PesaBridge
Software guide

A mobile money platform for Rwanda

Rwanda has a modern rulebook and a government that actively pushes cashless payments. Two main operators hold most wallets, so a new service does best by owning a segment: merchants, savings groups, or one sector.

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What Rwandan users expect

Paying by phone is already normal in towns, and transfers between banks and wallets through the national switch are simple. Savings groups are common, so group features matter. Rwanda also works as a base for a regional service, since Kinyarwanda, English, French and Swahili are all in use.

Rules and connections

The National Bank of Rwanda oversees the sector under Law 061/2021, with Regulation 54/2022 on e-money issuers and Regulation 74/2023 on payment service providers. A non-bank issues e-money through a payment service provider licence, with capital from RWF 30 million to RWF 300 million by category, a company incorporated in Rwanda and customer funds in a trust account.

What to check before you buy

  • Trust account reconciled every day
  • A link to RSwitch
  • Group savings for savings circles
  • Merchant tools for small shops
  • Room to add Kinyarwanda to the apps

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

Do I need a local company?

Yes. The 2023 regulation requires a company incorporated in Rwanda, with a local place of business and a resident or citizen as chief executive.

Can a bank issue e-money?

Yes, with approval from the National Bank of Rwanda.

See it in your own brand

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