Нигериялык CBDC капчыкты жаңыртуу коммуналдык төлөмдөрдү иштетүү үчүн, USSD функциясы кошулат

The Nigerian central bank digital currency (CBDC) wallet app is set for an update that will see users given the ability to pay for utilities like pay television and for topping up airtime. The addition of the unstructured supplementary service data (USSD) functionality to the wallet app means people without bank accounts will be able to make payments using the CBDC.

The Update Process

The wallet app for Nigeria’s central bank digital currency, the e-naira, is set to undergo an update that will see users being able to pay for regular utilities like pay television and airtime top-up, an official with the bank has reportedly said.

According to a Nairametrics билдирүү that quotes the official — Yusuf Abdul Jelil — the Central Bank of Nigeria (CBN) will initiate the upgrade process by sending a message to users asking them to update the wallet app. Designated the CBN’s e-naira presentative, Jelil made the remarks while attending an event at Kairo Market in Oshodi, Lagos.

“Any moment from now, there is an update coming, you will get a message on your app directing you to update your eNaira speed wallet. Once you update, those services you are asking for will be there whereby you can pay for DSTV, buy a recharge card, pay for airfare and so on,” the CBN representative said.

In the meantime, Jelil also is quoted in the report revealing how the CBN’s plan to add the USSD functionality to the wallet opens the door for non-account holders to use the CBDC. According to one financial specialist and блоггер, USSD may be the best available technology that can be used to deliver mobile financial services to low-income customers.

USSD 997

Despite the CBN’s initial claims that the e-naira would be beneficial to the financially excluded, the central bank’s CBDC did not come with the USSD functionality. Having no USSD functionality means the e-naira is being used by those with access to financial services already. However, by adding the USSD code 997, the CBN is making it possible for those without bank accounts to use the CBDC.

Meanwhile, Obinna Umeh, the secretary of the Oshodi Market Union, is quoted in the report commending the central bank’s decision to inform Nigerians about the upcoming update. He said prior to Jelil’s latest communication, traders had been inundated with fake wallet app alerts.

“The CBN couldn’t have come at a better time to educate us about e-Naira; there’s almost no day we don’t have to settle disputes about fake alerts, times that we could channel into more productive things,” Umeh is quoted explaining.

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