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Fintech & payments regulation in DR Congo (2026)

Fintech and digital payments in DR Congo: licensing regime.

The Banque Centrale du Congo (BCC) operates a functioning licensing regime for digital payments and e-money issuance through a body of binding Instructions, with Instruction No. 24 governing e-money issuer (EMI) authorisations and Instruction No. 42 covering electronic payment instruments. In September 2024 the BCC issued Instruction No. 58 mandating full interoperability among all payment service providers and connection to the National Monetary Switch (Swift Monétique National), laying the infrastructure for the unified MOSOLO instant-payment rail. No formal open-banking standard or BNPL-specific regulation exists as of mid-2026, and the BCC has signalled that Instruction 24 and a dedicated payment-institution licensing tier are under revision.

Last verified Official sources first · MethodologyCompare DR Congo with other countries

Legal framework

BCC Instruction No. 24 (e-money issuers), Instruction No. 42 (monetique/electronic payment instruments), Instruction No. 58/2024 (payment interoperability & National Monetary Switch); primary statute: Law No. 003/2002 as amended by Law No. 22-069 of 27 December 2022 on credit institutions; regulator: Banque Centrale du Congo (BCC)

Key points: digital payments & fintech in DR Congo

  1. E-money licensing (Instruction 24)

    BCC Instruction No. 24 establishes conditions for authorising e-money issuers (Etablissements de Monnaie Electronique), covering access conditions, emission and distribution regimes, prudential requirements, and sanctions; authorisations are valid for five years and renewable.

    bcc.cd

  2. Monetique rules (Instruction 42)

    BCC Instruction No. 42 sets rules applicable to electronic payment instruments (cartes bancaires and other payment instruments) in the DRC, providing the regulatory baseline for card issuers and payment instrument operators.

    bcc.cd

  3. Interoperability mandate (Instruction 58 / Sept 2024)

    Issued 4 September 2024, BCC Instruction No. 58 requires all payment platforms operated by banks, financial companies, MNOs, aggregators, and other BCC-approved actors to be mutually interoperable and to connect to the National Monetary Switch (Swift Monétique National) within six months; the regulation directly supports the DRC's National Financial Inclusion Strategy 2023-2028.

    microsave.net findevgateway.org

  4. National instant-payment rail (MOSOLO)

    The DRC is deploying a unified national payment scheme branded MOSOLO via the Swift Monétique National switch; MultiPay Congo connected its platform to the switch in December 2024, enabling inter-network card and mobile transactions, with mobile money reaching 29 million active users (30.5% penetration) as of Q4 2024.

    scooprdc.net migrantmoney.uncdf.org

  5. Active fintech licensing in practice

    In April 2025, Vault Pay became one of the first fintech companies to obtain a full BCC digital banking licence covering card issuing, payment aggregation, and agency banking, confirming the regime's practical operability for non-bank payment institutions.

    bitcoinke.io

  6. Open banking & BNPL gaps

    No formal open-banking framework or BNPL-specific regulation has been enacted as of mid-2026; the BCC has identified updating Instruction 24 and creating a standalone payment-establishment licensing tier as near-term reform priorities, but both remain in progress.

    migrantmoney.uncdf.org afritaccentre.org

Sources

  1. bcc.cd/instruction-ndeg-24
  2. bcc.cd/system/files_force/dsif/bcc_instruction_gouv_ndeg42_20_regles_applica
  3. microsave.net/fr/blog/2024/09/16/instruction-n-58_interoperabilite-des-systemes-de-
  4. findevgateway.org/fr/actualites/instruction-ndeg-58interoperabilite-des-systemes-de-pai
  5. bitcoinke.io/2025/04/vault-pay-receives-full-license-from-the-central-bank-of-cong
  6. migrantmoney.uncdf.org/wp-content/uploads/2025/05/Payment-Infrastructure-Assessment-DRC-Apri
  7. bcc.cd/operations-et-marches/reglementation/instructions
  8. scooprdc.net/2024/12/04/multipay-congo-connecte-sa-solution-multipay-au-switch-nat
  9. afritaccentre.org/sfc/servlet.shepherd/document/download/0695G00000fMo7WQAS

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Orientation, not legal advice: verify against the primary sources linked above. Last verified 24 May 2026. Methodology & how to cite · State of Technology Regulation 2026