{"id":494247,"date":"2026-08-26T17:40:59","date_gmt":"2026-08-26T17:40:59","guid":{"rendered":"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/"},"modified":"2026-08-26T17:41:08","modified_gmt":"2026-08-26T17:41:08","slug":"regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability","status":"publish","type":"post","link":"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/","title":{"rendered":"Regulation of Cryptoassets in the UEMOA: Between Financial Innovation and Preservation of Monetary Stability"},"content":{"rendered":"
<\/div>

By KON\u00c9 P\u00e9l\u00e9ni Jonathan Aim\u00e9, PhD in private law, specialist in banking law, credit law, and consumer law. Temporary teaching and research assistant (ATER), Toulouse Capitole University – Business Law Center. Independent consultant.<\/p>\n

The rapid rise of cryptoassets is one of the most significant changes in contemporary financial architecture. Born from the convergence of cryptography and distributed ledger technologies, these instruments deeply question the traditional foundations of currency, banking intermediation, and prudential regulation. In the West African Economic and Monetary Union (UEMOA), this dynamic takes on a particular dimension. As an integrated monetary zone, sharing a common currency – the CFA franc – and under the exclusive authority of the Central Bank of West African States (BCEAO), the UEMOA faces a strategic dilemma: how to support financial innovation and the inclusive opportunities offered by cryptoassets without compromising monetary stability, sovereign issuance, and the integrity of the regional financial system?<\/p>\n

Before delving into the analysis, it is important to define the central concepts of this study precisely. By “cryptoassets,” we mean, according to the approach taken by the Financial Action Task Force (FATF) and reflected in the work of the Basel Committee and the Financial Stability Board, “a digital representation of value that can be exchanged or transferred digitally and used for payment or investment.” This broad category includes non-backed cryptocurrencies (Bitcoin, Ethereum, and most tokens), stablecoins (backed by a fiat currency or a basket of assets), and utility or security tokens. Virtual Asset Service Providers (VASPs) refer to entities that, professionally, provide services for the exchange, transfer, storage, or administration of virtual assets, or for participation in the offering and sale of these assets. Finally, “monetary stability” refers, in the context of the UEMOA, to the ability of the BCEAO to preserve the external and internal value of the CFA franc, to ensure the issuance monopoly, and to guarantee confidence in the payment system, while “financial stability” refers to the resilience of the entire financial system against systemic shocks and contagion risks.<\/p>\n

Until recently, the BCEAO has adopted a cautious stance, characterized by the non-recognition of cryptoassets as legal tender and repeated calls for user vigilance. This attitude is explained by the nature of these instruments: high volatility, often pseudonymous and cross-border nature, high risks of money laundering and terrorism financing, as well as the potential for disintermediation of the traditional banking system. However, usage is growing on the African continent and, more specifically, in some Union states. Faced with this reality, the BCEAO initiated, starting in 2025-2026, a structured reflection process, materialized by sending a questionnaire to fintech operators, establishing a dedicated committee (C-CRYPTO), and organizing a high-level international conference in May 2026. This contribution aims to analyze the contours and challenges of this evolving regulation. It is structured around four axes. Firstly, it sets the context for the emergence of cryptoassets in the UEMOA and the motivations for their adoption (I). It then examines the current legal and regulatory framework, still incomplete but evolving (II). It analyzes, in a third step, the risks that these instruments pose to regional monetary and financial stability (III). Finally, it outlines the perspectives of a balanced regulatory regime capable of reconciling innovation and protection of macroeconomic and prudential balances (IV).<\/p>\n

I. The context of the emergence of cryptoassets in the UEMOA<\/p>\n

A. Increasing adoption in a largely unregulated environment<\/p>\n

Contrary to popular belief, cryptoassets are not purely a Western or Asian phenomenon. Sub-Saharan Africa has emerged as one of the regions with the highest relative adoption rates, especially for financial inclusion, savings protection, and facilitation of cross-border transfers. Within the UEMOA, Togo has repeatedly been among the countries with high relative adoption rates. The observed uses range from pure speculation to more pragmatic motivations: value preservation against perceived inflationary pressures, low-cost fund transfers, or partial circumvention of exchange controls in a context of strengthened regulation of external financial relations. However, this progression occurs in a relatively unregulated environment. Cryptoassets are not recognized as legal tender. They do not have any legal tender status or purchasing power. Foreign-based exchange platforms serve Union residents without being subject to specific local supervision. This situation creates a structural asymmetry: risks (volatility, capital losses, fraud, money laundering) materialize within the Union territory, while operators largely escape consumer protection and control mechanisms. The absence of a dedicated framework does not equate to a formal prohibition, but it places all actors – users, intermediaries, and authorities – in a legal uncertainty zone.<\/p>\n

