A mobile money platform for Côte d'Ivoire
Côte d'Ivoire is one of the busiest mobile money markets in West Africa, with several operators and fintechs competing. A new service wins on a clear niche: a bank's own customers, an MFI's members, or a sector such as agriculture or transport.
What Ivorian users expect
Merchant payments and transfers between wallets and banks are growing fast, so a closed wallet will not last. Cocoa and other farm supply chains create bulk payment needs that a general wallet serves badly, and that is a real opening. French is the working language from the first screen.
Rules and connections
The BCEAO regulates e-money across the eight UEMOA countries under Instruction 008-05-2015, amended by Instruction 020 of October 2026. Reported capital for an e-money institution is 300 million FCFA. Since October 2026 a customer's balance with one issuer is capped at 4 million FCFA and monthly reloads at 15 million FCFA, so your limits engine must follow these caps. GIM-UEMOA and the BCEAO instant payment platform are the shared rails.
What to check before you buy
- Balance and reload caps applied per customer
- A link to GIM-UEMOA and PI-SPI
- Bulk payments for supply chains
- Apps and USSD menu in French
- A partner issuer route while you prepare your licence
Inside the product
One platform behind every screen.
Every country launch runs on the same wallet app and back office, set up for your currency, rails and languages.
See it in the product
Questions buyers ask
Can a fintech launch without its own licence?
Yes. Many start with a partner bank or an existing e-money institution, then apply for their own licence later.
Does one licence cover all of UEMOA?
The rules are common and the BCEAO grants the licence. Check how far yours extends before you launch outside the country of approval.
See it in your own brand
Ask for the demo and your logins come by email, or build a priced proposal in 10 minutes.
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