Shamsudeen Adedokun is the founding engineer at Tando, the Kenyan app that lets people spend Bitcoin as easily as cash by bridging the Lightning Network with M-Pesa. He joined through a single Upwork gig, a basic Flutter UI prototype, and grew into running the app’s entire backend and stack. Before Tando, he spent years freelancing on Upwork. On the side, he’s building an indie spending-tracker app and a B2B SaaS for the legal space. This is the third episode with a guest. The first episode was with Megasley. Last week we talked with Samson about owning your code in the age of AI. This time we go into the story of how a Kenyan startup made Bitcoin spendable for 40 million people, and what building it taught Shamsudeen about reliability, trust, and freelancing your way into a founding role. Listen on Spotify, Apple Podcasts, YouTube Music, and more. In this episode, we discuss: 1) The Upwork gig that became Tando * How a basic Flutter UI prototype turned into a founding-engineer role * Why the founders trusted him with the backend, the server, and the money * What “the backend engineer is the life of the company” really means 2) Building Kenya’s Bitcoin M-Pesa * How Tando lets people spend Bitcoin as easily as they spend shillings * Reliability as a feature: the IntaSend outage, and why Tando acquired Splice * Why owning your payment infrastructure matters so much in fintech 3) Advice for freelancers in Nigeria * Putting yourself out there, and getting past gatekeeping and imposter syndrome * Being true to yourself: don’t buff up a LinkedIn you can’t back up * Surviving rejection on Upwork, and how AI changed the proposal game 4) The business of free * How a no-fee app makes money, and why Tando isn’t profitable yet * Cooperation over competition in the Bitcoin space * Taking user experience and stuck transactions seriously A few lines worth highlighting: “In the Bitcoin space, when you’re actually solving the problem, money comes to you.” —Shams “You have to put yourself in a market that’s outside your own.” — Shams “Don’t just start jumping from one role to another when you don’t have the experience, because it will show.” — Shams “There’s really no clocking out in fintech.” — Jeremy “Of all the jobs I’ve gotten, it was all by recommendation.” - Jeremy Where to find Shamsudeen: * LinkedIn: https://linkedin.com/in/shamsudeen-adedokun * Yet (his indie app): https://byrde.app Where to find me: * X: https://x.com/jeremyikwuje * LinkedIn: https://linkedin.com/in/ijsucceed Referenced in this episode: * Tando: https://tando.me * bitcoin.co.ke (every M-Pesa number becomes a Lightning address): https://bitcoin.co.ke * Upwork: https://www.upwork.com * Companies and names mentioned: Splice, IntaSend, M-Pesa, Bitnob, Tapnob, Mavapay, Chipper Cash, Payday, Grey, Patricia, Flutter, DevFest, Bitcoin++ and Bitcoin Nairobi If you’d like to get new updates from Jeremy Code’s Podcast as it drops, subscribe! Full transcript Lightly edited for clarity. The story of Tando Jeremy: Hi, guys. It’s another good time again to have a wonderful conversation with a very good friend. Last episode I had a conversation with Samson, where we talked about how you have to be responsible for whatever code you write. It doesn’t matter whether I write the code or you write it yourself. Today is going to be a bit different, and it’s going to be wonderful. It’s going to be more of a background story of a company based in Kenya that has been letting people spend Bitcoin like money in Kenya. And today with me is Shamsudeen from Tando. Shamsudeen is a software engineer, and he has been the guy from day one. Welcome, Shamsudeen. Shamsudeen: Thank you, Jeremy. Thank you so much. Jeremy: Okay, guys. So I met you at the Bitcoin dev meeting in Abuja. In 2024, before the [African Bitcoin Conference] event started. People started talking about, you know, “Tando, Tando.” And I was like, what is Tando? Throughout that entire Bitcoin conference, people just kept talking about Tando, Tando, Tando. And that made me realize you guys built something really good. I never knew the guy who built the software lives in Abuja. I was talking with my co-founder (Onionsman), asking, who are these guys that built the app? It meant you guys really prepared for this event, because when it started we began to hear of Tando. And it makes sense, because you were able to get an initial user base who needed the service so badly. Nigerians coming to Kenya, many people coming to Kenya, they have Bitcoin, they want to spend it. So just tell me how the whole thing started from day one. As we met, I got to know you were the developer who really started the whole thing. So get us to the beginning. Shamsudeen: Okay. So if anybody doesn’t know, Tando is an app that allows you to spend Bitcoin in Kenya. One thing everybody says when you tell them about Bitcoin or crypto is, “is it actually money? It’s digital money, but what can you use it for?” That’s been a question for a very long time, because if you want to spend your Bitcoin, you have to sell it. That kind of made people feel it’s not really money. It’s money, but not really spendable. So the whole magic is the founders, Jason and Sabina. Because Tando is an incredibly simple app, a utility tool, but it makes a huge difference. I’ve been a software engineer [professionally] for about five years now, I think this is the sixth year. And primarily I’ve been freelancing on Upwork. Jeremy: Upwork. Okay, so you guys are the ones making all the freelance money. Shamsudeen: Yeah, when you’re in Nigeria, everybody wants to be a global talent. You have to put yourself in a market that’s outside your own. And it was working, freelancing on Upwork. But as a freelancer, anybody who freelances will know this: most times you just need one or two clients, because if you have a good relationship with somebody, you’re going to keep working with them. Jeremy: So how did they [Tando founders] meet you? How were they able to get you going? Give us that background story. Shamsudeen: So I got an invite to check out a job post on Upwork. It was just a basic UI prototype, that was the little, a Flutter prototype. I was like, oh okay, this is just UI. So I did the UI. At the time there was another developer, Dedan; he’s Kenyan, and he worked on the backend. When I delivered the prototype, it was up to Jason, the founder, and he did the connection. This was just to test if it was actually going to work: basically, if a user sends Bitcoin to a specific lightning node, will they be able to pay out. And when it worked, it was like, okay, this is looking good. Then Jason came back and we started polishing the app more and more. After a couple of months, the app was in a very stable state and we were able to upload it to the stores. Around that time there was a very bad protest in Kenya, so the other developer [Dedan] was off for a while. I had worked on backend stuff before, so I stepped in, and that’s how I started working on the backend too. Jeremy: So you came in as a mobile app developer, a front-end developer, just to build the front end. But then you ended up working on the backend and the whole stack of Tando in general. Makes sense. And the relationship was really good? It must have been really good working with them. It’s been almost two years now. Shamsudeen: Over two years actually, two years and about six months. Jeremy: That means you must have been very good working with them, and you’ve made so much progress. I think last year, when Sabina posted, was it one million transactions? Shamsudeen: I’m not sure I’m at liberty to disclose the exact amount, but we’re way beyond that. Way beyond. Let’s say three or four million. Jeremy: So people spend Bitcoin like that in Kenya? Shamsudeen: Yeah. I think it also really appeals to foreigners. I was in Kenya for Bitcoin++ and Bitcoin Nairobi.Jeremy: That was a few months ago. And you did not go with cash. Shamsudeen: I went with cash, like one hundred and fifty dollars. Jeremy: But I like the way you guys were able to strategically launch … This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit podcast.jeremycode.com