Money is Data: Taking Gluwa's Bridge to Pangea's Web

After Nigeria’s cash crunch pushed commerce into digital rails, this essay argues that “money is data” and explores Gluwa’s approach to unifying both: Spacecoin (low-cost satellite internet) for access, Creditcoin (public ledger) for credit data and liquidity, and RWA tokenization to turn real-world assets into programmable, cross-chain collateral. It weighs benefits (portability, inclusion, data-driven lending) against risks (legal fragmentation, custody/enforcement, debt traps), and proposes a staged path—local tokenization + smart-contract GSIs, asset category splits (portable vs. domicile), risk profiles via Credal, and CBN data hooks—so emerging markets like Nigeria gain credit without sacrificing sovereignty.