IMF CBDC.
Over 130 countries representing 98% of global GDP are now exploring Central Bank Digital Currencies. The IMF's CBDC Virtual Handbook provides the authoritative framework for this transformation, covering everything from monetary policy implications to technology architecture and cross-border interoperability.
AfriVest's stablecoin and payment infrastructure is architected to serve as a distribution layer, identity provider, or interoperability bridge for national CBDC implementations across Africa. As central banks move from research to pilot to production, AfriVest provides the ready-made infrastructure that connects CBDCs to real economic activity, cooperative payments, cross-border settlement, and financial inclusion for the roughly four in ten adults in Sub-Saharan Africa without a financial account (World Bank Findex, 2025).
How CBDC Architecture Works
A structured, standards-based flow, designed to align with IMF CBDC at every step.
Issuance Layer
The central bank issues CBDC as a direct liability, maintaining monetary sovereignty and control over money supply. AfriVest can serve as the technology provider for this issuance layer.
Distribution Layer
Licensed intermediaries (banks, fintechs, cooperatives) distribute CBDC to end users. AfriVest's cooperative network provides distribution to ~46M members across rural and urban Africa.
Identity Layer
Every CBDC wallet requires identity verification. AfriVest's Self-Sovereign Identity system provides tiered KYC, from basic wallets (phone number) to full institutional accounts (biometric + document).
Transaction Layer
CBDC enables instant, zero-cost domestic payments. AfriVest's infrastructure supports offline transactions, QR payments, and NFC, critical for areas with limited connectivity.
Interoperability Layer
The IMF emphasizes cross-border interoperability between CBDCs. AfriVest's multi-currency stablecoin bridge enables seamless conversion between different national CBDCs.
The core tenets of the standard.
The principles that define IMF CBDC, and how AfriVest is designed to align with them.
Monetary Sovereignty
CBDCs must preserve central bank control over monetary policy, including money supply, interest rates, and exchange rate management, while enabling digital innovation.
Financial Inclusion
CBDC design must prioritize reaching the unbanked, through tiered KYC, offline capability, and integration with existing mobile money infrastructure.
Privacy by Design
Balance user privacy with regulatory transparency, implementing tiered privacy where small transactions have cash-like anonymity while large transfers require full identification.
Interoperability
CBDCs must be designed for cross-border settlement, using common standards, multi-currency bridges, and atomic swap mechanisms.
Financial Stability
CBDC deployment must not destabilize the banking system, managing disintermediation risk through holding limits, tiered remuneration, and gradual rollout.
Technology Neutrality
The framework is technology-agnostic, whether DLT-based, centralized database, or hybrid, focusing on outcomes rather than prescribing specific architectures.
IMF CBDC Distribution Architecture
How AfriVest serves as the distribution and identity layer for African CBDCs
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Infrastructure aligned with this standard.
AfriVest solution layers designed to align with IMF CBDC.
Explore the full compliance framework.
AfriVest is designed to align with a broad set of international standards. Explore the others across the framework.