IPA · Pre-launch — not yet authorised to conduct live testing or onboard customers
Gaborone · Botswana · +267 723 06377
Botswana · Fintech · 2026

One switch. Seven providers.
A single API for Botswana's
payment future.

xL Consulting Group builds IPA, the Interoperable Payments API — a real-time switching platform designed to connect MyZaka, Orange Money, BTC SMega, Access Bank, Stanbic, FNB and Absa Botswana through one integration. Built for regulators. Engineered for scale. Not yet authorised to conduct live testing or onboard customers.

Request a Meeting → Explore IPA ↓
7PSPs
Banks & Wallets in Scope
1API
REST Integration
*177#
USSD Channel · Planned
IPA Switch · Illustration
SIMULATED
MyZaka
Mascom
Orange
Money
BTC
SMega
Stanbic
Bank
FNB
Botswana
Absa
Botswana
Access
Bank
IPA
SWITCH
Last transactions (simulated)
MyZaka → FNB BWP 450.00 P2P
Stanbic → Orange BWP 1,200.00 P2M
SMega → Access Bank BWP 8,750.00 B2P
MyZaka — Mascom Wireless Orange Money — Orange Botswana BTC SMega Access Bank Botswana Stanbic Bank Botswana FNB Botswana Absa Bank Botswana Designed for Supervision MyZaka — Mascom Wireless Orange Money — Orange Botswana BTC SMega Access Bank Botswana Stanbic Bank Botswana FNB Botswana Absa Bank Botswana Designed for Supervision
Flagship Product · 01

IPA — the switch between Botswana's wallets, banks and merchants.

Pre-launch v1.0 · 2026
Interoperable Payments API
A real-time payment switching platform that lets any participating bank, wallet, merchant or employer move money to any other — over one REST API, one settlement rail and one regulatory dashboard.
01 / TRANSACTION TYPE
P2P Retail Transfers
Person-to-person transfers designed to work across every participating provider, within per-customer limits set by KYC tier. For everyday wallet-to-wallet, wallet-to-bank, and bank-to-wallet transactions. Completed in seconds; settled between providers at end of day.
02 / TRANSACTION TYPE
P2M Merchant Payments
Customer wallet to merchant account, regardless of which PSP either holds. Merchants integrate once and accept payment from every wallet and bank in Botswana.
03 / TRANSACTION TYPE
B2P Bulk Disbursements
Corporate payroll, supplier payments and grants — one payment file, every employee credited to their preferred wallet or account on payday. With reconciliation built in.
Compliance & Supervision
  • AML Engine
    8 composite detection rules running on every transaction — velocity thresholds, structuring patterns, sanctions screening and behavioural anomaly scoring.
  • Regulatory Dashboard
    A read-only supervisory view designed for the Bank of Botswana — the transaction register, supervisory statistics, and an access log that records every read.
  • Audit Trail
    Immutable logs of every API call, settlement event and rule trigger.
  • Hosting
    All processing and storage in AWS af-south-1 (Cape Town, South Africa).
Engineering Stack
  • BackendFastAPI · Python
  • DatabasePostgreSQL 16
  • Cache & QueueRedis
  • CloudAWS af-south-1
  • MNO RailsDirect · Mascom · Orange · BTC
  • InfrastructureTerraform · IaC
  • API SurfaceREST · JSON
  • ChannelsApp · Web · USSD *177#
Built For Three Audiences · 02

Whether you regulate, route or pay — IPA was designed with you in mind.

Botswana's payment ecosystem has three constituencies who need interoperability to work. IPA is engineered to serve all three without compromise — supervisory transparency for the central bank, sustainable economics for PSPs, and operational reliability for corporate clients.

AUDIENCE / 01BoB · Regulators
For Supervisors

A switch you can see inside.

Visibility into every transaction routed through IPA, with compliance engineering built into the transaction path and designed around NPS Act and AML/CFT obligations.

  • Read-only supervisory view — transaction register, statistics, access log
  • AML engine with 8 composite rules — velocity, structuring, sanctions, behaviour
  • Full audit trail and immutable logs
  • Hosted in AWS af-south-1 (Cape Town)
  • Engaged with the Bank of Botswana Regulatory Sandbox process
Briefing for regulators →
AUDIENCE / 02PSP Partners
For Banks & Wallets

A new revenue rail, not a cost centre.

IPA's commercial model is built around PSP profitability. The switch earns only when you do — and our economics are designed so that interoperability grows your revenue per customer, not the other way around.

  • Revenue share on every retail transaction routed through the switch
  • One REST API integration unlocks five counterparty PSPs
  • Same-provider transfers protected — your existing wallet economics stay intact
  • USSD channel via *177# extends reach to feature-phone users
  • P2M and B2P unlock new merchant and corporate revenue streams
  • Full commercial terms shared under NDA after introductory call
Become a PSP partner →
AUDIENCE / 03Corporate · B2P
For Employers

Payroll that lands in every employee's wallet.

Stop maintaining seven payment files. Submit one bulk disbursement and every employee — banked or unbanked — receives funds on their preferred provider on payday.

  • Single file, six destinations — every major PSP in Botswana
  • Reach employees on mobile money or any commercial bank
  • Auto-reconciliation against employee records
  • Volume-based pricing tailored to your monthly payroll size
  • Same-day settlement, full audit trail, PCI-grade security
Solve our payroll →
BW
Regulatory engagement Botswana · 2026
“IPA is being developed through engagement with the Bank of Botswana Regulatory Sandbox — the formal pathway for innovations that materially advance the national payments system. xL is not yet authorised to conduct live testing or onboard customers.”
Stage
Pre-launch
As of
September 2026
Jurisdiction
Botswana
Framework
National Payment Systems Act
Why xL · 03

A serious operator, built for trust.

xL Consulting Group is a Botswana-registered fintech founded to solve domestic payment fragmentation through engineering, regulation and partnership. We do not move money outside the regulator's line of sight — and we do not ship product faster than the law allows.

  • 01
    Regulator-first design. Built inside the BoB sandbox, not retrofitted afterwards. Every transaction is observable, every rule is auditable.
  • 02
    Seven providers, one integration. We bridge three mobile money operators and four commercial banks — not in theory, in production-ready code.
  • 03
    Economics aligned with the ecosystem. PSPs share in transaction revenue. Corporates get volume-based pricing. End-users pay genuinely affordable rates. The switch only succeeds if every participant does.
  • 04
    Engineered in Botswana, hosted in Africa. FastAPI, PostgreSQL, Redis, AWS af-south-1. Data stays on the continent.
Request a Meeting · 04

Let's talk about making it interoperable.

Whether you supervise the payments system, operate a PSP, or run a payroll for hundreds of employees — book a confidential conversation with our CEO. We respond within one business day.

CEO
Axl Keabetswe Baipaakanyi
Email
axl.baipaakanyi@xl-consulting-group.com
Phone
+267 723 06377
Office
Plot 75472, Gaborone, Botswana
Web
www.xl-consulting-group.com
Send a message
Confidential · One business day reply