There’s a gap in the stablecoin stack that almost nobody talks about. You can bridge USDT0 across chains in seconds. You can earn yield on it. You can route it through protocols with sub-cent
There’s a gap in the stablecoin stack that almost nobody talks about. You can bridge USDT0 across chains in seconds. You can earn yield on it. You can route it through protocols with sub-cent fees. But the moment someone in Lagos or Nairobi actually wants to spend it — on fuel, on inventory, on the everyday friction of running a business — the rails fall apart.
That gap is closing today.
Canza Finance is partnering with Arbitrum and Tevau to build the first end-to-end USDT0 deposit and spend infrastructure via Visa cards — purpose-built for cross-border commerce in emerging markets.
The mechanics are straightforward. The implications are not.
Canza’s settlement infrastructure — built on the Canza Autonomous Payment Protocol (CAPP) — routes stablecoin liquidity across African payment corridors. That liquidity now has a spend rail: Tevau-powered Visa cards that accept USDT0 deposits directly from the Arbitrum network.
For an SME trader moving goods between Nigeria and Kenya, this means: settle in USDT0 via CAPP, load a Tevau card, spend anywhere Visa is accepted. No conversion loss to a local bank. No three-day wait for wire confirmation. No middleman collecting 4% for the privilege of moving your own money.
The Arbitrum integration is the interoperability layer that makes this composable at scale. USDT0 — the omnichain stablecoin standard — can now flow from any connected chain, settle through Arbitrum, and arrive in a spendable card balance. Canza drives the volume. Arbitrum provides the rails. Tevau issues the card.
The stablecoin narrative has spent years arguing about which chain wins. The emerging market reality is that users don’t care about the chain — they care about whether their money moves without getting taxed by TradFi at every step.
Africa processes over $1.5 trillion in cross-border payments annually. The informal and SME segment — the actual backbone of intra-African trade — is almost entirely unserved by efficient stablecoin infrastructure. Most cross-border payments still route through correspondent banking networks that charge 3–8% and settle in days.
USDT0 on Arbitrum, deployed through Canza’s settlement layer and spent via Tevau cards, is a direct attack on that margin. It doesn’t require the user to understand DeFi. It requires only that they have a card and an internet connection — both of which are increasingly ubiquitous across the continent.
For the Arbitrum ecosystem, this partnership represents something specific: real GMV flowing through the network, not speculative activity. Canza’s corridors — Nigeria, Kenya, Ghana, and beyond — generate transaction volume anchored in actual trade. That’s the kind of TVL narrative that means something beyond liquidity mining cycles.
For the USDT0 ecosystem, Canza’s integration adds a demand-side use case that complements the existing interoperability thesis. Bridging efficiency matters. But spend utility — the ability to turn a stablecoin balance into purchasing power at point-of-sale — is what drives sustained adoption and velocity.
For Tevau, this is a distribution play into one of the fastest-growing digital payments markets in the world, with Canza’s existing user base providing the initial demand signal.
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 — meaning every cross-border payment routed through Canza’s protocol becomes a potential card load event. That’s the flywheel: more corridors, more volume, more card activity, more USDT0 velocity on Arbitrum.
The three-way partnership isn’t a co-marketing moment. It’s an infrastructure layer. What it means commercially is that USDT0 just got a last-mile delivery system in markets where last-mile has historically been the entire problem.
Canza Finance is the emerging market settlement layer for stablecoin liquidity and real-world assets. CAPP, Canza’s multi-agent payment protocol, enables sub-60-second cross-border settlement across African corridors. Learn more at canza.finance.
Arbitrum is the leading Ethereum Layer 2 network, providing fast, low-cost transactions with Ethereum-grade security.
Tevau provides regulated card infrastructure enabling stablecoin deposits to Visa-network cards globally.
