Corridor Configuration

Select your origin and destination, payment purpose, and transaction size. The tool will load corridor-specific CBDC availability and settlement data.

Origin country / zone

Destination country / zone

Payment purpose

Transaction amount (USD equivalent) Individual transaction amount for economics modelling

Monthly volume (USD) Programme/institutional monthly flow

Institution type

Architecture & Settlement Economics

Select your preferred digital currency rail and FX mechanism. Live comparison against the correspondent banking baseline for your corridor.

Primary digital currency rail

FX settlement mechanism

Settlement Economics Comparison

All-in cost (digital rail)

—

vs corridor

All-in cost (correspondent)

—

G20 target <5%

Settlement time

—

vs 2–4 days correspondent

FX spread compression

—

bps saved per transaction

Annual saving (at volume)

—

on monthly programme

Herstatt risk

—

settlement exposure window

Full Comparison Table

Metric	Digital Rail (selected)	Correspondent banking	Improvement
Select corridor and rail above to load economics data.

Compliance & Regulatory Overlay

CBDC and stablecoin status per country, FATF Travel Rule applicability, and AML obligations for the selected corridor.

Digital Currency Status by Jurisdiction

Nigeria

Live

eNaira (retail CBDC) · cNGN (regulated stablecoin)

eNaira launched Oct 2021, ~3.8M wallets. cNGN launched 2025 — CBN-backed naira stablecoin, interoperable with eNaira. AML: FINTRAC-equivalent CBN obligations apply.

ECCU

Live

DCash (retail CBDC) · 8 island nations

DCash launched Mar 2021 — first multi-jurisdiction CBDC. Issued by ECCB across Antigua & Barbuda, Dominica, Grenada, Montserrat, St Kitts, St Lucia, St Vincent, Anguilla. Cross-island PvP live.

Ghana

Paused

e-Cedi (retail CBDC pilot)

Pilot completed 2023; full launch paused pending Ghanaian cedi stabilisation. BoG reaffirmed commitment in Q1 2026. Interim: GhIPSS interbank rails used for digital settlement.

Senegal / WAEMU

Research

BCEAO digital CFA franc (eCFA — study phase)

BCEAO (Central Bank of West African States) studying a digital CFA franc for the 8-nation WAEMU zone. Wave and Orange Money dominate digital payments. No live CBDC as of 2026.

United Kingdom

Pilot 2026

Digital Pound (retail CBDC) — design phase

Bank of England & HMT in extended design phase. FCA stablecoin regulatory sandbox cohort live 2026. UK MTL required for corridor from Nigeria/Ghana. PSR APP fraud rules apply.

United States

No CBDC

GENIUS Act stablecoins (USD-pegged, regulated)

No US retail CBDC. GENIUS Act (Jul 2025) enables regulated USD payment stablecoins. Nigerian/West African remittance operators need FinCEN MSB registration + BSA/AML programme.

FATF Travel Rule — Corridor Assessment

Corridor	FATF R.16 Threshold	Origin Status	Destination Status	Data Fields Required	Risk Flag
Nigeria → Ghana	$1,000 USD	Partial	Partial	Originator name, account, address, national ID; Beneficiary name, account	Sunrise risk — check VASP data sharing
Nigeria → ECCU	$1,000 USD	Partial	Compliant	Full originator + beneficiary; ECCB requires ISO 20022 pain.001 format	Low risk
Nigeria → UK	£1,000 GBP	Partial	Full (UK MLR 2017)	Full 5-field originator + beneficiary; PSR APP fraud liability check required	Manageable
Nigeria → US	$3,000 USD (FinCEN)	Partial	Full (BSA/MSB)	Full 5-field per 31 CFR 1010.410(f); FinCEN MSB registration required	Manageable with MSB licence
Any → Senegal/WAEMU	CFA equivalent ~$1,000	Varies	BCEAO guidelines only	Originator name + account; beneficiary name. Mobile money operator data gaps common	High data-gap risk

Corridor Report & Policy Mandate

Full architecture decision record for your selected corridor. Export as Policy Mandate JSON for board briefings, regulatory submissions, or agent runtime consumption.

Policy Mandate — West Africa Digital Currency Corridor

{ Run steps 1–3 and click "Build corridor report" to generate mandate }

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

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          T220 · Correspondent De-Risking Modeler·
          T221 · D+0 Finality Comparator·
          T325 · Settlement Atlas
        

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West Africa Digital Currency Corridor.