I am a young developer in Africa.
I want to use OSM on the web and mobile (Android and IOS).
Is there a free cross-platform SDK at 100% and open source for this? Or separate free SDKs for Android and IOS?
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There's not going to be just one answer to this...
One example is "osmdroid" (see https://wiki.openstreetmap.org/wiki/Osmdroid and https://github.com/osmdroid/osmdroid ). That allows you to create an Android app that displays a map. Using it is actually a good simple "my second app" after the "Hello World" examples in Google's own tutorials.
Both of these options use external raster maps (which makes development simpler). There are lots of vector-based options too.