{ "jurisdiction_id": "TZ", "jurisdiction": "Tanzania", "url": "https://payments.gi/jurisdictions/tanzania/", "generator": "render_jid v13.3.0", "date_modified": "2026-08-11", "schema_version": "world-payments-v1", "counts": { "modules": 14, "sourced_findings": 57, "source_register": 79 }, "modules": [ { "code": "W1a", "name": "Licensing, Authorisation & Market Access", "confidence": "Confirmed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/tanzania/#w1a-licensing-authorisation-market-access", "standing_position": "Tanzania's payment-services regime is anchored in the National Payment Systems Act No. 4 of 2015, with BoT as primary licensing/supervisory authority (jointly with TCRA for telecom-linked mobile money aspects). A 2025 Use of Foreign Currency regulation mandates TZS-only domestic pricing/payment; BoT issued draft Cybersecurity Guidelines for banks/PSPs/FSPs in March 2026; BoT opened the third cohort of its Fintech Regulatory Sandbox (applications closed 31 July 2026).", "findings": [ { "finding": null, "instrument_type": "primary_statute", "source": "https://www.bot.go.tz/PaymentSystem/regulations", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "primary_statute", "source": "https://tanzanialaws.com/n/678-national-payment-systems-act", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "regulator_notice", "source": "https://www.lexology.com/library/detail.aspx?g=8f8b0d06-47f4-4ff4-a305-d3b0e807d4be", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "subsidiary_regulation", "source": "https://www.bot.go.tz/Publications/NPS/GN-THE%20PAYMENT%20SYSTEMS%20LICENSING%20AND%20APPROVAL%20REGULATIONS%202015.pdf", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "licence_grant", "source": "https://financialit.net/news/payments/bank-tanzania-grants-license-dpo-pay", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W1b", "name": "Conduct, Safeguarding & Financial Promotions", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/tanzania/#w1b-conduct-safeguarding-financial-promotions", "standing_position": "Safeguarding of customer e-money in Tanzania is structured around a mandatory trust arrangement: non-bank e-money issuers must establish a separate legal entity (a trust) and maintain a trust account for customer funds under the Payment System (Electronic Money) Regulations 2015. Conduct and consumer-facing duties are layered over this via the BoT (Financial Consumer Protection) Regulations 2019 (G.N. 884) requiring complaint-handling mechanisms and prohibiting unfair/deceptive practices. Agents may be used but only on a non-exclusive basis, with providers remaining liable for agent acts.", "findings": [ { "finding": null, "instrument_type": "subsidiary_regulation", "source": "https://www.lexology.com/library/detail.aspx?g=c9bfd8b3-c7f7-4a27-8a81-ea6d2daaf748", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "regulator_practice", "source": "https://dailynews.co.tz/who-is-liable-when-mobile-money-disappears/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "subsidiary_regulation", "source": "https://www.bot.go.tz/DFDI/ConsumerProtection", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "subsidiary_regulation", "source": "https://www.lexology.com/library/detail.aspx?g=c9bfd8b3-c7f7-4a27-8a81-ea6d2daaf748", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W2", "name": "Stablecoins & Digital Money", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/tanzania/#w2-stablecoins-digital-money", "standing_position": "Tanzania has no enacted stablecoin or virtual-asset framework; cryptocurrency remains under a de facto ban with the Tanzanian Shilling the sole legal tender. The BoT's 12 November 2019 public notice cautioned against virtual-currency use as contrary to FX regulations, and the Governor reaffirmed in 2025 that crypto use 'remains illegal.' E-money proper is fully regulated under the Payment System (Electronic Money) Regulations 2015 (trust-based issuer model). A CBDC ('digital shilling') is at research stage: BoT began a phased, risk-based exploration in early 2023 and, per September 2025 reporting, has completed a CBDC report awaiting government direction. A December 2024 High Court ruling (Yellow Card Tanzania Ltd v Nyamwero) has reopened debate on virtual-asset legality.", "findings": [ { "finding": null, "instrument_type": "regulator_position", "source": "https://www.thecitizen.co.tz/tanzania/business/bank-of-tanzania-s-new-study-to-chart-path-for-digital-currency--5057340", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "regulator_position", "source": "https://cbdctracker.hrf.org/currency/tanzania-united-republic-of", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "regulator_notice", "source": "https://www.afriwise.com/blog/tanzania-courts-decision-on-virtual-assets", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "policy_paper", "source": "https://www.thecitizen.co.tz/tanzania/business/bank-of-tanzania-s-new-study-to-chart-path-for-digital-currency--5057340", "source_url": null, "source_tier": "2", "retrieved_at": null } ] }, { "code": "W3", "name": "Operational Resilience & Critical Infrastructure", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/tanzania/#w3-operational-resilience-critical-infrastructure", "standing_position": "BoT operates and oversees the systemically important payment infrastructures — TISS (real-time gross settlement, since 2004), the Tanzania Automated Clearing House (TACH/ECH since 2002), EFT, and the Tanzania Instant Payment System (TIPS). Resilience is supervised through offsite reporting and onsite examinations, with TACH reporting >99% uptime and T+0 processing in 2022. Supervision includes product pre-approval, vetting of senior managers/directors/shareholders/trustees, and migration to ISO 20022 messaging. Provider operational conduct is grounded in s.53 NPS Act authority over PSP and agent security guidelines.", "findings": [ { "finding": null, "instrument_type": "regulator_report", "source": "https://www.bot.go.tz/Publications/Regular/Annual%20Report/en/2024020511594863.pdf", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "infrastructure", "source": "https://www.bot.go.tz/Publications/Regular/Annual%20Report/en/2024020511594863.pdf", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "regulator_report", "source": "https://www.bot.go.tz/Publications/Regular/Annual%20Report/sw/2025032515311662.pdf", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "primary_statute", "source": "https://www.thecitizen.co.tz/tanzania/news/national/mobile-money-agents-hit-by-rising-wave-of-fraud-cases-5463682", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W4", "name": "Scheme & Network Compliance", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/tanzania/#w4-scheme-network-compliance", "standing_position": "Card and instant-rail scheme compliance in Tanzania combines international card-scheme rules (Visa, Mastercard, plus Amex/Cirrus/Maestro acceptance) with BoT's domestic standards. The TANQR Code Standard 2022 mandates a national, EMVCo-QRCPS-based interoperable merchant QR with the payment switch identifier fixed to 'TZ', binding all FSPs to migrate existing QR/Lipa Namba codes. BoT also issued the Fees and Charges Guidelines for Banks/Financial Institutions 2024 and for Non-Bank Payment System Providers 2024, plus Paper Instrument Standards. Card interchange is market-driven (no domestic interchange cap evidenced), but BoT capped interbank/wallet transfer fees in 2024.", "findings": [ { "finding": null, "instrument_type": "technical_standard", "source": "https://www.bot.go.tz/Publications/Acts,%20Regulations,%20Circulars,%20Guidelines/Guidelines/sw/2022081908570183.pdf", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "guideline", "source": "https://www.bot.go.tz/Publications/Regular/Annual%20Report/sw/2025032515311662.pdf", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "technical_standard", "source": "https://www.bot.go.tz/Publications/Regular/Annual%20Report/sw/2025032515311662.pdf", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "infrastructure", "source": "https://www.bot.go.tz/Publications/Regular/Annual%20Report/en/2024020511594863.pdf", "source_url": null, "source_tier": "1", "retrieved_at": null } ] }, { "code": "W5", "name": "Payment Corridor Dynamics", "confidence": "Confirmed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/tanzania/#w5-payment-corridor-dynamics", "standing_position": "Tanzania's cross-border rails span the East African Payment System (EAPS, linking Kenya/Uganda/Rwanda central banks), the SADC-RTGS (ZAR-denominated, SARB-operated, Tanzania participates via 6 banks), SWIFT, and progressive adoption of the Pan-African Payment and Settlement System (PAPSS) for local-currency intra-African settlement. Mobile-money cross-border corridors are growing fast — cross-border mobile money inflows rose 33% to Sh698bn — with Airtel/Tigo enabling regional transfers and Vodacom M-Pesa connecting to East African bank accounts. Tanzania is aligning to the G20 cross-border payments roadmap (1–3% remittance cost target by 2027). A July 2024 rule mandates domestic transactions in local currency.", "findings": [ { "finding": null, "instrument_type": "infrastructure", "source": "https://www.thecitizen.co.tz/tanzania/business/cross-border-mobile-money-inflows-rise-33-percent-to-sh698-billion-5488722", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "infrastructure", "source": "https://www.resbank.co.za/en/home/what-we-do/payments-and-settlements/SADC-RTGS", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "infrastructure", "source": "https://crossglobepay.com/lessons-from-cross-border-payment-failures-in-africa/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "policy_target", "source": "https://www.thecitizen.co.tz/tanzania/business/cross-border-mobile-money-inflows-rise-33-percent-to-sh698-billion-5488722", "source_url": null, "source_tier": "2", "retrieved_at": null } ] }, { "code": "W6", "name": "Industry Structure & Commercial Dynamics", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/tanzania/#w6-industry-structure-commercial-dynamics", "standing_position": "Tanzania's retail payments market is mobile-money-led and concentrated: six MNO wallets — Vodacom M-Pesa (~39%), Tigo Pesa (~30%), Airtel Money (~20%), Halotel Halopesa (~7%), TTCL Pesa (~3%) and Zantel Ezy Pesa (~1%) — with Mixx by YAS now a major brand. Mobile-money operators handle ~89% of merchant digital transactions vs ~1% for traditional banks and ~10% for independent processors. The banking layer is dominated by CRDB and NMB, which together hold ~half of sector assets (TZS 79.4tn total in 2025). Payment aggregators ClickPesa, Selcom and DPO are pivotal intermediaries; Selcom is the largest homegrown payments company.", "findings": [ { "finding": null, "instrument_type": "market_structure", "source": "https://www.tanzaniainvest.com/mobile-money", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "market_structure", "source": "https://www.tanzaniainvest.com/finance/banking/banking-sector-2025-performance-review-unaudited-aml", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "market_structure", "source": "https://anbpost.substack.com/p/this-week-in-tanzanian-tech-jun-29", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "market_structure", "source": "https://www.transfi.com/blog/tanzanias-payment-rails-how-they-work---mobile-money-interoperability-bank-transfers-qr-codes", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W7", "name": "Legal & Litigation", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/tanzania/#w7-legal-litigation", "standing_position": "Landmark payments-adjacent litigation centres on virtual assets: the High Court of Tanzania's 13 December 2024 decision in Yellow Card Tanzania Ltd v Nyamwero Michael Nyamwero (Commercial Case No. 12171 of 2024) enforced a settlement deed arising from a crypto-trading business, reopening debate on virtual-asset legality despite BoT's de facto ban. Enforcement activity is regulator-led: in November 2024 BoT suspended 69 mobile lending apps for unlicensed digital lending under the August 2024 second-tier digital microfinance guidelines. The NPS Act carries criminal penalties (fines from TZS 50m for natural persons / TZS 500m for body corporates).", "findings": [ { "finding": null, "instrument_type": "court_ruling", "source": "https://www.afriwise.com/blog/tanzania-courts-decision-on-virtual-assets", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "enforcement_action", "source": "https://www.thecitizen.co.tz/tanzania/business/public-outcry-as-unregulated-online-loan-apps-continue-to-harass-borrowers-5235562", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "primary_statute", "source": "https://tanzanialaws.com/n/678-national-payment-systems-act", "source_url": null, "source_tier": "1", "retrieved_at": null } ] }, { "code": "W8", "name": "Merchant Acquiring & Risk", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/tanzania/#w8-merchant-acquiring-risk", "standing_position": "Merchant acquiring in Tanzania runs through banks, MNO wallets and aggregators (Selcom ~25,000+ POS terminals, ClickPesa, DPO, Maxcom/MVISA). Merchant payments are increasingly QR-driven via TANQR (static and dynamic codes) and Lipa Namba over TIPS, lowering the POS-terminal barrier for micro-merchants. Acquiring risk is dominated by agent-level fraud: agents lose millions of shillings to evolving social-engineering schemes, and BoT/TCRA responses include SIM-card blocking (62,879 SIMs blocked Mar 2025–Mar 2026) and agent-conduct guidance under s.53 NPS Act. High-risk/online-lending merchant conduct prompted the 69-app suspension.", "findings": [ { "finding": null, "instrument_type": "market_structure", "source": "https://www.tanzaniainvest.com/fintech", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "technical_standard", "source": "https://clickpesa.com/tan-qr-how-does-it-work-and-why-do-you-need-it/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "risk_event", "source": "https://www.thecitizen.co.tz/tanzania/news/national/mobile-money-agents-hit-by-rising-wave-of-fraud-cases-5463682", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "market_structure", "source": "https://www.ifc.org/content/dam/ifc/doc/2024/evolution-of-the-mobile-money-payment-market-in-tanzania.pdf", "source_url": null, "source_tier": "2", "retrieved_at": null } ] }, { "code": "W9", "name": "Product Innovation & Market Development", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/tanzania/#w9-product-innovation-market-development", "standing_position": "TIPS (launched 2021, BoT-operated real-time multilateral switch); 46 admitted institutions 2024; ~$11.6bn processed 2024; full market-led MNO interoperability since 2014-2016; pipeline GePG integration, request-to-pay, direct-debit/ACH, ISO 20022, standardised QR replacing Lipa Namba.", "findings": [ { "finding": null, "instrument_type": "infrastructure", "source": "https://cbpn.currencyresearch.com/blog/2025/07/24/tips-building-inclusive-instant-payments-in-tanzania", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "infrastructure", "source": "https://www.bot.go.tz/Publications/Regular/Annual%20Report/sw/2025032515311662.pdf", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "market_development", "source": "https://ocdeedtechbites.app/blog/tanzania-s-digital-payment-revolution-how-far-have-we-really-come", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "product_pipeline", "source": "https://www.thecitizen.co.tz/tanzania/news/national/more-services-lined-up-in-payment-system-bot-says-4684614", "source_url": null, "source_tier": "2", "retrieved_at": null } ] }, { "code": "W10", "name": "Consumer Protection & APP Fraud", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/tanzania/#w10-consumer-protection-app-fraud", "standing_position": "Consumer protection is anchored in the BoT (Financial Consumer Protection) Regulations 2019 (G.N. 884), which apply to FSPs across Mainland Tanzania and Zanzibar and mandate complaint-handling, disclosure, fair treatment and information protection, with redress escalating to BoT. The 2025 Guidelines for Handling Financial Consumer Complaints (revoking the 2015 banking-complaints guidelines) standardise complaint embedding across all FSP types. There is no dedicated APP-fraud mandatory-reimbursement scheme equivalent to the UK PSR model; fraud loss falls largely on agents/consumers, addressed via public-education campaigns ('Sitapeliki'), AI fraud detection and police/TCRA action. Unregulated digital-lending harassment remains a live consumer-harm gap.", "findings": [ { "finding": null, "instrument_type": "subsidiary_regulation", "source": "https://www.bot.go.tz/DFDI/ConsumerProtection", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "guideline", "source": "https://www.clydeco.com/en/insights/2025/11/the-bank-of-tanzania-issues-new-guidelines-for-han", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "consumer_harm", "source": "https://www.thecitizen.co.tz/tanzania/business/public-outcry-as-unregulated-online-loan-apps-continue-to-harass-borrowers-5235562", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "risk_event", "source": "https://dailynews.co.tz/mobile-money-and-banking-safety-in-tanzania-part-2/", "source_url": null, "source_tier": "3", "retrieved_at": null } ] }, { "code": "W11", "name": "AML/CFT & Financial Crime", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/tanzania/#w11-aml-cft-financial-crime", "standing_position": "[Sentinel.gi position] Tanzania's AML/CFT framework rests on the Anti-Money Laundering Act (Cap. 423 RE 2023) and the AMLPOCA, supervised by the Financial Intelligence Unit (FIU, established under the 2006 AML Act). Tanzania is an ESAAMLG member; its 2019 mutual evaluation drove technical-compliance upgrades, and it was placed on the FATF grey list (increased monitoring) in October 2023. Significantly, the FATF officially delisted Tanzania from the grey list on 13 June 2025. Reporting persons must submit STRs (within 24 hours) and conduct CDD/PEP screening, with seven-year record retention. Payments context: M-Pesa/Airtel/Tigo e-money issuers and DNFBPs fall within the covered-entity perimeter.", "findings": [ { "finding": null, "instrument_type": "obligation", "source": "https://arctic-intelligence.com/countries/compliance-tanzania", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": "AML/CFT governed by the Anti-Money Laundering Act 2006 (as amended 2022, Mainland) and AMLPOCA 2009 (Zanzibar), plus the Economic and Organized Crime Control Act 2022. A National Multi-Disciplinary Committee chaired by the Bank of Tanzania coordinates AML/CFT policy; the FIU is the central reporting authority. Tanzania is an ESAAMLG member, was FATF grey-listed October 2022, and was formally delisted 13 June 2025 after a 2022-2025 action plan addressing supervision, ML/TF investigation capacity, confiscation and BO gaps.", "instrument_type": "assessment", "source": "FIM (sentinel.gi) per-JID baseline profile — United Republic of Tanzania", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Gap: sourcing-thinness", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-004)", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Gap: enforcement-absence", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-002)", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Gap: regulatory-failure", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-003)", "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "W12", "name": "Correspondent Banking, Settlement & Access", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/tanzania/#w12-correspondent-banking-settlement-access", "standing_position": "Settlement access is centred on BoT-operated TISS (real-time gross settlement for high-value interbank), with TIPS providing the retail multilateral switch open to banks and non-bank DFSPs. Regional settlement access flows through SADC-RTGS (6 Tanzanian participant banks: Equity, ABSA, Stanbic, NBC, Ecobank, Standard Chartered) and EAPS, with PAPSS adoption in progress to cut offshore correspondent-banking dependence. De-risking by global institutions has pressured smaller African banks' correspondent relationships generally; Tanzania's FX-market uncertainty is flagged as a constraint on settlement/exit for foreign investors. A July 2024 local-currency rule reshapes domestic settlement.", "findings": [ { "finding": null, "instrument_type": "infrastructure", "source": "https://www.bot.go.tz/Publications/Regular/Annual%20Report/sw/2025032515311662.pdf", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": null, "instrument_type": "infrastructure", "source": "https://www.thecitizen.co.tz/tanzania/business/cross-border-mobile-money-inflows-rise-33-percent-to-sh698-billion-5488722", "source_url": null, "source_tier": "2", "retrieved_at": null }, { "finding": null, "instrument_type": "risk_event", "source": "https://crossglobepay.com/lessons-from-cross-border-payment-failures-in-africa/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "diagnostic", "source": "https://documents1.worldbank.org/curated/en/099021925121041869/pdf/P174949-8da60f54-70be-4dae-a858-e04bcd9685fd.pdf", "source_url": null, "source_tier": "1", "retrieved_at": null } ] }, { "code": "W13", "name": "Commercial Intelligence & Fintech", "confidence": "Assessed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/tanzania/#w13-commercial-intelligence-fintech", "standing_position": "Trailing-12-month commercial activity (baseline window) is led by Selcom's bank acquisition — Selcom acquired Access Microfinance Bank (renamed Selcom Microfinance Bank) and is piloting the Selcom Pesa neobank, a landmark fintech-acquires-bank move. CRDB Bank raised a USD 200m syndicated loan in 2025 (oversubscribed at USD 567m, arranged by Investec and Intesa Sanpaolo) to fund SMEs/infrastructure across Tanzania and Burundi. Product launches include Selcom Pesa transaction bundles in response to BoT's July 2025 lower fee caps. Multiple Tanzanian fintechs (Swahilies, NovFeed, Laina, Settlo, TemboPlus, KopaGas) are active.", "findings": [ { "finding": null, "instrument_type": "commercial_event", "source": "https://finetechafrica.substack.com/p/tanzanian-fintech-selcom-acquired", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "commercial_event", "source": "https://www.tanzaniainvest.com/finance/banking/crdb-bank-loan-investec-sme-infrastructure", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "commercial_event", "source": "https://fintechnews.africa/44586/fintech-tanzania/top-11-african-fintechs-to-watch-in-2025/", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": null, "instrument_type": "commercial_event", "source": "https://anbpost.substack.com/p/this-week-in-tanzanian-tech-jun-29", "source_url": null, "source_tier": "3", "retrieved_at": null } ] } ] }