The State Bank of Puntland (SBP) recognizes that a secure, efficient, and modern National Payment System (NPS) is the backbone of Puntland’s financial infrastructure. A well-developed payment system enhances the speed, reliability, and security of financial transactions, driving economic growth and expanding financial inclusion. By enabling seamless transactions for individuals, businesses, and government entities, the NPS will foster a more integrated and accessible financial ecosystem. SBP is committed to the imminent establishment of this system, ensuring a robust framework that supports digital payments, real-time settlements, and broader economic development.