The available data illustrates the magnitude of the challenge. Between July 2024 and June 2025, transactions related to cryptoassets in sub-Saharan Africa reached approximately $205 billion, up 52% year-on-year. Although the exact share of the UEMOA in these flows is difficult to quantify precisely due to the lack of appropriate measurement tools, the presence of real and growing demand is undeniable. The BCEAO itself acknowledged, during the May 2026 conference, that cryptoassets circulate, are exchanged, and are used for fund transfers or savings, outside any supervision, consumer protection, or tax traceability framework.<\/p>\n

B. Structural factors favoring interest in cryptoassets<\/p>\n

Several structural factors explain the relative appeal of cryptoassets in the region. Firstly, the level of bank account penetration, although increasing thanks to electronic money, remains uneven. Electronic money services have experienced dramatic growth – over 248 million accounts by the end of 2024 – but do not cover all savings and transfer needs, especially internationally. Secondly, the cost and slowness of traditional transfers contrast with the speed and potentially lower cost of certain crypto solutions. Thirdly, in a context of exchange controls and limited currency outflows, cryptoassets can appear as an alternative channel. Finally, the youth of the population and the increasing penetration of smartphones create a favorable environment for experimenting with new digital financial instruments.<\/p>\n

However, these elements should not overshadow the limits of adoption. Volumes remain modest compared to the monetary mass and regulated payment flows. The majority of payment and savings activity in the UEMOA continues to pass through banking and electronic money channels under the supervision of the BCEAO. The challenge is not so much to slow down an already irresistible wave but to anticipate a gradual increase and prevent unregulated uses from solidifying outside any protection framework. Recent legal literature has highlighted the relative delay of the francophone UMOA space compared to regimes already adopted in several English-speaking African countries.<\/p>\n

II. The current state of legal and regulatory framework<\/p>\n

A. Absence of a dedicated framework and the cautious stance of the BCEAO<\/p>\n

As of the writing of this article (August 2026), the UEMOA does not have a comprehensive and specific regulatory regime for cryptoassets. The BCEAO reaffirmed a clear position in July 2026: “It is not a currency. It is not regulated. So be cautious.” This statement summarizes a posture of non-monetary recognition and calls for user vigilance, without constituting a generalized formal prohibition of holdings or exchanges. The Governor explicitly cited three main risks: high volatility exposing investors to capital losses; the anonymity of operations, often cross-border; and vulnerability to cyber-attacks in the absence of appropriate regulation.<\/p>\n

This caution is in line with the Union’s monetary doctrine. The UMOA Treaty and the BCEAO Statutes grant the latter the exclusive monopoly of monetary issuance. Any recognition of a competing instrument capable of fulfilling monetary functions necessarily runs counter to this institutional architecture. For several years, the BCEAO chose to prioritize the development of instruments it controls – electronic money, payment services, and more recently, the Interoperable Instant Payment System Platform (PI-SPI) – rather than prematurely opening the field to private cryptoassets. The 2024 Payment Services Instruction further strengthened the operator approval regime, ending the widespread reliance on banks.<\/p>\n

