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Financial technology regulation, licensing frameworks, digital payments, and e-money legislation.

Last updated: 1 June 2026

115instruments

3cases

40jurisdictions

Instruments

eg-cyber-2018Anti-Cyber and Information Technology Crimes Law No. 175 of 2018

ng-cyber-2015Cybercrimes (Prohibition, Prevention, Etc.) Act, 2015

cd-fintech-interop-2024Instruction 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)

cd-fintech-emoney-2011Instruction n° 24 de la Banque Centrale du Congo relative à l'émission de monnaie électronique et aux établissements de monnaie électronique (BCC Instruction No. 24 on the Issuance of Electronic Money and Electronic Money Establishments) (DRC)

cd-fintech-paymentsystems-2018Loi du 9 juillet 2018 relative aux systèmes de paiement et de règlement-titres (Law of 9 July 2018 on Payment and Securities-Settlement Systems) (DRC)

cemac-fintech-paymentservices-2018Règlement n° 04/18/CEMAC/UMAC/COBAC du 21 décembre 2018 relatif aux services de paiement dans la CEMAC (CEMAC Regulation No. 04/18 of 21 December 2018 on Payment Services)

cemac-fintech-paymentsystems-2016Règlement n° 03/16/CEMAC/UMAC/CM du 21 décembre 2016 relatif aux systèmes, moyens et incidents de paiement (CEMAC Regulation No. 03/16 of 21 December 2016 on Payment Systems, Means and Incidents)

ly-fintech-epay-contracting-2020Central Bank of Libya Banking Supervision Circular No. 7 of 2020 regarding the necessary procedures and measures when contracting with electronic payment companies (منشور رقم 7 لسنة 2020 بشأن الإجراءات والتدابير اللازمة عند التعاقد مع شركات الدفع الإلكتروني)

ly-fintech-mobilepay-2017Central Bank of Libya Banking Supervision Circular No. 10 of 2017 concerning the controls and instructions for the electronic payment service via mobile phone (منشور رقم 10 لسنة 2017 بشأن ضوابط وتعليمات خدمة الدفع الإلكتروني عبر الهاتف المحمول)

sd-fintech-newpayment-controls-2026Central Bank of Sudan Directive on Controls to Limit the Risks Associated with New Payment Instruments and Mobile Payment Services (2026)

dz-fintech-psp-instruction-2025Instruction n° 06 du 17 août 2025 portant application du Règlement n° 25-02 relatif aux prestataires de services de paiement (Bank of Algeria Instruction No. 06 of 17 August 2025 implementing Regulation No. 25-02 on Payment Service Providers)

dz-fintech-psp-2025Règlement n° 25-02 du 14 avril 2025 relatif aux prestataires de services de paiement (Bank of Algeria Regulation No. 25-02 of 14 April 2025 on Payment Service Providers)

tn-fintech-mobilepay-2020Circulaire de la Banque Centrale de Tunisie n° 2020-11 du 18 mai 2020 relative aux conditions de fourniture des services de paiement mobile domestique (Central Bank of Tunisia Circular No. 2020-11 of 18 May 2020 on the conditions for the provision of domestic mobile payment services)

tn-fintech-payinst-2018Circulaire de la Banque Centrale de Tunisie n° 2018-16 du 31 décembre 2018 relative aux règles régissant l'activité et le fonctionnement des établissements de paiement (Central Bank of Tunisia Circular No. 2018-16 of 31 December 2018 on the rules governing the activity and operation of payment institutions)

ma-fintech-mobilepay-2018Cadre réglementaire du paiement mobile domestique de Bank Al-Maghrib (2018), décision réglementaire et lettre circulaire (Bank Al-Maghrib Domestic Mobile Payment Regulatory Framework (2018), regulatory decision and circular letter)

ma-fintech-guide-2025Guide de Bank Al-Maghrib sur le parcours réglementaire des porteurs de projets fintech (2025) (Bank Al-Maghrib Guide on the Regulatory Pathway for Fintech Project Holders (2025))

ma-fintech-licensing-2015Circulaire du Wali de Bank Al-Maghrib n° 5/W/15 du 20 mai 2015 relative aux documents et renseignements nécessaires à l'instruction des demandes d'agrément des établissements de paiement (Circular No. 5/W/15 of 20 May 2015 on the documents and information required to process payment institution licensing applications)

