Financial market infrastructure · UEMOA (WAEMU) and diaspora
Open your markets to all the savings of UEMOA (WAEMU) and its diaspora.
Inopay is the sovereign infrastructure that lets licensed institutions welcome, verify and support their savers, in the region and abroad, under their own brand. Identity is verified only once, compliance is part of the journey, and the decision stays with the institution.
- Built-in AML/CFT compliance
- Diaspora journey
The complete journey, under your brand
Opening
The saver opens a file on your institution's portal.
Verification
Identity, documents and compliance, only once.
Onboarding
You decide; the agreement is signed electronically.
Investing
The saver funds their account from the bank they already use, wherever they live, and places orders online. Your institution receives them ready to process.
Follow-up
The saver follows a portfolio fed by your institution and brought together with their other accounts.
Four pillars
- Available
Portal under your brand
A space in your institution's colours, from account opening to orders and portfolio tracking, with electronic signature of the agreement.
- Available
Reusable identity
A file verified once, which the saver reuses from one institution to another with their consent. For individuals and legal entities alike.
- Available
Built-in compliance
AML/CFT screening, risk assessment, consents and traceability, part of the journey from the start.
- Available
Connectivity
An API and notifications to bring files into your tools, with no IT project needed to get started.
The diaspora, finally within reach
Savers living outside the zone have a journey designed for them: proof of residence, foreign documents, resident or non-resident status within the meaning of UEMOA (WAEMU) foreign exchange regulations. They fund their account from the bank they already use, place orders online and follow their whole portfolio in one place, with an indicative equivalent in their currency of residence.
Coming soon: investing in the stock market from a mobile app
With the Inopay API, mobile money operators and microfinance institutions will be able to offer stock market investing to their customers, in the region and in the diaspora, directly in the app they already use.
Why now
A renewed framework
Regulation No. 06/2024/CM/UEMOA on the external financial relations of member states modernises the framework for transactions with the rest of the world, including those of non-residents.
The text on the BCEAO website (in French)A regional priority
The BRVM and the State of Côte d'Ivoire have joined forces to mobilise diaspora savings.
The BRVM announcement, 10 June 2026 (in French)What savers expect
Digital, simple and secure access, through institutions they trust.
Our principles
- Service continuity
- Encrypted files
- Every access traced
- The decision belongs to the licensed institution
Are you a licensed institution? Let's talk about your market.
Tell us about your institution. We will show you the journey, under your brand.
Prefer to start on your own? Register your institution: your space opens in the sandbox, and production once your licence is verified (form in French).
Register my institution