@techreport{ruto2026003stablec,
  author = {Ken Ruto},
  title = {Why Africa Needs Stablecoin Rails Before It Needs a Digital Currency},
  year = {2026},
  institution = {Flux (FluxImpact)},
  type = {Flux Working Paper No. 4},
  howpublished = {\url{https://fluximpact.org/blog/003-stablecoin-rails/}}
}