# Introduction

Africa, with its 54 countries, has over 40 local currencies, making local payments difficult for the approximately 60 million international tourists ($27 billion in revenue) and 35 million digital nomads who visit the continent every year. As a tourist, you could spend an entire day dealing with payments. Take Nigel H., for example, who had to wait a couple of hours at a restaurant in Ghana for a friend to bring Cedis. He experienced the same payment challenges when he traveled to Nigeria. 

Nigel could have used Sereé to make local payments via Ghana Mobile Money (Momo) and Nigerian bank transfers or withdraw physical cash from the over [7 million active mobile money agents](https://www.techafricanews.com/2023/04/19/gsmas-report-on-mobile-money-sheds-light-on-the-rising-popularity-of-the-service-globally/) in Africa easily, using the cryptocurrencies in his wallet.

In short, **Seree** is a universal payment solution that enables native fiat payments without requiring a local Mobile Money or Bank account in Africa.