the Tensor G6’s new GPU appears to be based on older 2021-era graphics architecture, so gaming performance gains might be smaller than expected. Then there’s the RAM question. The Pixel 10 ships with 12GB of RAM across the board. Leaks suggest the Pixel 11 base model could drop to 8GB, with 12GB only available on higher storage tiers. Even the leaker who posted this detail marked it with a question mark, so treat it as a possible downgrade rather than a confirmed one. The timing lines up with a global memory chip shortage that’s pushing manufacturers toward cheaper RAM configurations in 2026. 4. Battery and charging The Pixel 10 has a 4,970mAh battery, and it charges at 29W over a cable or 15W wirelessly with Qi2. Leaks put the Pixel 11’s battery at 4,840mAh, about 130mAh smaller. Charging numbers haven’t leaked yet, so we’re assuming Qi2 wireless charging carries over until Google says otherwise. A smaller battery alongside a possible RAM cut means the Pixel 11 will need the new chip’s efficiency gains to hold onto similar battery life. 5. AI features Google announced Gemini Intelligence at The Android Show on May 12, 2026. To use it, a phone needs a Gemini Nano v3 flagship-level chip, at least 12GB of RAM, and several years of guaranteed software updates. The Pixel 10 meets every one of these, so it already has access to Gemini’s full AI features. This is where the RAM rumour gets interesting. If the base Pixel 11 really does ship with 8GB of RAM, it would fall short of Google’s own 12GB requirement and miss out on Gemini Intelligence entirely. 9to5Google has pointed out that this makes the 8GB leak look shaky, since locking the cheapest Pixel 11 out of Google’s headline AI feature would be an odd move. Treat this as an open question rather than a settled fact, since nothing here has been confirmed by Google. Pixel Glow is the other big addition. It’s an RGB LED light built into the camera bar that replaces the old infrared temperature sensor, and it lights up during AI activity or when your phone is face down to show notifications. Leaks suggest every Pixel 11 model gets it, including the base phone. Since Pixel Glow needs new LED hardware, it’s unlikely to reach the Pixel 10 through a software update. Price The Pixel 10 launched at $799. Pricing for the Pixel 11 hasn’t leaked in any concrete way, but most outlets expect it to start near $799, too, with some predicting a $50 to $100 increase. A few things make a price increase likely this year. Memory chip prices have jumped by close to 70% since early 2025, and the cost of building phones has risen by double digits across the board. Samsung already raised the price of its Galaxy S26 by $100 compared to the S25, while Apple kept iPhone
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