Build a neutral, central bank-governed clearing layer that any mobile money operator can connect to via open API. OpenSettle handles cross-network settlement at T+0, reducing bilateral agreement overhead from months of negotiation to a 2-week technical integration. Revenue model: $0.003 per transaction (80% below current bilateral fees). Central bank oversight removes competitive trust barriers. Kenya-Tanzania corridor pilot target: $4B annual cross-border volume in Year 2.