What is your opinion on cashu, maybe via eNuts? Because it's a bearer token, and no fees, it seems like it could be a good fit, although if you're using it offline you have a chance of getting rugged.
My friend says KYC is the main bottleneck, since a lot of people don't have physical addresses. Do you have any suggestions for buying bitcoin using kwacha via https://www.mtn.zm/momo? Apart from having him bootstrap the local circular economy single handed of course 😂