Implementation roadmap

Timeline and progress across the 2025–2031 masterplan — Q4 2026

Timeline (re-baselined, Mombasa workshop, Sep 2026)Progress achievedMilestone doneMilestone overdueMilestone upcomingQ4 2026

Initiative

2025

2026

2027

2028

2029

2030

2031

I1: Development of a mutual recognition framework for cross-border PSP licensing

Pillar 1 · Q3 2026–Q4 2026 · Est. USD 200,000

In progress · behind schedule

75%

I2: Development of a Regional Cooperative Oversight Framework

Pillar 1 · Q3 2026–Q4 2026 · Est. USD 150,000

In progress · behind schedule

75%

I3: Development of a harmonised intra-regional cross-border mobile money/ e-wallet regulatory framework

Pillar 1 · Q3 2026–Q4 2027 · Est. USD 400,000

In progress · behind schedule

20%

I4: Development of a harmonised version of common messaging standards

Pillar 1 · Q3 2026–Q1 2028 · Est. USD 200,000

In progress · behind schedule

50%

I5: Development of cross-border principles for currency acceptability and convertibility

Pillar 1 · Q3 2026–Q4 2027 · Est. USD 200,000

In progress · behind schedule

50%

I6.1: Develop minimum AML/CFT/CPF assurance standards

Pillar 1 · Q3 2026–Q1 2028 · Est. USD 200,000

In progress · behind schedule

25%

I6.2: Develop minimum standards for fraud mitigation

Pillar 1 · Q3 2026–Q1 2028 · Est. USD 200,000

In progress · behind schedule

25%

I7.1: Development of crossborder transaction resolution framework for non-bank PSPs

Pillar 1 · Q3 2026–Q3 2027 · Est. USD 150,000

In progress · behind schedule

25%

I7.2: Develop non-bank PSP dispute resolution framework

Pillar 1 · Q4 2026–Q3 2027 · Est. USD 150,000

In progress · behind schedule

25%

I7.3: Develop non-bank PSP insolvency framework

Pillar 1 · Q3 2026–Q3 2027 · Est. USD 150,000

In progress · behind schedule

25%

I8: Assessment of potential onboarding of hard currency within EAPS to expand access

Pillar 2 · Q3 2026–Q2 2028 · Est. USD 200,000

In progress · behind schedule

20%

I9: Upgrade of EAPS

Pillar 2 · Q3 2026–Q2 2028 · Est. USD 400,000

In progress · behind schedule

20%

I10.1: Develop national retail instant switches for all Partner States

Pillar 2 · Q3 2026–Q3 2029 · Est. USD 500,000

Not started

I10.2: Develop a common rulebook for cross-border retail payments

Pillar 2 · Q3 2025–Q4 2028 · Est. USD 200,000

In progress · behind schedule

25%

I10.3: Interlink existing national retail switches

Pillar 2 · Q2 2025–Q4 2029 · Est. USD 500,000

In progress

17%

I10.4: Transition to a fit-for-purpose regional centralised switch

Pillar 2 · Q3 2026–Q4 2030 · Est. USD 10,500,000

In progress

25%

I11: Development of regtech and suptech tools for effective oversight and data collection

Pillar 2 · Q3 2026–Q3 2028 · Est. USD 2,250,000

In progress · behind schedule

25%

I12: Constitution of a regional payments system forum which includes private sector participation

Pillar 3 · Q3 2026–Q4 2026 · Est. USD 200,000

In progress · behind schedule

67%

I13: Development of a consumer protection framework

Pillar 3 · Q3 2026–Q4 2028 · Est. USD 200,000

In progress · behind schedule

25%

I14.1: Quick Response (QR) code for simplified user experiences and alignment of risk management of QR transactions

Pillar 3 · Q3 2026–Q3 2028 · Est. USD 200,000

In progress · behind schedule

20%

I14.2: Proxy identifiers/ aliases and their validation processes

Pillar 3 · Q3 2026–Q3 2028 · Est. USD 200,000

In progress

25%

I14.3: Open and secure APIs for seamless technical integration and onboarding

Pillar 3 · Q3 2026–Q3 2028 · Est. USD 200,000

In progress · behind schedule

25%

I15.1: Define a regional KPI framework aligned with the G20 principles

Pillar 3 · Q4 2025–Q1 2031 · Est. USD 100,000

In progress · behind schedule

38%

I15.2: Establish a regional reporting and transparency mechanism

Pillar 3 · Q4 2025–Q1 2031 · Est. USD 200,000

In progress · behind schedule

38%

I16.1: Build capacity on CBDC

Pillar 4 · Q3 2026–Q3 2030 · Est. USD 100,000

In progress

38%

I16.2: Assess feasibility of CBDCs for cross-border payments

Pillar 4 · Q3 2026–Q4 2027 · Est. USD 250,000

In progress

50%

I17: Understand approach to regulation and oversight of virtual assets

Pillar 4 · Q3 2026–Q4 2028 · Est. USD 200,000

In progress · behind schedule

I18: Explore the use of emerging technologies and schemes in the context of payments

Pillar 4 · Q3 2026–Q3 2030 · Est. USD 300,000

Not started

I19: Promote regional payment systems through awareness and dissemination

Pillar 4 · Q3 2026–Q2 2031 · Est. USD 890,000

Not started

I20: Enhance knowledge of payment systems through knowledge sharing and peer learning

Pillar 4 · Q3 2026–Q2 2031 · Est. USD 1,590,000

In progress

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)