Mixx Togo joins BCEAO payment platform, enabling cross-border transfers across UEMOA

Finance

Tuesday, 14 April 2026 15:06

Mixx Togo joins BCEAO payment platform, enabling cross-border transfers across UEMOA

(Togo First) - Togo’s mobile wallet Mixx has joined the PI-SPI platform operated by the Central Bank of West African States (BCEAO), enabling instant, interoperable transfers and payments across the eight-member West African Economic and Monetary Union (UEMOA).

Users can now send and receive money between mobile wallets, banks and microfinance institutions across the UEMOA, the company said. More than 50 institutions in the region are connected to the platform, including Ecobank, Orabank and Bank of Africa in Togo.

A user in Togo can, for example, transfer funds to a bank account in Côte d’Ivoire or pay a supplier in Burkina Faso in real time.

“Interoperability is a major step toward a truly connected financial ecosystem in West Africa,” said Catherine Savery, managing director of Mixx Togo. “By enabling seamless transfers between institutions and across borders, Mixx is helping to create new opportunities for individuals, entrepreneurs and businesses in the UEMOA.”

Push for interoperable payments

The move forms part of the BCEAO’s strategy to strengthen interoperability in financial services across the UEMOA. The World Bank says financial inclusion in sub-Saharan Africa remains below 60%, with wide disparities between countries.

In Togo, the rate rises to 89% when broader financial services are included. Mobile money has become central to financial access for many citizens. In this market, where Mixx competes with Moov Africa Togo, the company says it has more than 5 million users, 31,000 agents and 26,000 merchants.

Mixx Togo is a mobile financial services “super app” launched by the Yas Togo group, formerly Togocom. It allows users to turn a mobile phone into a digital wallet for everyday transactions.

The rollout also includes merchant payments via an interoperable QR code. Mixx, which holds an electronic money institution licence from the BCEAO, said the feature will let merchants accept payments from multiple platforms across the region.

Such infrastructure supports regional economic integration by facilitating trade and financial flows. The BCEAO launched PI-SPI to progressively connect all financial players in the zone.

The central bank has set a June 30, 2026 deadline for financial institutions to connect to the platform.

Ayi Renaud Dossavi

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