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Yet today, billions of people—particularly in the world’s poorest countries—are excluded from a formal economy and miss out on the many advantages these financial systems offer.</p> <p>We need to change this. And thanks to the rapid rise of digital payment systems, as well as the ubiquity of mobile technology, we now have the power to build upon existing infrastructure within individual countries to address this inequality.</p> <p>If we do, it’s in everyone’s best interests. It will help billions take a step toward financial stability and advance the goals of those in a position to make a difference: bankers, mobile operators, payment technology companies, government regulators and more.</p> <p>Now is the time to build on lessons learned, leverage available resources, and strive to create easy, secure digital financial systems that benefit everyone.</p> <hr class="wp-block-separator"/> <h2 class="has-text-align-center wp-block-heading">The Level One Project proposes a new low-cost payments system that supports inclusive, interoperable digital payments.</h2> <p>The Level One Project is a <strong><em>vision</em></strong> for a new, real-time digital payments platform that supports this system; a <em><strong>blueprint</strong></em> for how such a platform could be configured within a country; and a <em><strong>set of tools and resources </strong></em>to enable the implementation of a Level One Platform.</p> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <h3 class="wp-block-heading">DESIRED OUTCOMES WITH A LEVEL ONE SYSTEM</h3> <ul class="wp-block-list"><li><strong>Financial Access: </strong>To transaction accounts</li><li><strong>Digital Liquidity: </strong>Use of accounts to make and receive payments in lieu of cash</li><li><strong>Financial Enablement: </strong>Access to other financial services</li><li><strong>A Dynamic Digital Ecosystem: </strong>Full participation in the digital economy</li></ul> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <h3 class="wp-block-heading">USER REQUIREMENTS SUPPORTED BY LEVEL ONE</h3> <ul class="wp-block-list"><li><strong>Secure: </strong>Money and data is safely held</li><li><strong>Affordable: </strong>Cost is acceptable in comparison to available alternatives</li><li><strong>Open:</strong> Anyone can enroll and send money or receive money from anyone else</li><li><strong>Robust: </strong>There when you need it</li></ul> </div> </div> <hr class="wp-block-separator is-style-wide"/> <h3 class="has-text-align-center wp-block-heading">The Level One Model and Key Use Cases</h3> <p>Watch the videos below to learn more about the model we’ve developed for a country-level, digital financial services system that is designed to bring the poor into the formal economy. For more detailed information, take a look at the <a href="https://www.leveloneproject.org/project_guide/03-welcome-to-the-2019-guide/" target="_blank" rel="noreferrer noopener">Level One Project Guide</a>.</p> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <figure class="wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio"><div class="wp-block-embed__wrapper"> <iframe title="Video 1 – Level One Project Overview: A Guide for a Digital Payments System" width="840" height="473" src="https://www.youtube-nocookie.com/embed/g6JjO3pPdRo?feature=oembed&enablejsapi=1" frameborder="0" allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe> </div></figure> <p></p> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <figure class="wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio"><div class="wp-block-embed__wrapper"> <iframe title="Video 2 – Getting Started: Bulk Payments, Account Creation & Account Management" width="840" height="473" src="https://www.youtube-nocookie.com/embed/4FcWmpvGFvc?feature=oembed&enablejsapi=1" frameborder="0" allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe> </div></figure> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <figure class="wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio"><div class="wp-block-embed__wrapper"> <iframe title="Video 3 – Day-to-Day Transactions: Purchases, Transfers & Cash Transactions" width="840" height="473" src="https://www.youtube-nocookie.com/embed/vqet_aWFIpU?feature=oembed&enablejsapi=1" frameborder="0" allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe> </div></figure> </div> </div> <hr class="wp-block-separator is-style-wide"/> <h3 class="has-text-align-center wp-block-heading">Mojaloop: The Level One Prototype</h3> <p>Launched in 2017, Mojaloop is a reference model of the Level One Project’s core principles, which include interoperability between services, low fees for customers, and collaboration to lower costs and accelerate growth. Visit the <a rel="noreferrer noopener" href="http://mojaloop.io" target="_blank">Mojaloop website </a>to learn more.</p> <figure class="wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio"><div class="wp-block-embed__wrapper"> <iframe title="Mojaloop: Open-Source Software for Opening Up Economies" width="840" height="473" src="https://www.youtube-nocookie.com/embed/hEa1-Ra5R1g?feature=oembed&enablejsapi=1" frameborder="0" allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe> </div></figure> <hr class="wp-block-separator is-style-wide"/> <h3 class="has-text-align-center wp-block-heading">Latest Announcements</h3> <div class="announcement-list"> <h3></h3> <div class="announcement-list__content"> <div class="announcement-list__item"> <h4 class="announcement-list__item-title"><a href="https://www.leveloneproject.org/announcements/new-research-by-caribou-digital-and-the-dfs-lab-predicts-implementation-of-the-level-one-principles-will-benefit-women-and-help-close-the-gender-gap/">New research by Caribou Digital and the DFS Lab predicts implementation of the Level One Principles will benefit women and help close the gender gap</a></h4> <div class="announcement-list__item-date">February 11, 2021</div> </div> <div class="announcement-list__item"> <h4 class="announcement-list__item-title"><a href="https://www.leveloneproject.org/announcements/new-gsma-interoperability-test-platform-is-live/">New GSMA Interoperability Test Platform is Live</a></h4> <div class="announcement-list__item-date">July 1, 2020</div> </div> <div class="announcement-list__item"> <h4 class="announcement-list__item-title"><a href="https://www.leveloneproject.org/announcements/introducing-the-mojaloop-foundation/">Introducing the Mojaloop Foundation</a></h4> <div class="announcement-list__item-date">May 6, 2020</div> </div> </div> </div> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"></div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"></div> </div> <p></p> </div> </div> <div class="l-postscript"> <div class="l-constrain"> </div> </div> </main>  <footer class="l-footer" role="contentinfo"> <div class="l-constrain--footer"> <ul class="menu menu--footer"> <li class="menu__item"> <a class="menu__link" href="https://www.leveloneproject.org/contact/">Contact Us</a> </li> <li class="menu__item"> <a class="menu__link" href="https://www.gatesfoundation.org/Terms-of-Use">Terms of Use</a> </li> <li class="menu__item"> <a class="menu__link" href="https://www.gatesfoundation.org/Privacy-and-Cookies-Notice">Privacy and Cookies Notice</a> </li> <li class="menu__item"> <a class="menu__link" href="https://www.gatesfoundation.org/How-We-Work/General-Information/Reporting-Scams">Be Aware of Fraudulent Activity</a> </li> </ul> <div class="copyright"> © <span>2015-2025</span> <span>Bill & Melinda Gates Foundation. 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