B. Partial advancements: the uniform LBC\/FT\/FP law and the work of the C-CRYPTO<\/p>\n

A significant breakthrough was made with the Uniform Law on combating money laundering, terrorist financing, and the proliferation of weapons of mass destruction, adopted on March 31, 2023. This law, designed to align the UMOA with FATF standards, explicitly includes Virtual Asset Service Providers (VASPs) in the scope of regulated entities. The operation of VASPs is subject to obtaining prior approval and compliance with due diligence, reporting, and document retention obligations. However, the concrete details of this approval – competent authority, substantive requirements, procedure, ongoing supervision – have not yet been specified through instructions or implementing regulations. This situation leaves operators in legal uncertainty and limits the effectiveness of the system. The most significant turning point occurred in 2025-2026. After sending a questionnaire to fintech operators on the possible uses of cryptocurrencies in the regional financial system, the BCEAO established a multidisciplinary committee responsible for developing regulations on cryptoassets in the UMOA (C-CRYPTO). This committee was officially highlighted during the international conference held in Dakar on May 8, 2026. This conference marked the transition from observation to action. It brought together central bank governors from African countries, representatives from the IMF, World Bank, BIS, and international experts. The Governor emphasized both the opportunities (payment efficiency, financial inclusion, innovation) and the risks (volatility, cybersecurity, money laundering, monetary policy impact).<\/p>\n

Simultaneously, the BCEAO has been considering the issuance of a Central Bank Digital Currency (CBDC), sometimes referred to as e-CFA. This approach aligns with monetary sovereignty: faced with the potential competition of private stablecoins, often pegged to the dollar, the preferred institutional response is to offer a digital alternative controlled by the central bank. Ongoing efforts – studies since 2023, proof of concept phase – do not prejudge an issuance decision but illustrate the willingness not to remain a mere observer. The UEMOA Fintech Alliance has praised this ongoing commitment.<\/p>\n

III. Challenges for monetary and financial stability<\/p>\n

A. Risks for monetary policy conduct and issuance sovereignty<\/p>\n

The first challenge is monetary. While non-backed cryptoassets remain largely speculative and are not widely used as daily payment means in the UEMOA, stablecoins raise more direct questions. A stablecoin pegged to the dollar or euro, widely accepted, could gradually replace the CFA franc in certain transactions, especially cross-border or online. Such substitution would weaken the BCEAO’s control over the money supply, complicate the transmission of monetary policy, and put pressure on foreign exchange reserves. In an integrated monetary zone, where the credibility of the common currency relies on a strong institutional anchor, the emergence of uncontrolled competing instruments poses a sovereignty challenge. Moreover, the relative anonymity of many crypto transactions makes it difficult to track capital flows. In a zone where external financial relations control was tightened in 2024, unregulated channels pose a challenge to the effectiveness of export revenue repatriation mechanisms. The BCEAO has distinguished stablecoins from other cryptoassets, calling them a “different dynamic” raising specific issues and referring their examination to the African Central Banks Association (ACBA).<\/p>\n

This distinction shows that the institution identifies stablecoins as a potentially more concerning vector of monetary substitution than purely speculative assets.<\/p>\n

B. Prudential, consumer protection, and market integrity risks<\/p>\n

On a prudential level, the exposure of Union banks and financial institutions to cryptoassets remains limited. The Basel Committee framework, which provides for a 1,250% risk weighting for non-backed cryptoassets and an overall cap of 2% of basic capital, has not yet been fully implemented in the UMOA. However, a gradual increase in exposures, especially through offshore platforms, could create unmeasured vulnerabilities. The lack of tools for monitoring crypto flows is one of the main obstacles: the BCEAO cannot effectively regulate what it does not measure. The priority is therefore to build a crypto flow monitoring system in partnership with platforms, electronic money operators, and national financial intelligence services.<\/p>\n

Consumer and investor protection is another critical point. The extreme price volatility, lack of safety net in case of platform failure, hacking and fraud risks, and often irreversible nature of transactions expose users to significant losses. In an environment where the level of financial education remains uneven, the absence of clear information rules and complaint handling exacerbates these risks. Finally, AML\/CFT issues remain central. Most UEMOA states were only partially or non-compliant with FATF Recommendation 15 by the end of 2024. The integration of VASPs into the scope of the uniform law is a step forward, but its effectiveness will depend on the implementation of the approval regime and supervisory capacity.<\/p>\n

IV. Perspectives of a balanced regulation<\/p>\n

A. Guiding principles of a harmonized regional regime<\/p>\n

The structural advantage of the UEMOA lies in its regional dimension. Unlike Nigeria, Kenya, or Ghana, which have adopted national regimes, the BCEAO aims to produce a unique framework applicable simultaneously in eight jurisdictions. This harmonization is a major asset. The future regime could be based on several principles: (i) clear distinction between asset categories (speculative cryptoassets, stablecoins, security tokens); (ii) mandatory approval of VASPs with capital, governance, cybersecurity, and AML\/CFT requirements; (iii) strict prohibition or limitation of the use of unregulated cryptoassets as payment means; (iv) monitoring of bank and financial institution exposures; (v) close cooperation between the BCEAO, the UMOA Financial Market Authority (AMF-UMOA), and national financial intelligence authorities.<\/p>\n

