Benin — the annual base shown is a derived estimate, not yet a published bank total (see basis). 14M citizens, 400,000 businesses, FCFA20.5T modelled. The 80/16/3/1 split is constitutional.
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Derived estimate — not a bank fact. DERIVED estimate, not a Benin bank figure. The BCEAO publishes mobile-money value only UEMOA-wide (XOF 160,415 billion in 2024); no Benin-only total is published. This apportions the regional total by Benin's ~12.8% estimated share of UEMOA e-money accounts (residual after other members' BCEAO 2020 shares) - an approximate account-share proxy, not a value figure. Replace if a Benin-specific BCEAO total surfaces.