{"id":494648,"date":"2026-10-04T18:53:57","date_gmt":"2026-10-04T18:53:57","guid":{"rendered":"https:\/\/www.financialafrik.com\/en\/2026\/10\/04\/bceao-makes-pi-spi-mandatory-revises-its-fees-and-finally-raises-the-question-of-new-financial-services-linked-to-the-platform\/"},"modified":"2026-10-04T18:58:06","modified_gmt":"2026-10-04T18:58:06","slug":"bceao-makes-pi-spi-mandatory-revises-its-fees-and-finally-raises-the-question-of-new-financial-services-linked-to-the-platform","status":"publish","type":"post","link":"https:\/\/www.financialafrik.com\/en\/2026\/10\/04\/bceao-makes-pi-spi-mandatory-revises-its-fees-and-finally-raises-the-question-of-new-financial-services-linked-to-the-platform\/","title":{"rendered":"BCEAO makes PI-SPI mandatory, revises its fees, and finally raises the question of new financial services linked to the platform"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-bottom-left\"><\/div>\r\n<p class=\"wp-block-paragraph\"><strong>By Youssaou Koanda<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><em>A statement published on October 2 makes PI-SPI mandatory starting from November 2 and revises its fee schedule. For the first time, the BCEAO explicitly names the emergence of new uses as an objective to achieve, an evolution that can be interpreted in several ways.<\/em><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">On October 2, the BCEAO issued a statement that changes the game on PI-SPI, its instant payment interoperability platform for the eight UEMOA countries. Starting from November 2, the use of PI-SPI becomes mandatory for all interoperable electronic money transactions within the UEMOA. The connection, previously a voluntary step under regulatory pressure, becomes a legal obligation [1].<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">The statement also revises the fee schedule. For transfers within the country, transactions of 8,000 CFA francs per day or less, per user, per participant, become free with no limit on operations, covering 75% of electronic money transactions in the UEMOA. Beyond that, a rate between 0 and 0.8% may apply. Receipts remain free with no limit. Cross-border transfers will follow the same conditions, but only starting from June 1, 2027 [1].<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">What caught my attention in this statement is not the fee schedule itself, but the list of objectives that the BCEAO sets for this reform. The third of them: &#8220;<strong>improve the quality and availability of services and promote the emergence of new uses<\/strong>&#8221; [1]. This is the first time, to my knowledge, that the BCEAO has explicitly formulated this objective in an official communication on PI-SPI. One can see a planned sequence from the start, first the connection, then the encouragement to build, or an adjustment of trajectory in the face of a slower adoption rate than expected on the product side. The statement does not choose between the two, and I do not claim to know either. What is verifiable is that the objective now exists in black and white, and it did not appear formulated like this a year earlier.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">It is no coincidence that successful public digital infrastructures elsewhere, such as India with UPI, Brazil with Pix, Kenya with its mobile money ecosystem, have ended up producing value that even their designers could not have imagined at the start: products built by third parties, on top of the payment rail itself [2]. This is the aim of the objective that the BCEAO is formulating today for PI-SPI.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>What the numbers for the year say<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Launched on September 30, 2025, PI-SPI now has 175 institutions authorized to offer its services to the public, up from 104 two months earlier, and claims over 38 million people with access to its services [1][2]. C\u00f4te d&#8217;Ivoire (38) and Senegal (43) account for most of the recent growth, followed by Burkina Faso (20) and Mali (19).<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">But connecting to the network is not the same as building products on top of it. The latest list of institutions approved for &#8220;API Business,&#8221; the step that allows building programmatic products on PI-SPI rather than just using it as a payment pipe, had only 24 names as of mid-September [3]. Ecobank, the only institution present in all eight countries on this list, stands out from the other approved profiles, almost all concentrated in C\u00f4te d&#8217;Ivoire and Senegal.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Why so few institutions are building on top of it<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">The answer largely lies in the economics of the system, and the October 2 statement illustrates it well. The BCEAO presents PI-SPI as a platform open to four audiences: individuals, businesses, financial institutions, and the State [4]. But the segment that concentrates most of the free transactions, national transfers from individual to individual, is precisely the one that used to bring in the most revenue for mobile money operators and banks in the past. Transfer commissions and withdrawal fees have long represented a significant part of their income [5][6]. Making this segment free, then mandatory, removes any direct profitability from the connection itself. Connecting to PI-SPI has become a cost of compliance, not an investment that pays for itself.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">The only segment where pricing remains in the hands of each institution, for now, is cross-border transfers at the sending end [7]. This is a real commercial advantage for a regional coverage institution, but it is a window that will close on June 1, 2027, when the same conditions as the national market will apply to transfers between UEMOA countries [1].<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Building a product on top of PI-SPI therefore requires finding a source of revenue other than the basic transaction: credit, micro-insurance, scheduled savings, cash flow and reconciliation tools for businesses. It is a model change for connected institutions, not a marginal adjustment, and the fact that the BCEAO formulates this objective today, for the first time, suggests that it now sees it as a full-fledged project, whatever the reason may be.