Measurement should precede regulation. Establishing a crypto flow monitoring system is a prerequisite for effective regulation. Without reliable data, authorities risk either over-regulating or allowing shadow areas to thrive. The methodical approach of the BCEAO – first assessing economic contribution, stability impact, and required protection level – is in line with this logic. However, there is a temporal risk: that of allowing market practices to establish themselves, making them more difficult to regulate later.<\/p>\n

B. CBDC as a sovereign response and implementation timeline<\/p>\n

The exploration of a Central Bank Digital Currency (e-CFA) is part of a systemic response logic. By offering a central bank digital instrument, perfectly convertible into CFA francs and benefiting from the central bank’s guarantee, the BCEAO could reduce the appeal of private stablecoins while modernizing the payment system. Ongoing efforts do not prejudge an issuance decision but illustrate the willingness not to remain a mere observer in the face of monetary innovation. A well-designed CBDC could also enhance financial inclusion, improve retail payment efficiency, and offer an additional tool for conducting monetary policy. The timeline remains undetermined at this stage. The BCEAO explicitly refused to commit to a publication date for the future framework. This methodological caution is understandable. However, it carries a risk: that of allowing market practices to establish themselves, making them more difficult to regulate later. The balance between preparation quality and response speed is one of the main challenges of the C-CRYPTO. Coordination with the AMF-UMOA, ACBA, and international institutions (IMF, BIS) will be crucial to produce a credible, proportionate, and internationally aligned regime.<\/p>\n

Conclusion<\/p>\n

The regulation of cryptoassets in the UEMOA is currently at a turning point. After years of relative silence, the BCEAO has initiated a structured process of reflection and normative preparation. The 2023 uniform LBC\/FT\/FP law laid the first foundations by subjecting VASPs to an approval regime and due diligence obligations. The creation of the C-CRYPTO and the May 2026 conference marked the transition to an active phase of developing a dedicated framework. Reflections on the e-CFA demonstrate a willingness to respond to monetary innovation with institutional innovation.<\/p>\n

The challenge remains one of balance. Overly restrictive regulation could hinder innovation and push activities towards even less controllable channels. Overly lax regulation would expose users, the financial system, and potentially monetary stability to poorly managed risks. The uniqueness of the UEMOA – a common currency, regional supervision, significant market size – offers the opportunity to build a harmonized, proportionate, and credible regime. The success of this endeavor will partly determine the zone’s ability to modernize its financial system while preserving the achievements of monetary integration.<\/p>\n

Ultimately, the challenge is not to choose between innovation and stability, but to design the institutional and regulatory conditions that allow one to unfold without compromising the other. This is precisely what the BCEAO is now focusing on. The future will tell whether the upcoming framework will be able to reconcile the imperatives of financial modernization with the preservation of trust in the CFA franc and the Union’s financial system.<\/p>\n

<\/div>","protected":false},"excerpt":{"rendered":"

