This reduces waiting time and, potentially, the risk of fraud or disputes related to traditional transfer delays (which could take days), improving fluidity

PI-SPI is an instant and interoperable payment system available continuously, 24/7, in the eight countries of the UEMOA.
Instantaneity and Continuity: Payments are processed in less than 10 seconds, and the service is available at any time.
Interoperability: It allows anyone, whether they have a bank account, a microfinance account, or an electronic money account (Mobile Money), to make payments to a beneficiary, regardless of their service provider, as long as they are connected to the platform.