Create an open-source, ISO-compliant interoperability layer — the OpenMoney Protocol — that mandates all mobile money operators expose a standardized REST API for cross-network transfers.

Governed by a multi-stakeholder consortium (central banks, MNOs, civil society), the protocol enforces sub-1% fee caps, real-time settlement via a neutral clearing house, and open-source reference implementations for smaller operators who cannot build in-house. A developer grant programme seeds 500+ local fintech integrations in Year 1.