Headline:
Ghana working with Rwanda, Zambia, other partners to pilot continental mobile money interoperability

Key Points

• Ghana collaborating with Rwanda, Zambia, and other partners to pilot a continental digital trade corridor.
• Focus areas:
  • Mobile money interoperability
  • Mutual recognition of digital identity for cross-border KYC
  • Harmonised electronic invoicing

Vice President Naana Jane Opoku-Agyemang at 3i Africa Summit (Accra, May 6, 2026):

“The objective is for a Ghanaian enterprise to be able to invoice clients and receive payments in cedis directly, efficiently and at a reasonable cost.”

---

Context

• Ghana’s payment infrastructure upgraded to support cross-border transactions.
• Businesses will be able to send invoices and receive payments in cedis without routing through foreign systems.
• Many intra-African transactions currently routed through external financial systems, adding costs and delays.

---

Progress & Framework

• Pan-African Payment and Settlement System already making strides.
• African Continental Free Trade Area Digital Trade Protocol (AU Assembly, 2024) provides foundation for reducing payment delays.
• No timeline announced for corridor implementation.

---

GhIPSS Perspective

Clara B. Arthur, CEO of GhIPSS:

• Ghana’s payment systems migrating to ISO 20022 global messaging standard.
• Enables richer transaction data and faster settlement.
• Ready to connect with other instant payment systems across Africa.
• Role: provide systems for partners to build solutions expanding access, usage, and financial inclusion.
• With Virtual Asset Service Providers Act, GhIPSS engaging providers to support shared infrastructure for innovation, growth, and regulation.