The diaspora wires $95B+ a year across borders and almost none of it touches a cap table. The Black founders who fix that plumbing are funding the next continental businesses without ever calling a VC.

The house was never the answer. For us Black families, the wealth gap closes through a five-layer asset stack — and homeownership is only one floor of it.

Most of us are running our cross-border money on the wrong rails. Here's the actual stack that holds up when you're invoicing in dollars, paying contractors in cedis, and trying not to lose 8% in spreads.