About
Paul Joe is the co-founder and COO of Daya, the Lagos-based stablecoin payments infrastructure company he launched in October 2025 alongside Tomiwa Lasebikan. Based in Nigeria, Joe leads the operations and business development of a platform that provides virtual USD bank accounts, stablecoin settlement infrastructure, and cross-border payment cards, enabling African businesses to settle transactions at a fraction of traditional FX costs. Daya raised a $2.4 million pre-seed round in June 2026 — oversubscribed and led by Hivemind Capital — validating the market appetite for the infrastructure Daya is building.
Joe belongs on the Borderless 100 because the cross-border payments problem remains one of Africa's most consequential infrastructure gaps, and the operational work he leads at Daya is part of what the ecosystem needs to close it. As stablecoin rails become more integrated into African financial services, the business relationships and compliance processes he is building become the load-bearing layer beneath the technology.
Profiles 
