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Ghana just passed the Virtual Asset Service Providers Act — mandatory licensing, a Bank of Ghana/SEC sandbox, and a $10 billion corridor that finally has rules. CDABI President Caleb Kwaku Afaglo joins from Accra to map what borderless money actually requires.
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Ghana passed the Virtual Asset Service Providers Act, closing the gray zone on a $10 billion corridor — CDABI President Caleb Kwaku Afaglo joins from Accra to map what borderless money actually requires.
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Get Instant Access →The full transcript and the questions listeners are asking about Ghana's new Virtual Asset Service Providers Act — straight from CDABI President Caleb Kwaku Afaglo in Accra.
"The $10 billion market just got rules. And the companies that understand them first will own the quarter."
This week centers on Ghana's Act 1154, the Virtual Asset Service Providers Act, and the institutions enforcing it: the Bank of Ghana's Virtual Assets Department, Ghana's Securities and Exchange Commission, the Financial Intelligence Centre, and GIABA. Guest: Caleb Kwaku Afaglo, President, Chamber of Digital Assets and Blockchain Innovations (CDABI), Ghana Chapter. Find the full glossary and every source Dr. Evans cites at ConfidentlyCrypto.com →
Dr. Evans reads listener questions on air. Send yours in — it might be the topic of a future episode.
Dr. Tonya M. Evans: So picture this: you run compliance for a payments company with a growing corridor between Atlanta and Accra. And for years, your Africa exposure lived in a gray zone — no licensing regime, no tax framework, no clear regulator to call. You priced that uncertainty into everything you built. Then, on December 19, 2025, Ghana's parliament passed the Virtual Asset Service Providers Act: a central bank department dedicated to virtual assets, mandatory licensing, a regulatory sandbox already seating its first six companies. And the gray zone quickly closed.
So here's your liability: if your counterparties in Ghana aren't licensed when that window closes, your exposure travels with every transaction. And here's your opportunity — the $10 billion market just got rules, and the companies that understand them first will own the quarter. Today, the man at the center of that transformation joins me from Accra, for a conversation about what borderless money actually requires. I'm Dr. Tonya M. Evans, and this is Confidently Crypto & More.
My guest is Caleb Kwaku Afaglo, president of the Chamber of Digital Assets and Blockchain Innovations, the CDABI, Ghana chapter — the formally recognized voice of Ghana's virtual asset sector. He brings more than 30 years of leadership across fintech, blockchain, telecommunications, and large-scale public systems, and engages directly with the Bank of Ghana's virtual assets department, Ghana's Securities and Exchange Commission, and GIABA on how digital assets get regulated, taxed, and integrated into the national financial system. His conviction is one I absolutely share: borderless money cannot be built on fragmented rails.
Caleb Kwaku Afaglo: Thank you very much, Doc. How are you?
Dr. Tonya M. Evans: I'm doing so well, and I've been so looking forward to this conversation — you sit in a very important seat, and your background and experience were really built for this moment in time. What actually changed on the ground in Accra the day the law passed, for the businesses you work with, for banks, and for everyday Ghanaians using digital assets?
Caleb Kwaku Afaglo: The very day the bill passed, we had mixed reactions. The virtual asset people were split in two — now there's regulation, and the people who used to stay in the shadows are supposed to be in the light. The bigger ones are saying this is good for us, because it gives us traction in other countries. Then the banks say, what are we supposed to be doing? We have the rails the world has depended on for 150 years — but those rules are changing for the first time in 150 years, and the people actually using the new rails are us in Africa, because we have a need. For the first time, the need for cross-border, faster payment has generated into a product we can now say is usable and faster. The biggest companies are now buying the smaller on-chain companies to learn from them so they don't lag behind. For the first time, the biggest continent with the most youth — Africa — is leading the chart for cryptocurrency and blockchain innovation. It's an exciting moment.
Dr. Tonya M. Evans: I see a tale of two countries in some sense. The United States, the largest economy, is still debating — fractured both in Congress and among regulators waiting for legislation to set up the framework. We passed the GENIUS Act last year, but it focuses specifically on stablecoins; we're still embroiled in market structure. And in Ghana, the process was quite deliberative — slow and steady wins the race, in some respect. Explain for our listeners: you have the Bank of Ghana, the central bank, and the Securities and Exchange Commission, focused on different types of VASPs. Talk us through how that works.
Caleb Kwaku Afaglo: The good thing the government of Ghana did was it didn't just sit somewhere and decide the rules for us — it got all of us involved. The Chamber of Digital Assets and Blockchain Innovations was front and center in framing the rule itself; we engaged parliamentarians and explained how it works, running around all over the place in the middle of the night. Ghana did something different — inclusive government — which gave birth to Act 1154. We designed it on an activity basis: if you're yield-bearing, you fall on the SEC side; if you're stablecoins, you fall on the Bank of Ghana side, because you on-ramp and off-ramp into fiat and it influences the currency. Tokenization also mostly falls on the SEC side. Most of the time it's a joint effort between the two institutions — collaboration, not something that came out of nowhere. And when you come to AML, you're dealing with the Financial Intelligence Centre, the FIC, together with all three, to put together the AML structure we see today. Then bring in taxation — the Bank of Ghana, the FIC, the SEC, and Ghana's tax authority all work closely together.
This transcript covers the opening portion of the conversation. The full episode is available wherever you listen.
Act 1154, passed by Ghana's parliament on December 19, 2025. It created a Bank of Ghana department dedicated to virtual assets, mandatory licensing for virtual asset service providers, and a regulatory sandbox already seating its first six companies.
By activity, not by label: stablecoins and anything that on-ramps or off-ramps into fiat fall under the Bank of Ghana. Yield-bearing products and tokenization mostly fall under Ghana's Securities and Exchange Commission. Most oversight is a joint effort between the two.
The Financial Intelligence Centre (FIC), working alongside the Bank of Ghana and the SEC to build the AML structure that governs virtual asset activity.
The Chamber of Digital Assets and Blockchain Innovations — Ghana's formally recognized voice of the virtual asset sector, which helped frame Act 1154 directly alongside parliamentarians.
Ten terms Dr. Evans used this week, defined in plain English.
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