By KON\u00c9 P\u00e9l\u00e9ni Jonathan Aim\u00e9, PhD in private law, specialist in banking law, credit law, and consumer law. Temporary teaching and research assistant (ATER), Toulouse Capitole University – Business Law Center. Independent consultant. The rapid rise of cryptoassets is one of the most significant changes in contemporary financial architecture. Born from the convergence of cryptography<\/p>\n","protected":false},"author":536766,"featured_media":451927,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[12048,16412,12591],"tags":[],"class_list":["post-494247","post","type-post","status-publish","format-standard","has-post-thumbnail","category-chronicles","category-contribution","category-feature","pmpro-has-access"],"yoast_head":"\nRegulation of Cryptoassets in the UEMOA: Between Financial Innovation and Preservation of Monetary Stability - Financial Afrik<\/title>\n<meta name=\"description\" content=\"Headed by Adama Wade and his team of 20 journalists, Kapital Afrik offers strategic and financial information to executives and managers. The aim of Kapital Afrik is to provide financial and political news, give priority to human entrepreneurial experiences, lend life to economic policies, givemeaning to statistics. Our \u201cexaggerated pretensions\u201d inspire us. We will strive, and gradually, to conceive, comfort and reach them. Three versions, three approaches and a global vision. The website is constantly on the news. The newsletter relays information every morning to executives, bankers, university financiers, students. The monthly edition analyzes the information and explains the setbacks. A single credo initiates our journalistic approach: information = actors, facts = a pluralistic vision. We aspire to neutrality, but we assume our subjectivity\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Regulation of Cryptoassets in the UEMOA: Between Financial Innovation and Preservation of Monetary Stability\" \/>\n<meta property=\"og:description\" content=\"Headed by Adama Wade and his team of 20 journalists, Kapital Afrik offers strategic and financial information to executives and managers. The aim of Kapital Afrik is to provide financial and political news, give priority to human entrepreneurial experiences, lend life to economic policies, givemeaning to statistics. Our \u201cexaggerated pretensions\u201d inspire us. We will strive, and gradually, to conceive, comfort and reach them. Three versions, three approaches and a global vision. The website is constantly on the news. The newsletter relays information every morning to executives, bankers, university financiers, students. The monthly edition analyzes the information and explains the setbacks. A single credo initiates our journalistic approach: information = actors, facts = a pluralistic vision. We aspire to neutrality, but we assume our subjectivity\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/\" \/>\n<meta property=\"og:site_name\" content=\"Financial Afrik\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FinancialAfrik\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-26T17:40:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-26T17:41:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.financialafrik.com\/en\/wp-content\/uploads\/2023\/11\/All-African-finance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Contribution\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Financialafrik\" \/>\n<meta name=\"twitter:site\" content=\"@Financialafrik\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Contribution\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/2026\\\/08\\\/26\\\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/2026\\\/08\\\/26\\\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\\\/\"},\"author\":{\"name\":\"Contribution\",\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/#\\\/schema\\\/person\\\/fd42d3e06ff03cbfe49e5dd2cc3aeb4b\"},\"headline\":\"Regulation of Cryptoassets in the UEMOA: Between Financial Innovation and Preservation of Monetary Stability\",\"datePublished\":\"2026-08-26T17:40:59+00:00\",\"dateModified\":\"2026-08-26T17:41:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/2026\\\/08\\\/26\\\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\\\/\"},\"wordCount\":2667,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/2026\\\/08\\\/26\\\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"articleSection\":[\"Chronicles\",\"Contribution\",\"Featured\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/2026\\\/08\\\/26\\\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/2026\\\/08\\\/26\\\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\\\/\",\"url\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/2026\\\/08\\\/26\\\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\\\/\",\"name\":\"Regulation of Cryptoassets in the UEMOA: Between Financial Innovation and Preservation of Monetary Stability - Financial Afrik\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/2026\\\/08\\\/26\\\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/2026\\\/08\\\/26\\\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2026-08-26T17:40:59+00:00\",\"dateModified\":\"2026-08-26T17:41:08+00:00\",\"description\":\"Headed by Adama Wade and his team of 20 journalists, Kapital Afrik offers strategic