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Achieving a Level Playing Field


DIGITAL FINANCIAL SYSTEMS THAT BENEFIT EVERYONE


AN INITIATIVE OF THE BILL & MELINDA GATES FOUNDATION


THE LEVEL ONE PROJECT IS FOCUSED ON HELPING THE PUBLIC AND PRIVATE SECTORS
DEVELOP PRO-POOR, DIGITAL FINANCIAL SERVICES AND MARKETS THAT WORK FOR ALL. OUR
GOAL IS FOR EVERY COUNTRY IN THE WORLD TO HAVE ONE INCLUSIVE, INTERCONNECTED,
DIGITAL ECONOMY.

Everyone benefits from an economy that includes everyone. 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.

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.

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.

Now is the time to build on lessons learned, leverage available resources, and
strive to create easy, secure digital financial systems that benefit everyone.

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THE LEVEL ONE PROJECT PROPOSES A NEW LOW-COST PAYMENTS SYSTEM THAT SUPPORTS
INCLUSIVE, INTEROPERABLE DIGITAL PAYMENTS.

The Level One Project is a vision for a new, real-time digital payments platform
that supports this system; a blueprint for how such a platform could be
configured within a country; and a set of tools and resources to enable the
implementation of a Level One Platform.


DESIRED OUTCOMES WITH A LEVEL ONE SYSTEM

 * Financial Access: To transaction accounts
 * Digital Liquidity: Use of accounts to make and receive payments in lieu of
   cash
 * Financial Enablement: Access to other financial services
 * A Dynamic Digital Ecosystem: Full participation in the digital economy


USER REQUIREMENTS SUPPORTED BY LEVEL ONE

 * Secure: Money and data is safely held
 * Affordable: Cost is acceptable in comparison to available alternatives
 * Open: Anyone can enroll and send money or receive money from anyone else
 * Robust: There when you need it

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THE LEVEL ONE MODEL AND KEY USE CASES

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
Level One Project Guide.



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MOJALOOP: THE LEVEL ONE PROTOTYPE

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
Mojaloop website to learn more.



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LATEST ANNOUNCEMENTS

MOJALOOP PI-14 OSS ONLINE COMMUNITY MEETING TECHNICAL SESSIONS: APRIL 27-29

April 21, 2021

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

February 11, 2021

MOJALOOP ONLINE PI-13 OSS COMMUNITY MEETING: JANUARY 25-29

January 19, 2021





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© 2015-2023 Bill & Melinda Gates Foundation. All rights reserved.
The Level One Project is an initiative of the Bill and Melinda Gates Foundation.


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