ma-fintech-payinst-2014Loi n° 103-12 relative aux établissements de crédit et organismes assimilés, régime des établissements de paiement (Law No. 103-12 on Credit Institutions and Similar Bodies, Payment Institutions regime)

zw-fintech-si17-2025Banking (Money Transmission, Mobile Banking and Mobile Money Interoperability) (Amendment) Regulations, 2025 (S.I. 17 of 2025)

na-fintech-emoney-guidelinesGuidelines for Electronic Money Issuers in Namibia

zm-fintech-emoney-directives-2018National Payment Systems Directives on Electronic Money Issuance, 2018 (CB Circular No. 01/2018)

zm-fintech-emoney-directives-2023National Payment Systems Directives on Electronic Money Issuance, 2023 (Gazette No. 958 of 2023)

zw-fintech-si80-2020Banking (Money Transmission, Mobile Banking and Mobile Money Interoperability) Regulations, 2020 (S.I. 80 of 2020)

zm-fintech-atm-pos-mobile-directives-2019National Payment Systems Directives on Automated Teller Machine, Point of Sale, Internet Transactions and Mobile Payments, 2019

zw-fintech-retail-payments-guidelines-2017Guidelines for Retail Payment Systems and Instruments (August 2017)

na-fintech-psd3-emoney-2012Determination on the Issuing of Electronic Money in Namibia (PSD-3)

na-fintech-psm-act-2023Payment System Management Act, 2023 (Act No. 14 of 2023)

zm-fintech-nps-act-2007National Payment Systems Act, 2007 (Act No. 1 of 2007)

zw-fintech-nps-act-2001National Payment Systems Act [Chapter 24:23] (Act No. 21 of 2001)

mw-fintech-emoney-guidelines-2019Guidelines for Applicants for E-Money Schemes, 2019

mz-fintech-spim-2026Aviso n.º 1/GBM/2026, Regulamento do Sistema de Pagamentos Instantâneos de Moçambique (SPIM)

mw-fintech-emoney-regs-2019Payment Systems (E-Money) Regulations, 2019

ls-fintech-epi-regs-2017Issuers of Electronic Payment Instruments Regulations, 2017

ls-fintech-nps-act-2014National Payment Systems Act, 2014 (Act No. 8 of 2014)

mz-fintech-snp-2008Lei n.º 2/2008, de 27 de Fevereiro, Lei do Sistema Nacional de Pagamentos

mw-fintech-ps-act-2016Payment Systems Act, 2016 (Act No. 15 of 2016) [Chapter 74:01]

bw-fintech-eps-guidelines-2022Bank of Botswana Electronic Payment Services Licensing Guidelines V1.0 (February 2022)

ao-fintech-aviso-11-2022Aviso n.º 11/2022, Requisitos e Procedimentos para a Autorização de Constituição de Instituições Financeiras Não Bancárias

bw-fintech-eps-regs-2019Electronic Payment Services Regulations, 2019

sz-fintech-mobilemoney-practicenote-2019Practice Note for Mobile Money Service Providers (2019)

ao-fintech-lspa-2020Lei n.º 40/20, de 16 de Dezembro, Lei do Sistema de Pagamentos de Angola (LSPA)

sz-fintech-nps-act-2023The National Payment System Act, 2023

bw-fintech-ncss-act-2003National Clearance and Settlement Systems Act, 2003 (No. 5 of 2003)

dj-emoney-instr-2017Instruction n° 2017-01 relative à la monnaie électronique (Instruction No. 2017-01 on Electronic Money) (Djibouti)

ss-emoney-2017Electronic Money Regulation, 2017 (South Sudan)

km-emoney-2017Règlement n° 01/2017/BCC relatif à la monnaie électronique (Regulation No. 01/2017/BCC on Electronic Money) (Comoros)

bi-emoney-circ001-2024Circulaire N° 001 de 2024 relative aux activités des établissements de paiement émetteurs de monnaie électronique (Circular No. 001 of 2024 on the Activities of Electronic Money-Issuing Payment Establishments) (Burundi)

