Today, as in the past, financial transactions in the banking system face enormous difficulties, including systemic segmentation and isolation, high transfer fees, and the unavailability of liquidity in certain amounts and among banks. Even more so now, since Covid-19, it has become increasingly common to use digital transaction methods. Thus, the most digitalized banks are more and more solicited and efficient with three details: Transactions from one bank to another take a lot of time, they are costly and sometimes when they drag on, it is almost impossible to track the level of evolution of the transaction, both for the Sender and the Reciever. All this is even worse when it comes to Africa.