Ecosystem
Tunisia's Startup Act Explained: What Fintech Founders Get
The 2018 Startup Act brings real tax, social-security and foreign-currency benefits. Here is who qualifies, what you get and why the label is not a fintech licence.
Independent fintech publication · Tunis
Tunisia's fintech ecosystem, decoded.
Sourced, bilingual reporting on the startups, regulation, payments and money flows shaping fintech in Tunisia and across Africa.
Tunisian fintech in four numbers
37.8%of Tunisian adults had an account in 2024World Bank Global Findex, 2025512,000active mobile wallets, first half of 2026 (+16.4%)BCT Payments Bulletin No. 17, 20261,352startups labelled since 2018 (July 2026)Mosaïque FM via MENA Startup Digest, 2026$39Mraised by Tunisian startups in 2025 (17 deals)AVCA via African Manager, 2026
Reference tools
Two resources we keep up to date.
27companiesFintech directory
Wallets, payment institutions, lenders, insurtechs and banking software, with licences and funding.
Open 3.37EUR → TND · mid-market rate, updated dailyMoney transfer comparatorSee how much your family receives in dinars with each provider, once fees and exchange-rate margins are counted. Independent and sorted by what arrives, never by commission.
Open 34texts · 6 pendingRegulation trackerLaws, BCT circulars and bills that affect fintech, and where each one stands.
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Regulation
The BCT Regulatory Sandbox: How Tunisia Tests Fintech
Launched in 2020, the Central Bank of Tunisia's sandbox lets fintechs test products with real users under supervision. Here is what it has done so far, and what it cannot do.
Payments
Cheapest Way to Send Money to Tunisia in 2026
Sending €140 to Tunisia cost anywhere from under 1% to over 28% in the World Bank's latest survey. Here is what was cheapest from France and Italy, what we know about Germany, and how to pay less.
Banking
AI in Tunisian Banking: Real Uses, Rules and Gaps
Chatbots, remote identity checks and credit scoring are the first AI uses in Tunisian banks. There is no AI-specific rulebook yet, and that cuts both ways for founders.
Financial inclusion
Tunisia's Cash Economy: Record Banknotes, Fading Cheques
More than TND 30 billion in banknotes and coins now circulate in Tunisia, a record. The cheque reform, informality and low bank account ownership explain why the cashless push is struggling.
Funding
ANAVA Fund of Funds Explained: Tunisia's VC Engine
Backed by the World Bank, CDC and KfW, the ANAVA fund of funds is behind most seed capital in Tunisia. Here is how it works and who it backs.
Start here
New to the Tunisian fintech ecosystem? These four guides give you the essentials.
- 01Tunisia Fintech Ecosystem Map: Who's Who in 2026From the BCT to Ooredoo's new payment institution, Konnect and the ANAVA fund of funds: a practical map of who does what in Tunisian fintech.
- 02Tunisia Fintech Key Numbers: Accounts, Cards, Mobile, CashFewer than four in ten adults have an account, mobile payments grew 80% in 2025, and cash keeps rising. The essential, sourced figures on Tunisian fintech.
- 03Tunisia's Startup Act Explained: What Fintech Founders GetThe 2018 Startup Act brings real tax, social-security and foreign-currency benefits. Here is who qualifies, what you get and why the label is not a fintech licence.
- 04How to Raise Funding as a Tunisian Fintech: A 2026 GuideFrom the Startup Act label to Series A, a step-by-step guide to raising money as a Tunisian fintech, with real ticket sizes and pitfalls.
Across Africa
What Tunisia can learn from the continent's fintech leaders.
Africa
AfCFTA, Digital Trade and Cross-Border Payments in Africa
Africa adopted a Digital Trade Protocol in 2024 with annexes on payments, data and fintech. It is not yet in force. Here is what it covers and why Tunisia should care.
Africa
African Fintech Funding 2025–2026: Debt, Megadeals, Fewer Deals
African tech funding recovered in 2025, but fintech's share is shrinking, debt is rising and deal counts hit new lows in H1 2026. Here is what the numbers say.
Africa
Africa's Fintech Unicorns: Moniepoint, OPay, Wave and More
Almost every African unicorn is a fintech. Who they are, how reliable their valuations are, and why none of them is Tunisian.