bi-agents-2024Règlement N° 003 de 2024 relatif aux activités des agents commerciaux en opérations de banque et services de paiement (Regulation No. 003 of 2024 on the Activities of Commercial Agents in Banking Operations and Payment Services) (Burundi)

sc-npsact-2014National Payment System Act, 2014 (Seychelles)

so-mobilemoney-2019Central Bank (Mobile Money) Regulations, 2019 (Somalia)

bi-paymentservices-2024Règlement N° 002 de 2024 relatif aux services de paiement et activités des établissements de paiement (Regulation No. 002 of 2024 on Payment Services and the Activities of Payment Establishments) (Burundi)

et-pii-amend-2023Payment Instrument Issuer (Amendment) Directive No. ONPS/09/2023 (Ethiopia)

et-pii-2020Licensing and Authorization of Payment Instrument Issuers Directive No. ONPS/01/2020 (Ethiopia)

mg-csbf-instr002-2017CSBF Instruction n° 002/2017 relative à l'agrément des établissements de monnaie électronique (Instruction on the Licensing of Electronic Money Establishments)

et-pso-2020Licensing and Authorization of Payment System Operators Directive No. ONPS/02/2020 (Ethiopia)

mg-csbf-instr003-2017CSBF Instruction n° 003/2017 relative au fonctionnement des comptes de cantonnement (Instruction on the Operation of Trust Accounts)

et-npsproc-2011National Payment System Proclamation No. 718/2011 (Ethiopia)

mg-emoney-2017Loi n° 2016-056 du 02 février 2017 sur la Monnaie Électronique et les Établissements de Monnaie Électronique (Law No. 2016-056 on Electronic Money and Electronic Money Establishments)

lr-fintech-paymentsystemact-2014Payment System Act, 2014 (Liberia)

gm-fintech-mobilemoneyRegulation for the Provision of Mobile Money Services (Central Bank of The Gambia)

lr-fintech-mobilemoney-2014Regulations Concerning Mobile Money Services, 2014 (Central Bank of Liberia)

sl-fintech-mobilemoney-2015Guidelines for Mobile Money Services, 2015 (Bank of Sierra Leone)

mr-fintech-paymentservices-2021Loi n° 2021-14 relative aux services et moyens de paiement électronique (Law No. 2021-14 on Electronic Payment Services and Instruments) (Mauritania)

sl-fintech-npsact-2022National Payment Systems Act, 2022 (Act No. 8 of 2022) (Sierra Leone)

cv-fintech-paymentservices-2018Decreto-Legislativo n.º 8/2018, de 28 de novembro, regime jurídico da prestação de serviços de pagamento e da emissão de moeda eletrónica (Legislative Decree No. 8/2018 on the legal regime for the provision of payment services and the issuance of electronic money) (Cabo Verde)

gn-fintech-ifi-2017Loi L/2017/031/AN relative aux institutions financières inclusives en République de Guinée (Law L/2017/031/AN on Inclusive Financial Institutions in the Republic of Guinea)

waemu-fintech-paymentservices-2024Instruction n°001-01-2024 du 23 janvier 2024 relative aux services de paiement dans l'Union Monétaire Ouest Africaine (Instruction No. 001-01-2024 of 23 January 2024 on Payment Services in WAMU)

waemu-fintech-paymentsystems-2002Règlement n°15/2002/CM/UEMOA du 19 septembre 2002 relatif aux systèmes de paiement dans les États membres de l'UEMOA (Regulation No. 15/2002/CM/UEMOA on Payment Systems in the Member States of WAEMU)

cv-fintech-paymentinstitutions-2018Decreto-Legislativo n.º 9/2018, de 28 de novembro, regime jurídico de acesso à atividade das instituições de pagamento e das instituições de moeda eletrónica (Legislative Decree No. 9/2018 on access to the activity of payment institutions and electronic money institutions) (Cabo Verde)

waemu-fintech-emoney-2015Instruction n°008-05-2015 du 21 mai 2015 régissant les conditions et modalités d'exercice des activités des émetteurs de monnaie électronique dans les États membres de l'UMOA (Instruction No. 008-05-2015 governing the conditions for the exercise of electronic money issuer activities in the WAMU member states)

mu-nps-authlicensing-2021National Payment Systems (Authorisation and Licensing) Regulations 2021

