Kenyans are very active in stocks, crypto, etc, but they lose more than they win. In stocks, for instance, 20% of world traders and investors win, while 80% lose. Digging further, traders/investors in North America account for the bulk of those 20%. In crypto, 3% win and 97% lose. The 20 Billion in Kenya are more likely unrealized loss if in the hands of ordinary Kenyans.