PI-SPI: Nearly 15 Billion FCFA in Transactions in Togo by the End of October 2026

The BCEAO’s PI-SPI instant payment platform recorded nearly 15 billion FCFA in transactions in Togo by the end of October 2026, with 3.9 million users and 163,000 transactions. Across the WAEMU, it had 52.3 million users and 2.2 million transactions. Since November 2, interoperable electronic money transfers between individuals must go through PI-SPI; domestic transfers totaling up to 8,000 FCFA per day are free, as are incoming transactions. The BCEAO aims to expand use of the service, including among students, while the free transfers could reduce commission revenue for operators such as Mixx by Yas and Moov Money.