and financial information to executives and managers. The aim of Kapital Afrik is to provide financial and political news, give priority to human entrepreneurial experiences, lend life to economic policies, givemeaning to statistics. Our \u201cexaggerated pretensions\u201d inspire us. We will strive, and gradually, to conceive, comfort and reach them. Three versions, three approaches and a global vision. The website is constantly on the news. The newsletter relays information every morning to executives, bankers, university financiers, students. The monthly edition analyzes the information and explains the setbacks. A single credo initiates our journalistic approach: information = actors, facts = a pluralistic vision. We aspire to neutrality, but we assume our subjectivity\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/2026\\\/08\\\/26\\\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/2026\\\/08\\\/26\\\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\\\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/\",\"name\":\"Kapital Afrik\",\"description\":\"All African finance\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/#organization\",\"name\":\"Kapital Afrik | All African finance\",\"url\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.kapitalafrik.com\\\/wp-content\\\/uploads\\\/2020\\\/06\\\/logo-430x76-kapital-afrik-.png\",\"contentUrl\":\"https:\\\/\\\/www.kapitalafrik.com\\\/wp-content\\\/uploads\\\/2020\\\/06\\\/logo-430x76-kapital-afrik-.png\",\"width\":1740,\"height\":266,\"caption\":\"Kapital Afrik | All African finance\"},\"image\":{\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/FinancialAfrik\\\/\",\"https:\\\/\\\/x.com\\\/Financialafrik\",\"https:\\\/\\\/www.instagram.com\\\/financialafrikbusiness\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/financial-afrik\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCSeoXcgLHLSVaKqMP7cQaJQ\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/#\\\/schema\\\/person\\\/fd42d3e06ff03cbfe49e5dd2cc3aeb4b\",\"name\":\"Contribution\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/977ddc6725073863682c26a597fa658352af19097febbc88daa7f4a3f2297b8e?s=96&d=blank&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/977ddc6725073863682c26a597fa658352af19097febbc88daa7f4a3f2297b8e?s=96&d=blank&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/977ddc6725073863682c26a597fa658352af19097febbc88daa7f4a3f2297b8e?s=96&d=blank&r=g\",\"caption\":\"Contribution\"},\"url\":\"https:\\\/\\\/www.financialafrik.com\\\/en\\\/author\\\/contribution\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Regulation of Cryptoassets in the UEMOA: Between Financial Innovation and Preservation of Monetary Stability - Financial Afrik","description":"Headed by Adama Wade and his team of 20 journalists, Kapital Afrik offers strategic and financial information to executives and managers. The aim of Kapital Afrik is to provide financial and political news, give priority to human entrepreneurial experiences, lend life to economic policies, givemeaning to statistics. Our \u201cexaggerated pretensions\u201d inspire us. We will strive, and gradually, to conceive, comfort and reach them. Three versions, three approaches and a global vision. The website is constantly on the news. The newsletter relays information every morning to executives, bankers, university financiers, students. The monthly edition analyzes the information and explains the setbacks. A single credo initiates our journalistic approach: information = actors, facts = a pluralistic vision. We aspire to neutrality, but we assume our subjectivity","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/","og_locale":"en_US","og_type":"article","og_title":"Regulation of Cryptoassets in the UEMOA: Between Financial Innovation and Preservation of Monetary Stability","og_description":"Headed by Adama Wade and his team of 20 journalists, Kapital Afrik offers strategic and financial information to executives and managers. The aim of Kapital Afrik is to provide financial and political news, give priority to human entrepreneurial experiences, lend life to economic policies, givemeaning to statistics. Our \u201cexaggerated pretensions\u201d inspire us. We will strive, and gradually, to conceive, comfort and reach them. Three versions, three approaches and a global vision. The website is constantly on the news. The newsletter relays information every morning to executives, bankers, university financiers, students. The monthly edition analyzes the information and explains the setbacks. A single credo initiates our journalistic approach: information = actors, facts = a pluralistic vision. We aspire to neutrality, but we assume our subjectivity","og_url":"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/","og_site_name":"Financial Afrik","article_publisher":"https:\/\/www.facebook.com\/FinancialAfrik\/","article_published_time":"2026-08-26T17:40:59+00:00","article_modified_time":"2026-08-26T17:41:08+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/www.financialafrik.com\/en\/wp-content\/uploads\/2023\/11\/All-African-finance.jpg","type":"image\/jpeg"}],"author":"Contribution","twitter_card":"summary_large_image","twitter_creator":"@Financialafrik","twitter_site":"@Financialafrik","twitter_misc":{"Written by":"Contribution","Est. reading