The African travel economy is growing, but cross-border payments remain a challenge. Discover how stablecoins are shaping the industry's future by 2027.
Every December, Ghana throws open its doors. Through its December in GH campaign, the Ghana Tourism Authority invites visitors from across Africa and the world to spend the festive season in the country, and in October 2025 it launched that year’s edition with the aim of making Ghana Africa’s premier holiday destination.
Binjo answered the call. He decided to spend Christmas in Ghana from Lagos, Nigeria and see for himself what the excitement was about. He arrived at a short-let apartment with everything he needed for the holiday except one thing, cedis. He had arranged the stay directly with the host, at $50 a night, to be paid on arrival.
But he had only just landed, and getting hold of local currency in his first few hours in a new country was not going to happen quickly. So he did what many travellers do when they’re stuck. Ask if there was another way he could pay for his accommodation. He asked the facility manager if he would accept Stablecoin and fortunately, he did.
He got the host’s wallet address, opened his Quidax app and sent the USDT straight to the host. The payment landed in minutes. Binjo had his keys, the host had been paid in full, and nobody needed a currency exchange counter, a bank transfer or a card that might be declined.
Africa welcomed about 81 million international tourists in 2025, up 8% on the year before, the fastest growth of any region in the world, according to UN Tourism’s World Tourism Barometer. The money behind it is growing too. The World Travel & Tourism Council expects travel and tourism to contribute about $241bn to Africa’s economy in 2026, up from about $228bn in 2025, and to support 31.5 million jobs, according to the African Travel and Tourism Association .
International visitors alone are forecast to spend about $80bn in 2026. Borders are slowly opening as well. The Africa Visa Openness Index 2025 recorded 814 visa-free travel routes between African countries, the highest since the index began, according to The New Times via AllAfrica. That is still only about 28% of all possible routes, but the direction is clear.
Here is the problem. Africans can increasingly travel to each other’s countries, yet paying in them is still harder than it should be. When a Nigerian pays with a card in Ghana, the money rarely moves straight from naira to cedis. It is usually converted through the US dollar first, and every conversion adds a cost and sometimes takes time.
Waiting for cash on arrival, at the airport or at a currency exchange counter. For travel businesses, it is just as painful. A guesthouse, tour operator or short-let host who wants to welcome guests from across Africa has to deal with payments from many currencies, often slowly and expensive.1. Travellers will carry dollars on their phones Stablecoins are digital tokens built to hold the value of a currency, usually the US dollar.
USDT and USDC are the best known. For a traveller, a stablecoin balance works like a dollar wallet that travels with you, ready to pay in any country without a currency exchange counter. Stablecoins also make it easy for someone else to pay for you. A family member or a friend covering a trip for you could send your stablecoin to your wallet or even send it straight to the accommodation facility.
A friend in Lagos, for example, can check the This means the company has to have a stablecoin Infrastructure in order to accept stablecoin payment.2. Hosts and small businesses will accept stablecoinswork end to end or even blockchain in general. They needed to get paid, quickly and in full, and then withdraw that payment in cedis when they were ready.
That is how stablecoin acceptance is spreading in travel: not as a replacement for local currency, but as a way to receive payment from anyone, anywhere, and convert it locallyThe bigger shift will happen where travellers don’t even see it. Travel agencies, booking sites and airlines can add stablecoin payments or API into their checkout, then settle in whatever currency they need.
As more African travellers already hold stablecoins, platforms that accept them will stand out, especially for travel within Africa, where card payments still struggle. According to Abiodun Oni, Head of Crypto &Sales at Quidax, the travel businesses that grow fastest over the next two years are likely to be the ones that let guests pay the way they already hold their money, and more African travellers are already holding it in stablecoins.
A stablecoin sent to the wrong wallet address cannot be called back. Always check the address and the network, and send a small test payment first for larger amounts. Each market treats crypto and stablecoins differently, so travel businesses need licensed partners that follow local rules. That is why choosingThe stay in Ghana cost $50 a night, and the payment took minutes.
But the lesson is bigger than one stay. African travellers are already moving between countries with dollars on their phones. The travel businesses that make it easy for them to pay will be the ones they choose, and come back to, in 2027. This material, and other digital content on this website, may not be reproduced, published, broadcast, rewritten or redistributed in whole or in part without prior express written permission from PUNCH.
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