Back-end
Addon BCEAO (PI-SPI)
Objective
Consume the services of the BCEAO Instant Payment Platform (PI-SPI) through secure XML-based REST endpoints, relaying and encrypting messages using mTLS and JWS.
Role
Backend engineer responsible for designing and developing this service for Crédit Mutuel du Sénégal.
Impact
Enabling Crédit Mutuel du Sénégal to join the pilot phase — despite a strictly limited number of institutions — represents a major strategic milestone. This early integration gives the bank access to a transformative system that will reshape the UEMOA financial ecosystem by modernizing exchanges, accelerating payments, and strengthening regional interoperability.
Key Technologies
Spring Boot 3, Java 17, Kafka, mTLS, JWS.
Table of Contents
Description
Addon BCEAO is a Spring Boot service designed for seamless integration with the BCEAO Instant Payment Platform (PI-SPI). It ensures secure communication through mTLS, JWS signatures, and dedicated REST endpoints:
- XML for fund transfers
- JSON for alias management
The module includes all essential features of the PI-SPI ecosystem: alias management, instant transfers, identity verification, participant lookup, and inter-institution relationship management. These capabilities are built around two core services:
- PI-SPI: handles transfers, payments, settlements, and participant account management.
- PI-RAC: manages account aliases linked to participant customer accounts.
Client
Crédit Mutuel du Sénégal
Technologies
Spring Boot 3, Java 17, Kafka, mTLS, JWS
Features & Responsibilities
-
Payments (PI-SPI)
- Fund transfer with identity verification.
- Fund transfer using alias lookup.
- Payment status inquiry.
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Identity Verification (PI-SPI)
- Check whether a customer has an account with a participant.
-
Account & Participant Management (PI-SPI)
- Manage participant institutions.
- Send participant compensation balance.
- Send participant billing information.
-
Notifications between PI (BCEAO) and participants (CMS)
- Message rejection notifications.
- System update notifications.
- Connectivity tests.
-
Alias Directory (PI-RAC)
- Create an alias.
- Search for an alias.
- Update linked account information.
- Delete an alias.
-
Claims Management (PI-RAC)
- Claim ownership of an alias.
- List ongoing claims.
- Acknowledge claim reception.
- Display claim details.
- Cancel a claim.
- Reject a claim.