time":"13 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/#article","isPartOf":{"@id":"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/"},"author":{"name":"Contribution","@id":"https:\/\/www.financialafrik.com\/en\/#\/schema\/person\/fd42d3e06ff03cbfe49e5dd2cc3aeb4b"},"headline":"Regulation of Cryptoassets in the UEMOA: Between Financial Innovation and Preservation of Monetary Stability","datePublished":"2026-08-26T17:40:59+00:00","dateModified":"2026-08-26T17:41:08+00:00","mainEntityOfPage":{"@id":"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/"},"wordCount":2667,"commentCount":0,"publisher":{"@id":"https:\/\/www.financialafrik.com\/en\/#organization"},"image":{"@id":"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/#primaryimage"},"thumbnailUrl":"","articleSection":["Chronicles","Contribution","Featured"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/","url":"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/","name":"Regulation of Cryptoassets in the UEMOA: Between Financial Innovation and Preservation of Monetary Stability - Financial Afrik","isPartOf":{"@id":"https:\/\/www.financialafrik.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/#primaryimage"},"image":{"@id":"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/#primaryimage"},"thumbnailUrl":"","datePublished":"2026-08-26T17:40:59+00:00","dateModified":"2026-08-26T17:41:08+00:00","description":"Headed by Adama Wade and his team of 20 journalists, Kapital Afrik offers strategic and financial information to executives and managers. The aim of Kapital Afrik is to provide financial and political news, give priority to human entrepreneurial experiences, lend life to economic policies, givemeaning to statistics. Our \u201cexaggerated pretensions\u201d inspire us. We will strive, and gradually, to conceive, comfort and reach them. Three versions, three approaches and a global vision. The website is constantly on the news. The newsletter relays information every morning to executives, bankers, university financiers, students. The monthly edition analyzes the information and explains the setbacks. A single credo initiates our journalistic approach: information = actors, facts = a pluralistic vision. We aspire to neutrality, but we assume our subjectivity","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.financialafrik.com\/en\/2026\/08\/26\/regulation-of-cryptoassets-in-the-uemoa-between-financial-innovation-and-preservation-of-monetary-stability\/#primaryimage","url":"","contentUrl":""},{"@type":"WebSite","@id":"https:\/\/www.financialafrik.com\/en\/#website","url":"https:\/\/www.financialafrik.com\/en\/","name":"Kapital Afrik","description":"All African finance","publisher":{"@id":"https:\/\/www.financialafrik.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.financialafrik.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.financialafrik.com\/en\/#organization","name":"Kapital Afrik | All African finance","url":"https:\/\/www.financialafrik.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.financialafrik.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.kapitalafrik.com\/wp-content\/uploads\/2020\/06\/logo-430x76-kapital-afrik-.png","contentUrl":"https:\/\/www.kapitalafrik.com\/wp-content\/uploads\/2020\/06\/logo-430x76-kapital-afrik-.png","width":1740,"height":266,"caption":"Kapital Afrik | All African finance"},"image":{"@id":"https:\/\/www.financialafrik.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/FinancialAfrik\/","https:\/\/x.com\/Financialafrik","https:\/\/www.instagram.com\/financialafrikbusiness\/","https:\/\/www.linkedin.com\/in\/financial-afrik\/","https:\/\/www.youtube.com\/channel\/UCSeoXcgLHLSVaKqMP7cQaJQ\/"]},{"@type":"Person","@id":"https:\/\/www.financialafrik.com\/en\/#\/schema\/person\/fd42d3e06ff03cbfe49e5dd2cc3aeb4b","name":"Contribution","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/977ddc6725073863682c26a597fa658352af19097febbc88daa7f4a3f2297b8e?s=96&d=blank&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/977ddc6725073863682c26a597fa658352af19097febbc88daa7f4a3f2297b8e?s=96&d=blank&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/977ddc6725073863682c26a597fa658352af19097febbc88daa7f4a3f2297b8e?s=96&d=blank&r=g","caption":"Contribution"},"url":"https:\/\/www.financialafrik.com\/en\/author\/contribution\/"}]}},"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/www.financialafrik.com\/en\/wp-json\/wp\/v2\/posts\/494247","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.financialafrik.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.financialafrik.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.financialafrik.com\/en\/wp-json\/wp\/v2\/users\/536766"}],"replies":[{"embeddable":true,"href":"https:\/\/www.financialafrik.com\/en\/wp-json\/wp\/v2\/comments?post=494247"}],"version-history":[{"count":0,"href":"https:\/\/www.financialafrik.com\/en\/wp-json\/wp\/v2\/posts\/494247\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.financialafrik.com\/en\/wp-json\/wp\/v2\/media?parent=494247"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.financialafrik.com\/en\/wp-json\/wp\/v2\/categories?post=494247"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.financialafrik.com\/en\/wp-json\/wp\/v2\/tags?post=494247"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}