mu-crowdfunding-2021Financial Services (Crowdfunding) Rules 2021

mu-p2plending-2020Financial Services (Peer to Peer Lending) Rules 2020

mu-vaitos-2021Virtual Asset and Initial Token Offering Services Act 2021

mu-npsact-2018National Payment Systems Act 2018 (Act 17 of 2018)

ug-nps-agents-2021National Payment Systems (Agents) Regulations, 2021

ug-nps-sandbox-2021National Payment Systems (Sandbox) Regulations, 2021

ug-nps-regs-2021National Payment Systems Regulations, 2021

ug-npsact-2020National Payment Systems Act, 2020 (Act No. 15 of 2020)

tz-licensing-2015Payment Systems (Licensing and Approval) Regulations, 2015 (GN No. 446 of 2015)

tz-emoney-2015Payment Systems (Electronic Money) Regulations, 2015 (GN No. 447 of 2015)

tz-npsact-2015National Payment Systems Act, 2015 (No. 4 of 2015)

eg-psogovernance-2025Governance, Internal Control and Fit and Proper Regulations for Payment Systems Operators and Payment Service Providers (2025)

eg-cbebankinglaw-2020Central Bank and Banking System Law No. 194 of 2020

eg-psplicensing-2025Rules for Licensing and Registration of Payment Systems Operators and Payment Service Providers (2025)

eg-sandbox-2019CBE FinTech Regulatory Sandbox Framework

eg-nbffintech-2022Law No. 5 of 2022 on the Use of Financial Technology in Non-Banking Financial Activities

rw-pspregulation-2023Regulation N° 74/2023 of 18/09/2023 governing Payment Services Providers

rw-sandbox-2022Regulation N° 41/2022 of 13/04/2022 governing the Regulatory Sandbox

rw-emoney-2022Regulation N° 54/2022 of 19/09/2022 governing Electronic Money Issuers

rw-vasplaw-2026Law n° 023/2026 of 25/05/2026 regulating Virtual Asset Business (Rwanda)

rw-paymentsystemlaw-2021Law N° 61/2021 of 01/11/2021 governing the Payment System

gh-pssact-2019Payment Systems and Services Act, 2019 (Act 987)

gh-agencybanking-2025Agency Banking Guideline (Ghana)

gh-emoney-2015Guidelines for E-Money Issuers in Ghana

gh-vaspact-2025Virtual Asset Service Providers Act, 2025 (Act 1154)

za-emoney-2009Position Paper on Electronic Money (NPS 01/2009)

za-npscyberdirective-2024Directive in Respect of Cybersecurity and Cyber-Resilience within the National Payment System (Directive 1 of 2024)

za-cryptoasset-2022Declaration of Crypto Assets as a Financial Product under the FAIS Act

za-npsact-1998National Payment System Act 78 of 1998

za-paymentactivities-2025Draft Directive in respect of specific payment activities within the National Payment System (Activity-Based Authorisation)

ke-emoney-2013E-Money Regulations, 2013

ke-dcp-2022Central Bank of Kenya (Digital Credit Providers) Regulations, 2022

ke-vaspact-2025Virtual Asset Service Providers Act, 2025

ke-npsregulations-2014National Payment System Regulations, 2014

ke-npsact-2011National Payment System Act, 2011

ng-openbanking-2023Operational Guidelines for Open Banking in Nigeria

ng-sandbox-2021Framework for Regulatory Sandbox Operations

ng-mobilemoney-2021Framework and Guidelines on Mobile Money Services in Nigeria

ng-pspcategorisation-2020Guidelines on New License Categorization for the Nigerian Payment System

ng-openbankingframework-2021Regulatory Framework for Open Banking in Nigeria

ng-enaira-2021Regulatory Guidelines on the eNaira

ng-psb-2020Guidelines for Licensing and Regulation of Payment Service Banks in Nigeria

ng-vasp-2023Guidelines on the Operations of Bank Accounts for Virtual Assets Service Providers

ng-agentbanking-2025Guidelines for the Operations of Agent Banking in Nigeria

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Cases

ng-cbn-2024-fintech-kyc-fines ng-ndpc-2024-fidelity-bank ke-odpc-2023-mulla-pride

Topic guides

How Africa actually regulates digital finance: a comparative guide to fintech lawAdemola Adekunbi · 2026-06-27