Initiatives

Detailed view of all 20 masterplan initiatives and their 30 tracks — Q4 2026

30 Total27 In progress0 Completed3 Not started25 Fully funded0 Partially funded5 Unfunded9 Multi-DP

PILLAR	INITIATIVE	PARTNER	FUNDING	STATUS	PROGRESS
Pillar 1	I1: Development of a mutual recognition framework for cross-border PSP licensing TWG 1 · Q3 2026–Q4 2026 · 6 months · Est. USD 200,000	Gates Foundation	Fully funded	In progress Behind: 1 overdue	75% expected 100%
Pillar 1	I2: Development of a Regional Cooperative Oversight Framework TWG 1 · Q3 2026–Q4 2026 · 6 months · Est. USD 150,000	Gates Foundation	Fully funded	In progress Behind: 1 overdue	75% expected 100%
Pillar 1	I3: Development of a harmonised intra-regional cross-border mobile money/ e-wallet regulatory framework TWG 1 · Q3 2026–Q4 2027 · 18 months · Est. USD 400,000	GIZ / BMZ	Fully funded	In progress Behind: 2 overdue	20% expected 60%
Pillar 1	I4: Development of a harmonised version of common messaging standards TWG 1 · Q3 2026–Q1 2028 · 21 months · Est. USD 200,000	World Bank Group	Fully funded	In progress Behind: 1 overdue	50% expected 75%
Pillar 1	I5: Development of cross-border principles for currency acceptability and convertibility ★ Multi-DP · 2 TWG 1 · Q3 2026–Q4 2027 · 18 months · Est. USD 200,000	AfDB, World Bank Group	Fully funded	In progress Behind: 1 overdue	50% expected 75%
Pillar 1	I6.1: Develop minimum AML/CFT/CPF assurance standards TWG 1 · Q3 2026–Q1 2028 · 21 months · Est. USD 200,000	World Bank Group	Fully funded	In progress Behind: 1 overdue	25% expected 50%
Pillar 1	I6.2: Develop minimum standards for fraud mitigation TWG 1 · Q3 2026–Q1 2028 · 21 months · Est. USD 200,000	World Bank Group	Fully funded	In progress Behind: 1 overdue	25% expected 50%
Pillar 1	I7.1: Development of crossborder transaction resolution framework for non-bank PSPs TWG 1 · Q3 2026–Q3 2027 · 15 months · Est. USD 150,000	—	Unfunded	In progress Behind: 1 overdue	25% expected 50%
Pillar 1	I7.2: Develop non-bank PSP dispute resolution framework TWG 1 · Q4 2026–Q3 2027 · 12 months · Est. USD 150,000	—	Unfunded	In progress Behind: 1 overdue	25% expected 50%
Pillar 1	I7.3: Develop non-bank PSP insolvency framework TWG 1 · Q3 2026–Q3 2027 · 15 months · Est. USD 150,000	—	Unfunded	In progress Behind: 1 overdue	25% expected 50%
Pillar 2	I8: Assessment of potential onboarding of hard currency within EAPS to expand access TWG 2 · Q3 2026–Q2 2028 · 24 months · Est. USD 200,000	AfDB	Fully funded	In progress Behind: 1 overdue	20% expected 40%
Pillar 2	I9: Upgrade of EAPS TWG 2 · Q3 2026–Q2 2028 · 24 months · Est. USD 400,000	AfDB	Fully funded	In progress Behind: 1 overdue	20% expected 40%
Pillar 2	I10.1: Develop national retail instant switches for all Partner States ★ Multi-DP · 2 TWG 2 · Q3 2026–Q3 2029 · 39 months · Est. USD 500,000	GIZ / BMZ, FSD Network	Fully funded	Not started	0% expected 0%
Pillar 2	I10.2: Develop a common rulebook for cross-border retail payments ★ Multi-DP · 2 TWG 2 · Q3 2025–Q4 2028 · 42 months · Est. USD 200,000	GIZ / BMZ, FSD Network	Fully funded	In progress Behind: 1 overdue	25% expected 50%
Pillar 2	I10.3: Interlink existing national retail switches ★ Multi-DP · 3 TWG 2 · Q2 2025–Q4 2029 · 57 months · Est. USD 500,000	World Bank Group, FSD Network, GIZ / BMZ	Fully funded	In progress	17% expected 17%
Pillar 2	I10.4: Transition to a fit-for-purpose regional centralised switch ★ Multi-DP · 3 TWG 2 · Q3 2026–Q4 2030 · 54 months · Est. USD 10,500,000	World Bank Group, GIZ / BMZ, FSD Network	Fully funded	In progress	25% expected 25%
Pillar 2	I11: Development of regtech and suptech tools for effective oversight and data collection TWG 2 · Q3 2026–Q3 2028 · 27 months · Est. USD 2,250,000	World Bank Group	Fully funded	In progress Behind: 1 overdue	25% expected 50%
Pillar 3	I12: Constitution of a regional payments system forum which includes private sector participation ★ Multi-DP · 2 TWG 3 · Q3 2026–Q4 2026 · 6 months · Est. USD 200,000	GIZ / BMZ, FSD Network	Fully funded	In progress Behind: 1 overdue	67% expected 100%
