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© 2025 - All Rights Reserved - AfricaNenda Foundation

angola

    All Kwanza Instantâneo (KWiK)

Report Year

2025

    Kwanza Instantâneo (KWiK)

  • Geographic Reach

    Angola

  • Gender

    No

  • Geographic Region

    Central Africa

  • Coverage

    Domestic

  • Year Of Establishment

    2023

  • Ips Type

    Cross-domain

  • Interoperability Arrangement

    Multilateral

  • Governance Typology

    Central bank led

  • Ownership Model

    Regulator-owned

  • System Owner

    National Bank of Angola (central bank)

  • Overseer

    National Bank of Angola (Central bank)

  • System Governance

    National Bank of Angola (Central bank)

  • Operator

    EMIS (Private Limited Company owned by most banks)

  • Settlement Agent

    Participants’ accounts are pre-funded in the RTGS system. The clearing and settlement of transfers take place within the instant payment system itself

  • Number Of Unique Ips End Users

    -

  • Total Number Of Participants2025

    19

  • Number Of Direct Participants Commercial Banks

    16

  • Number Of Direct Participants EMoney Issuers

    3

  • Number Of Direct Participants MFIs

    -

  • Number Of Direct Participants Other

    -

  • Number Of Direct Participants Post Office

    -

  • Indirect Participants Type

    -

  • Number Of Indirect Participants

    -

  • Supported Use Cases

    P2P

  • Supported Instruments

    E-money

  • Primary Local Channel

    App

  • Supported Channels

    USSD, App, Browser

  • Qr Code Enabled Type

    -

  • Messaging Standard

    ISO 20022

  • Proxy Id

    Bank account number , Mobile phone number, Email address, Other

  • Other Proxy Id Type

    Nickname

  • Business Model

    Not-for-loss

  • Pricing Structure

    Joining fee, monthly and yearly fee for participants

  • Scheme Rules Public

    No

  • Additional Recourse Requirements

    No

  • Dispute Resolution Mechanism

    Yes

  • Api Use Function

    Yes

  • Startup Funding Source

    Operator

  • Participation In Decision Making

    Yes

  • Mechanism For Decision Making

    KWiK Participants Committee

  • Ability To Become Direct Participants

    Yes

  • Entities That Cannot Participate

    -

  • Min Value For Transactions

    1 AOA

  • Corporate Structure

    Private limited company

  • Other Corporate Structure

    -

  • Pull Request To Pay Enabled

    No

  • Third Party Connections Enabled

    No

  • Real Time Payment Confirmation

    Yes

  • Transaction Validation Enabled

    Yes

  • Inclusivity Ranking

    Not ranked