Market Structure, Data Localisation, UBO Disclosure and Systemic Oversight in the Payments System

Central Bank of Nigeria Circular
Summary

Reinforces ultimate beneficial ownership disclosure for significant shareholders of payments participants, data localisation requirements, market-share concentration monitoring on a rolling 12-month basis, and systemic oversight of the payments ecosystem. Full compliance with market structure requirements by 31 December 2026; supervisory sanctions for breach.

Applicability

DMBs, PSPs, switches, MMOs, PSSPs, IMTOs and digital payments operators.

Open Source Document ↗
Document Details
Date Issued
15 Jun 2026
Date Effective
15 Jun 2026
Compliance Deadline
31 Dec 2026
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