Next-generation digital payment infrastructure

Africa is taking a bold step toward seamless cross-border payments with the recent MoU between the Bank of Ghana and the National Bank of Rwanda, marking the continent’s first license pass-porting framework. Signed at the Inclusive FinTech Forum in February 2025, this initiative aims to enable FinTechs to expand more easily across borders while also exploring payment interoperability between the two nations. 

In collaboration with GFTN and PAPSS, the two central banks have launched a central bank-led initiative to build and test the Next-Gen Digital Public Infrastructure (Next-Gen DPI) framework. This initiative is designed to harmonise regulatory and technical standards to facilitate faster, more efficient, and scalable cross-border transactions across the continent. The framework will be complementary to existing public and private sector efforts, serving as a model for interoperability across African markets. 

With an open invitation to other African central banks, this initiative presents an unprecedented opportunity for regional collaboration, ensuring that Africa’s digital payment landscape is inclusive, scalable, and globally competitive.