Shout out to @useaccrue anyway. Since I left Nigeria 5 years ago, this is the only app (out of dozens) promising "pan-African cross-border payments" that bloody works. The payment process is a bit slow because it uses 3rd party vendors, but at least it works. Don't know who's behind it (I discovered it from an Instagram ad) but they built something that actually did what it said on the tin. Hope I've not jinxed it now.