of highly competitive driven business products and valuebased services,altering corporate models and transforming Financial value chains enhanced by eyepopping regulation that left legacy banks green with envy and goose pimples.Nevertheless,in the context,in the clarity of strategic innovation enterprise between specific innovation and financial inclusionis often assume rather solidly proven.Hallucination and all the buzz around fintech sound crazy,viciously intriguing and absolutely grotesque.As Fintechs perpetually abhor this potential link,strategicgoal of poverty eradication goes up in smoke and the glory of everlasting influence now belong to sovereign wealth fund fintechs(SWFF\SWEFFINs)whose asset should begin from a trillion dollar up.Practically we expect fintechs to evolve from microfintechs with paid up capital less a billion naira or $2m.to $5m.at black market rate.Their elitist approach also explains fully their programatic and institutional notion of grassroot disconnect. Or better still several