AFRICUNIA BANK is a Blockchain Technology 3.0 and Cryptographic Currency Development Bank. We are aiming to develop the World's first-ever Crypto-based Point of Sale (PoS) and a Hybrid Blockchain Technology (combining Prove of Work + Prove of Stake), developed in all known programming languages. Registered in England & Wales as AFRICUNIA and providing Banking and Financial Services, we believe perhaps developing a cryptocurrency that is consistent with sound risk management and alignment with conventional banks can bridge the gap. If a proper legal framework can be developed to guard against regulatory uncertainty, it can act as a catalyst for adopting and using these digital currencies. That is where the AFRICUNIA comes in… We, at Africunia, are introducing an innovative banking model that allows the use of digital currency without hurdles, risks, and technical barriers linked with owning, transferring, and trading in cryptocurrencies and tokens.