Fintech & digital payments rules in DR Congo (2026)

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 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.

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.

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.

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.

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.