What does it take to get an e-money licence in DR Congo?
To hold an e-money licence in DR Congo, you need the Établissement de monnaie électronique licence from Banque Centrale du Congo. Published minimum capital: USD 2,500,000, a released share capital fully paid up in cash, stated as the CDF-equivalent (a USD-denominated floor in a CDF-law economy — the dual-currency reality is in the instrument itself; Rule 1: a statutory amount, not a rate). 4 entities currently hold an e-money licence in DR Congo. Full requirements — minimum capital, local presence, timeline, local ownership, fees and ongoing obligations — are set out below in each instrument's own words, with source and date; amounts are in the statute's own currency.
“E-money issuance” here is the normalized activity: Issue stored-value / electronic money redeemable at par and hold the customer float. The category of licence that lets a provider keep customers' money.
Activity id (as used by the Afriset MCP): fintech:EMONEY_ISSUE
Établissement de monnaie électronique
Banque Centrale du Congo| Requirement | As published | Source | Source date |
|---|---|---|---|
| Minimum capital | USD 2,500,000, a released share capital fully paid up in cash, stated as the CDF-equivalent (a USD-denominated floor in a CDF-law economy — the dual-currency reality is in the instrument itself; Rule 1: a statutory amount, not a rate). Verbatim“Les établissements de monnaie électronique doivent disposer d'un capital minimum social libéré en numéraire équivalent en francs congolais (CDF) à USD 2.500.000 (dollars américains deux millions cinq cent mille).” | Instruction n° 24 relative à l'émission de la monnaie électronique (the EME capital/agrément frame) | 2011 |
| Local presence / incorporation | A constituted establishment: the agrément dossier (filed in three copies to the Governor) must include the applicant's statuts and proof of the article-6 capital; the EME agrément confers the status of société financière (Réglementation du Change art. 108). Verbatim“les statuts de l'établissement demandeur et la preuve que l'établissement dispose d'un capital initial prévu par l'article 6” | Instruction n° 24 relative à l'émission de la monnaie électronique (the EME capital/agrément frame) | 2011 |
| Timeline | The Banque Centrale notifies the agrément within nonante (90) jours of receiving the complete dossier (or the complementary information). Verbatim“L'agrément est notifié par décision de la Banque Centrale, dans un délai de nonante jours (90) à compter de la date de réception du dossier complet par cette dernière ou, le cas échéant, des informations complémentaires.” | Instruction n° 24 relative à l'émission de la monnaie électronique (the EME capital/agrément frame) | 2011 |
| Local ownership | No such requirement: Instruction n° 24 sets no local-ownership or nationality percentage requirement for an e-money issuer. | Instruction n° 24 relative à l'émission de la monnaie électronique (the EME capital/agrément frame) | 2011 |
| Fees | No such requirement: No application/licensing fee schedule is fixed in Instruction n° 24. | Instruction n° 24 relative à l'émission de la monnaie électronique (the EME capital/agrément frame) | 2011 |
| Ongoing obligations | Day-to-day management must be entrusted to at least two natural persons meeting honorability, competence and experience conditions (art. 7); the issuer is subject to the prudential regime of Titre III (own-funds floor, activity limited to e-money services, no deposit-taking; arts. 14–18). Verbatim“La gestion courante d'un établissement de monnaie électronique doit être confiée à deux personnes physiques au moins, justifiant de l'honorabilité, de la compétence et de l'expérience professionnelle nécessaires à l'exercice de cette fonction.” | Instruction n° 24 relative à l'émission de la monnaie électronique (the EME capital/agrément frame) | 2011 |
Requirements as published in the cited instruments — not legal or compliance advice. Capital and fees are shown in the currency the statute itself uses. Where a value is located but not yet verified, we show that it exists but don't publish the figure. Verify directly with the regulator.
Maintained: this official source is re-checked on a weekly schedule — last checked 2026-08-04 · unchanged since the previous check.
Who already holds this licence?
4 entities are on the Banque Centrale du Congo register under the Établissement de monnaie électronique category — view the register .
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