Obi Emetarom proposes regulated blockchain to revolutionize financial services in Nigeria 

Emetarom made the proposal in a Whitepaper titled “Regulated Blockchain: Infrastructure for regulated DeFi, Foundation for a Golden Age in Finance.” 

According to him, a regulated blockchain would address current financial services challenges such as regulatory uncertainty, inefficiencies in cross-border transactions, fraud risks, and high costs of services.

Regulated Blockchain is a new approach to blockchain technology designed to make financial services more accessible while ensuring compliance with rules set by regulators.

According to the whitepaper, traditional finance (TradFi) remains encumbered by high costs, cumbersome processes, and regulatory complexity.

Citing a World Bank report, it noted that global remittance fees averaged 6.2% in 2023, significantly above the 3% target set by the United Nations Sustainable Development Goals (SDGs), making transactions expensive for millions worldwide.

The whitepaper argues that Regulated Blockchain Infrastructure is the missing link, providing a secure, efficient, and transparent foundation that combines the best of both worlds.

According to the Whitepaper, by embedding regulatory protocols directly into blockchain technology, financial institutions, fintech companies, and regulators can unlock frictionless financial services, automated compliance, and unprecedented levels of transparency.

“This whitepaper is a call to action for policymakers, financial institutions, and innovators.  

“The world cannot afford to operate on outdated financial models. Regulated Blockchain Infrastructure offers a clear path toward a future where financial services are secure, inclusive, and universally impactful,” said Emetarom.  

“This is not just about improving efficiency—it’s about reshaping global finance to work for everyone, everywhere,” he added.

Emetarom noted that the rise of Central Bank Digital Currencies (CBDCs), now being piloted in over 130 countries according to the Atlantic Council, signals growing institutional adoption of blockchain-based financial solutions.

According to him, the Regulated Blockchain builds on this momentum by integrating programmable compliance, self-custody of assets, and automated financial products to redefine how value is exchanged, stored, and managed globally.

Emetarom envisions a future where multiple Regulated Blockchains interconnect to form a “Regulated Internet of Value,” powering a fully digital and automated global economy.