Pillar 3	I13: Development of a consumer protection framework TWG 3 · Q3 2026–Q4 2028 · 30 months · Est. USD 200,000	—	Unfunded	In progress Behind: 1 overdue	25% expected 50%
Timeline Q3 2026 → Q4 2028 Scope Regional Working group TWG 3 Duration 30 months Figures as of Q2 2026 (last report) Development partners Unallocated Funding Unfunded Est. budget USD 200,000 Key performance indicator Regional consumer protection framework adopted (Y/N) + national framework existence (n of 8) Midline target (Q3 2027) Consultant hired and consumer protection framework in development Endline target (Q4 2028) Final Consumer Protection Framework produced, reviewed and validated by TWG and in circulation with Partner State central bank; completion rate 100% Activity milestones 1. Constitute a TWGDone by Q3 2026 2. TORs to develop a consumer protection frameworkNot started by Q4 2026 3. Hire a consultant for the development a consumer protection frameworkNot started by Q3 2027 4. Review and validate the draft consumer protection frameworkNot started by Q4 2028 Key update No update published for this period. Impact by 2030 Average time to submit and resolve a cross-border payment complaint Target to be set Baseline —Not yet reported2030 target to be set
Pillar 3	I14.1: Quick Response (QR) code for simplified user experiences and alignment of risk management of QR transactions TWG 3 · Q3 2026–Q3 2028 · 27 months · Est. USD 200,000	GIZ / BMZ	Fully funded	In progress Behind: 1 overdue	20% expected 40%
Pillar 3	I14.2: Proxy identifiers/ aliases and their validation processes TWG 3 · Q3 2026–Q3 2028 · 27 months · Est. USD 200,000	GIZ / BMZ	Fully funded	In progress	25% expected 25%
Pillar 3	I14.3: Open and secure APIs for seamless technical integration and onboarding TWG 3 · Q3 2026–Q3 2028 · 27 months · Est. USD 200,000	GIZ / BMZ	Fully funded	In progress Behind: 1 overdue	25% expected 50%
Pillar 3	I15.1: Define a regional KPI framework aligned with the G20 principles ★ Multi-DP · 2 TWG 3 · Q4 2025–Q1 2031 · 66 months · Est. USD 100,000	Gates Foundation, GIZ / BMZ	Fully funded	In progress Behind: 4 overdue	38% expected 88%
Pillar 3	I15.2: Establish a regional reporting and transparency mechanism TWG 3 · Q4 2025–Q1 2031 · 66 months · Est. USD 200,000	Gates Foundation	Fully funded	In progress Behind: 4 overdue	38% expected 88%
Pillar 4	I16.1: Build capacity on CBDC TWG 3 · Q3 2026–Q3 2030 · 51 months · Est. USD 100,000	GIZ / BMZ	Fully funded	In progress	38% expected 0%
Pillar 4	I16.2: Assess feasibility of CBDCs for cross-border payments TWG 3 · Q3 2026–Q4 2027 · 18 months · Est. USD 250,000	GIZ / BMZ	Fully funded	In progress	50% expected 50%
Pillar 4	I17: Understand approach to regulation and oversight of virtual assets TWG 3 · Q3 2026–Q4 2028 · 30 months · Est. USD 200,000	—	Unfunded	In progress Behind: 1 overdue	0% expected 20%
Pillar 4	I18: Explore the use of emerging technologies and schemes in the context of payments TWG 3 · Q3 2026–Q3 2030 · 51 months · Est. USD 300,000	GIZ / BMZ	Fully funded	Not started	0% expected 0%
Pillar 4	I19: Promote regional payment systems through awareness and dissemination ★ Multi-DP · 3 TWG 3 · Q3 2026–Q2 2031 · 60 months · Est. USD 890,000	AfDB, GIZ / BMZ, FSD Network	Fully funded	Not started	0% expected 0%
Pillar 4	I20: Enhance knowledge of payment systems through knowledge sharing and peer learning ★ Multi-DP · 2 TWG 3 · Q3 2026–Q2 2031 · 60 months · Est. USD 1,590,000	GIZ / BMZ, FSD Network	Fully funded	In progress	0% expected 0%

The black tick on each bar marks where the initiative is expected to be by now: the share of its activities whose target date has passed.

Figures for Q4 2026, published 2026-10-30 04:18+03:00 EAT by the EAC Secretariat from the Masterplan Reporting Tool. Progress = weighted share of activities Done (Reporting Tool method). Each initiative is shown as last reported at or before this quarter. Download the initiative figures (CSV)