xL Consulting Group is a private fintech company incorporated in the Republic of Botswana. We build infrastructure that connects the country's banks and mobile money operators to one another — under the supervision of the Bank of Botswana, and on the technical and regulatory terms required by both.
We are not an offshore vehicle, not a reseller, not a sales presence for foreign technology. xL Consulting Group (Pty) Ltd is a private company incorporated under the laws of the Republic of Botswana, with its registered office in Gaborone and its operating staff in-country.
Anything we build, ship or settle is governed by Botswana law and supervised by Botswana institutions. That is by design — interoperability is a national infrastructure problem, and national infrastructure should be operated by entities the regulator can hold to account.
A worker paid in Mascom's MyZaka cannot, today, send money instantly to a small trader who accepts only Orange Money. A corporate that pays salaries into Stanbic and FNB and Absa accounts must maintain three separate payment files. A merchant who chooses one wallet excludes the customers of every other wallet.
This is not a uniquely Botswana problem — but it is a solvable Botswana problem, and one that the Bank of Botswana has signalled is a national priority through the modernisation of the National Payment System.
xL was founded to build the missing piece: a real-time switching platform that lets any participant move money to any other, over one REST API, with one settlement rail, and one regulatory dashboard. We call it IPA — the Interoperable Payments API.
The thesis is not novel. Switches like UPI in India, Pix in Brazil and InstantEFT in South Africa have shown what becomes possible when payment rails are opened up at the retail layer. The work is in adapting that pattern to the institutional, technical, and economic realities of Botswana — and doing it in a way the central bank can supervise from day one.
Financial infrastructure is not built by anonymous teams. Every interaction xL has with the regulator, with a PSP partner, or with a corporate client traces back to a named, accountable principal — and at this stage of the company, that principal is the CEO.
For substantive briefings — whether you're a supervisor preparing a sandbox milestone, a PSP evaluating partnership, or a corporate considering payroll — you will be speaking directly with the CEO. We don't route the first conversation through gatekeepers.
The most credible thing a payments company can do is demonstrate, in advance, that it understands the regulatory environment it operates in. The four pillars below are the explicit operating posture of xL Consulting Group — chosen before we wrote a line of production code.
xL Consulting Group is currently engaged with the Bank of Botswana Regulatory Sandbox, the framework through which the central bank assesses innovations that materially advance the National Payment System.
The sandbox is not a workaround. It is the formal mechanism by which a fintech and its regulator co-develop the operational and compliance arrangements that any production-scale system will need. We chose this pathway deliberately — interoperable retail payments are systemically significant, and infrastructure of this kind should never be shipped without supervisory line of sight.
The sandbox is one phase of a longer programme. The intended trajectory is from eligibility assessment, through live testing under controlled parameters, toward the regulatory authorisations that production operation will require.
These are not values posters. They are the engineering and commercial constraints we work within — written down so that partners, supervisors and our own team can hold us to them.
Whether you supervise the national payment system, operate a PSP, or run a payroll for a Botswana corporate — every meaningful conversation we have starts with a one-to-one briefing with the CEO. Same business day reply.