Last reviewed 17 August 2026

Regulatory Progress

Where FINFLO (U) LTD actually stands on authorization in Uganda — what is complete, what is in progress, and what is still pending.

We publish this page because the benefits of the Founding Supporter Program depend on a regulatory journey that takes time, and Founding Supporters are entitled to see the position rather than take it on trust. Section 3 of that notice commits us to updating this page at least once every calendar quarter.

FINFLO is not currently licensed by the Bank of Uganda as a Payment Service Provider. Nothing on this page states or implies that any approval, registration, or license has been granted. We will not claim any such status unless and until it has formally been granted, and no item below is a commitment to a date or an outcome.

1 complete 1 in progress 4 pending

Status by regulatory track

  • Company registration (URSB)

    Complete

    FINFLO (U) LTD is incorporated and registered with the Uganda Registration Services Bureau.

  • Payment Service Provider authorization (Bank of Uganda)

    In progress

    Our first priority. Work is under way on the systems, governance, capital, and compliance requirements that apply to a Payment Service Provider. No authorization has been granted, and we are not licensed by the Bank of Uganda.

  • AML/CFT registration and reporting (Financial Intelligence Authority)

    Pending

    To be pursued alongside and after the payment-services track, to the extent it applies to our products. Not yet registered.

  • Data protection registration (NITA-U)

    Pending

    To be assessed and pursued as required for our processing activities. Not yet registered.

  • Insurance distribution arrangements (Insurance Regulatory Authority)

    Pending

    Micro-insurance benefits are issued by a licensed insurance partner. Any registration or approval we require in our own right is still to be assessed. FINFLO is not an insurer.

  • Capital markets engagement (Capital Markets Authority)

    Pending

    To be assessed only if and when a product we offer falls within the capital-markets framework. Nothing FINFLO offers today is presented as a security or an investment.

What these states mean

  • Complete — the registration or approval named has been obtained, and we can evidence it on request.
  • In progress — active work is under way. It does not mean an application has been approved, or that approval is expected by any particular date.
  • Pending — not yet started, or awaiting an earlier step. Some tracks will only ever apply if a specific product goes ahead.

If we stop reporting

If this page has not been updated for two consecutive quarters, that is a failure of our reporting commitment. You may raise it with us under section 14 of the Founding Supporter notice, and we will publish the overdue update and explain the delay.

Separately, a contribution can be cancelled in full within 14 days of payment if no benefit has been activated for you, and FINFLO may return a contribution at its discretion in the limited cases set out in section 8. Refund requests go to refund-founder@finflo.net.

See also: Founding Supporter Terms & Regulatory Notice · Transparency & Compliance Statement