Instruction n° 58 de la Banque Centrale du Congo du 4 septembre 2024 relative à l'interopérabilité des systèmes de paiement électronique et à la participation au switch monétaire national (BCC Instruction No. 58 of 4 September 2024 on Interoperability of Electronic Payment Systems and Participation in the National Monetary Switch) (DRC)

Instruction No. 58 of the Banque Centrale du Congo (BCC), signed on 4 September 2024, governs the interoperability of electronic payment systems and participation in the national monetary switch in the Democratic Republic of the Congo. It entered into force on 4 March 2025, six months after signature, by which date all subject institutions were required to comply. The Instruction is a cornerstone of the DRC's payments-modernisation agenda: it mandates interoperability across electronic payment channels, bank cards, ATMs, electronic payment terminals and mobile applications, so that customers of any institution can transact with those of any other, ending the fragmentation of closed-loop systems. It establishes the obligation for regulated institutions to connect to and participate in the national monetary switch established by the BCC, known as Mosolo, which routes and interconnects electronic-payment transactions between participants. The Instruction applies to the full range of subject establishments: banks, microfinance institutions and mobile-money operators (electronic-money establishments). Its requirements address the obligation and timetable to join the switch; the technical and operational standards for connection and interoperable processing; the rights and obligations of participants; transaction routing, clearing and settlement through the national infrastructure; and the security, reliability and continuity of interoperable services. By compelling participation in a single national switch, the BCC aims to lower the cost of digital payments, expand reach, deepen financial inclusion and strengthen oversight of retail payment flows. The Instruction implements and gives operational effect to the Law of 9 July 2018 on payment systems and complements the BCC's electronic-money framework. Supervision and enforcement are exercised by the BCC, which operates or oversees the national switch, monitors compliance with the connection and interoperability obligations, and may impose measures on institutions that fail to participate. (Original language: French.)

1. 1Mandates interoperability of electronic payments (cards, ATMs, payment terminals, mobile apps) across all institutions in the DRC
2. 2Requires banks, microfinance institutions and mobile-money operators to connect to and participate in the national monetary switch (Mosolo)
3. 3Signed 4 September 2024; entered into force 4 March 2025 with a six-month compliance deadline
4. 4Sets technical and operational standards for connection, routing, clearing and interoperable processing
5. 5Defines participants' rights and obligations and requires security, reliability and continuity of interoperable services
6. 6Implements the Law of 9 July 2018 under BCC operation and supervision of the switch