Status
PILOT
Program Snapshot
Current status fields and timeline data from the profile record.
Type
RETAIL
Program classification
Wallets
Not listed
Annual Volume
Not listed
Status and Timeline
| Field | Value |
|---|---|
| Announced | 2019-11-25 |
| Pilot start | 2022-01-01 |
| Launch | Not listed |
| Last verified | 2026-04-18 |
Availability
- Retail
- pilot
- Wholesale
- none
Central Bank
Bank of Ghana
Technical Profile
| Attribute | Value |
|---|---|
| Type | Retail |
| Architecture | two-tier |
| Access model | token based |
| Technology base | dlt |
| Legal tender | none |
Capabilities
offline payments: Yes
programmability: No
cross border: No
interest bearing: No
transaction limits: Yes
Cross-Border Projects
No cross-border project entries are listed for this profile.
Recent Updates
According to the Bank of Ghana, the e-Cedi is a retail token-based CBDC designed to enhance financial inclusion and digitize the economy. A pilot was conducted from January to April 2022 with 2,750 participants in Accra, Tarkwa, and Sefwi Asafo, testing both online and offline use cases per the Bank of Ghana's eCedi Report. The pilot demonstrated offline functionality using NFC technology to address connectivity limitations in rural areas. The Bank of Ghana published The eCedi Report in October 2024, documenting pilot findings. An e-Cedi Hackathon was held December 2023 with 88 applicants and 10 finalists showcasing solutions for agriculture, government payments, and business transactions. In October 2024, the e-Cedi won the Innovation in Digital Currency Design for Financial Inclusion award. Governor Ernest Addison affirmed commitment to launch before end of 2026, with Head of Fintech Kwame Oppong indicating a retail launch target of end 2025 contingent on enabling legislation. The Bank of Ghana reaffirmed commitment at the Cedi @ 60 International Currency Conference in November 2025.
Updated: Mar 28, 2026
Frequently Asked Questions
Does Ghana have a CBDC?
According to listed sources, Ghana is developing Ghana e-Cedi (Digital Cedi), currently in pilot phase.
What is the current status of Ghana's CBDC?
Ghana e-Cedi (Digital Cedi) is in pilot phase as of 2026-04-18.
When did Ghana start CBDC pilot activity?
Pilot activity is listed from 2022-01-01.
How many users or wallets are reported for Ghana's CBDC?
Wallet metrics are not listed in the current dataset.
Is Ghana's CBDC retail, wholesale, or hybrid?
Ghana e-Cedi (Digital Cedi) is categorized as retail.
Which institution manages Ghana e-Cedi (Digital Cedi)?
Ghana e-Cedi (Digital Cedi) is managed by Bank of Ghana.
Related CBDCs
Sources
Sources
Last verified: 2026-04-18
Bank of Ghana
central bank
eCedi Design Paper - Bank of Ghana
central bank
The eCedi Report - Bank of Ghana Pilot Results
central bank
Governor's Speech - eCedi Hackathon - Bank of Ghana
central bank
BoG affirms commitment to launch e-Cedi before 2026 - NBC
news
Ghana to launch CBDC the eCedi in 2025 - Mariblock
news