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Africa CBDCs

African profiles include live and pilot CBDC deployments with varied policy objectives.

Programs

Matching profiles

Jurisdictions Covered

Nigeria
South Africa
Ghana

Cross-Border Projects

No cross-border projects listed.

Observer And Policy Jurisdictions

Kenya

Observer

research

CBK published Discussion Paper on CBDC in February 2023 with public consultation concluding May 2023. No formal CBDC program announced. CBK has indicated no compelling priority for CBDC issuance at this time, prioritizing other payment system innovations.

Zimbabwe

Observer

research

RBZ has issued Gold-Backed Digital Tokens (GBDT) since 2023, but these are not a CBDC. According to RBZ 5-Year Strategy Plan (2026-2030), 'CBDC advancement' is listed as a strategic priority. Consumer survey for CBDC exploration reportedly announced August 2025 following Cabinet directive from November 2021. No formal CBDC program established.

Reference Answers

Audited answers for common page-level questions, with citations and date context.

How should readers interpret Africa's CBDC landscape on this site?

medium confidenceAs of 2026-04-22

Africa's tracked programmes split between live deployment and targeted pilots: Nigeria's eNaira is live, Ghana's e-Cedi remains pilot-stage, and South Africa is still represented as research rather than a retail launch path.

Nigeria is the live retail CBDC in the current Africa set.
Ghana's e-Cedi remains a pilot with official pilot-result material but no strong recurring public metrics series.
South Africa stays in research status rather than pilot or live.

Citations