Ref Wayne (Refiloe Nkele) born on 03/03/1995 in Meadowlands, South Africa is a well-known entrepreneur, philanthropist, and best-selling author.^[1]

Ref Wayne is the founder of African Forex Institute (AFI) and Africa's first digital currency, Pipcoin.

Armageddon is a famous Forex trading software that is named after Ref Wayne.

With his short but successful Forex trading career^[2], he also offers consultation services to various companies through seminars and other programs.

With more than six years of rich experience in the currency market, Ref Wayne has become enormously successful in the field.

He aims at helping individuals to achieve their personal as well as business goals much easier and in a faster way.

Apart from being a Forex trader expert and a millionaire, Ref Wayne is also a philanthropist, entrepreneur, and well-renowned author.

So far, he has published two successful books on trading and financial markets.

His recent book titled ‘Top-Down Analysis of the Financial Markets’ was released co-authoring Bafana Masilela in August 2020 and has received much appreciation from the financial gurus’ length and breadth.^[3]

At this young age, Ref Wayne is simply changing the paradigms of how young adults are viewed in today’s competitive world.

It is estimated that today he is the owner of the net worth of at least $500 million.

Although Ref has seen dark days in life, he was determined enough to transform his life and become an epitome of success.^[4]