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Reference Guide for Inclusive Instant Payment Scheme Rules

A comprehensive framework for developing scheme rules, offering legal, operational, and governance foundations to build secure and accessible IPS across Africa.

Version 1.0
Glossary of Terms

Overview

Executive Summary1. Introduction2. Guiding Approach3. Legal Framework4. Participation Agreements5. Core Components of Scheme Rules6. Pricing Policy7. Education & Awareness8. Conclusion and Path Forward

Annexes

Annex 1: GlossaryAnnex 2: Global BenchmarkingAnnex 3: Key Performance MetricsAnnex 4: Financial Inclusion MetricsAnnex 5: Key Components of Scheme RulesAnnex 6: Participant Compliance ReportingAnnex 7: Examples of Existing IPS

AfricaNenda © 2026 · Reference Guide v1.0

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Regulator (Central Bank)

Focus on governance, compliance, and legal frameworks.

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Scheme Owner

Focus on strategic objectives and pricing policy.

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Scheme Operator

Focus on operational rules, technical infrastructure.

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Scheme Participant (Bank/Fintech)

Focus on onboarding, API specs, participation agreements.

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Table of Contents

Chapter 1

Executive Summary

Dive deep into the foundational principles and core structures of inclusive instant payments.

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Chapter 2

1. Introduction

Dive deep into the foundational principles and core structures of inclusive instant payments.

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Chapter 3

2. Guiding Approach

Dive deep into the foundational principles and core structures of inclusive instant payments.

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