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.
Our programs
Education & incubation for Tunisian fintech
Two tracks, one goal: building real fintech capability in Tunisia. Training built on operational examples, and hands-on support for early-stage ideas.
Education programs
Courses built on real, operational fintech examples, for individuals and teams who want to move from theory to practice.
01
Digital payments fundamentals
How mobile wallets, QR payments and payment rails work, and how to build on top of them in Tunisia.
02
RegTech & compliance
KYC, AML and regulatory reporting essentials for teams working with the BCT framework.
03
Digital banking foundations
Core banking modernisation, digital onboarding and the move away from legacy infrastructure.
04
Fintech for founders
A practical crash course on building and funding a fintech startup in the Tunisian regulatory context.
Practical, cohort-based learning
Each program runs in small cohorts so participants get real feedback, not just lectures. Sessions mix short instruction with case studies drawn from Tunisian and regional fintech companies. Programs are open to individuals and company teams.
FormatCohort-based: small groups, real case studies, direct feedback.
Who it's forFrom first-time founders to compliance teams at established banks.
Next stepContact us to check upcoming session dates.
Incubation
Our incubation track is built around Tunisia's real regulatory environment rather than a generic startup playbook.
Incubation program
Hands-on support for early-stage fintech ideas, from first prototype to a first pilot with a financial institution.
Regulatory sandbox liaison
Help preparing for the Central Bank of Tunisia's fintech sandbox and finding the right contacts.
Community events
Meetups, demo days and panels that bring founders, banks and investors into the same room.
From idea to pilot
- 1Apply
Tell us about your idea or early product via the contact form.
- 2Review
We assess fit, regulatory readiness and potential partners.
- 3Incubate
Mentoring, sandbox support and introductions through to a pilot.
We prioritise ideas that address the country's biggest gaps: financial inclusion, payments infrastructure and credit for the underserved.
Interested in a program?
Tell us which track you're interested in and we'll get back to you.
Background reading
Funding
How to Raise Funding as a Tunisian Fintech: A 2026 Guide
From 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.
Ecosystem
Tunisia Incubators and Accelerators for Fintech Founders
From Flat6Labs' seed tickets to bank-run labs and Visa's African fintech accelerator: where Tunisian fintech founders can find support, and how to choose.