Summary   In this episode, Wayne Marcel speaks with Eugene and Alex from Palma about their innovative wallet solution tailored for the African market. They discuss their backgrounds in crypto, the unique challenges faced in Africa regarding financial access, and how Palma aims to bridge the gap with a hybrid wallet model. The conversation also touches on the role of AI in development, the importance of education in crypto adoption, and the future plans for Palma as they aim to reach a significant user base.   Learn more about Palma and download the wallet: https://palmawallet.com/  Takeaways   Eugene has been in crypto since 2017, founding EOS Stripe and building various wallets. Palma Wallet addresses unique challenges in Africa's payment systems. Alex transitioned from a developer to a CTO to focus on company growth. Financial access is a primary goal for Palma Wallet. Education and trust are crucial for crypto adoption in Africa. AI has significantly reduced development time for Palma Wallet. Palma Wallet supports offline payments similar to M-Pesa. The app is designed to be accessible even on basic phones. Palma aims to reach 50K users by the end of the year. The founders emphasize the importance of understanding local markets. Chapters   00:00 Introduction to Palma and Its Founders 02:51 Eugene's Journey in Crypto and Wallet Development 05:44 Alex's Background and Vision for Palma 08:55 Unique Features of Palma Wallet 11:49 Challenges of Cryptocurrency in Africa 14:40 The Role of Education and Trust in Crypto Adoption 17:32 Building Trust and Peer-to-Peer Transactions 20:32 AI's Impact on Wallet Development 23:24 Future Plans for Palma Wallet 26:30 Final Thoughts and Conclusion