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>A lesson that PI-SPI has already learned<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">This is not the first time that PI-SPI has had to deal with a known structural risk. From its inception, the BCEAO refused to entrust the central infrastructure to a single private operator, a choice that avoids the trap that other major digital infrastructure projects on the continent have fallen into. In C\u00f4te d&#8217;Ivoire, a public-private partnership between the national digital identity agency and the Belgian company Semlex resulted in a contract charging 5,000 CFA francs per card to citizens, for a total estimated at 460 billion CFA francs over ten years [9]. In the Democratic Republic of the Congo, a similar project saw its cost rise from 400 million to 1.2 billion dollars before being canceled in 2024, amid suspicions of overbilling and corruption [10]. The World Bank published last April a procurement guide that treats this type of technological lock-in as a transversal strategic risk for public digital infrastructures [8]. PI-SPI avoided that trap by developing internally at the BCEAO. The trap of economic incentive, however, remains intact.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>My predictions for the coming year<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">I expect Ecobank, the only API Business approved player in the eight countries, to launch a cross-border treasury product for SMEs first rather than a consumer product, precisely because it is the segment where tariff freedom still exists, and for just under eight months.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">I also predict a clear asymmetry between mobile money operators depending on the markets: MTN and Orange will not progress at the same pace everywhere, their advancement will depend on the regulatory maturity already achieved country by country, with C\u00f4te d&#8217;Ivoire and Senegal leading the way.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">And I believe that the first truly new products built on top of PI-SPI will not be credit products, but payroll and reconciliation tools for SMEs, the logic I have observed in other payment infrastructure deployments: credit comes later, once the cash flows of companies become visible and predictable for a lender. The market potential is real, Visa recently estimated, in the pages of Forbes Africa, that full interoperability could generate up to $12 billion in additional transactional value each year in West Africa [11]. But this potential will not materialize until this visibility foundation is in place, and until institutions find, beyond free transfers, an economic reason to build.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><em><strong>About the author <\/strong><\/em><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><em>Youssaou Koanda holds a Ph.D. in economics and has over a decade of experience within the World Bank Group and various United Nations institutions, working on public digital infrastructure projects, payment infrastructure, and digital financial services.<\/em><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>References<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">[1] BCEAO, statement, &#8220;Electronic money transactions between individuals through the Interoperable Instant Payment System (PI-SPI) of the UEMOA,&#8221; Dakar, October 2, 2026. <br \/>[2] BCEAO, List of participants authorized to open PI-SPI services to the public, updated September 30, 2026. <br \/>[3] BCEAO, statement and list of approved API Business of PI-SPI, Dakar, September 16, 2026 (list updated September 17, 2026). <br \/>[4] BCEAO, pispi.bceao.int, home pages and &#8220;For whom?&#8221;, consulted on October 1, 2026. <br \/>[5] Seneweb, &#8220;PI-SPI: payment-free payments disrupt revenue sharing,&#8221; Aicha Fall, September 27, 2026. <br \/>[6] Africtelegraph, &#8220;PI-SPI: payment-free payments reshuffle the cards in Senegal,&#8221; A\u00efcha Diallo, September 28, 2026. <br \/>[7] BCEAO, pispi.bceao.int, Frequently Asked Questions, consulted on October 1, 2026. <br \/>[8] World Bank, Technical Procurement Guidance for DPI and Integral Digital Services, April 2026. <br \/>[9] Institute of Development Studies \/ African Digital Rights Network, Biometric Digital-ID in Africa: Progress and Challenges to Date &#8211; Ten Country Case Studies, eds. &#8216;Gbenga Sesan and Tony Roberts, December 2025, DOI: 10.19088\/IDS.2025.051, C\u00f4te d&#8217;Ivoire chapter. <br \/>[10] Ibid., Democratic Republic of the Congo chapter; see also Bloomberg, &#8220;Congo Cancels $1.2 Billion ID System Contract After Costs Spiral,&#8221; September 3, 2024. <br \/>[11] Forbes Africa, &#8220;Payments in West Africa: interoperability, the next multi-billion dollar market,&#8221; July 28, 2026.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\r\n<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-bottom-left\"><\/div>","protected":false},"excerpt":{"rendered":"<p>By Youssaou Koanda A statement published on October 2 makes PI-SPI mandatory starting from November 2 and revises its fee schedule. For the first time, the BCEAO explicitly names the emergence of new uses as an objective to achieve, an evolution that can be interpreted in several ways. On October 2, the BCEAO issued a<\/p>\n","protected":false},"author":536766,"featured_media":494652,"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":[16412,12046],"tags":[],"class_list":["post-494648","post","type-post","status-publish","format-standard","has-post-thumbnail","category-contribution","category-leaders-en","pmpro-has-access"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.5 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>BCEAO makes PI-SPI mandatory, revises its fees, and finally raises the question of new financial services linked to the platform - 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. 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