Company — Legal framework
Built forAlgerian law
Money, identity, commerce and personal data each have their law in Algeria. The platform is designed around them — and every text is named here, with what it governs and a link to the page of the official gazette where it begins.
01 — Payments
Real time, not overnight.
Person to person, business and merchant payments settle as they happen — not gathered into a nightly batch and cleared the next working day.
Law · 2023
23-09
Monetary and banking law
The law that governs money and credit in Algeria: the Banque d'Algérie, the banks and financial establishments, and the payment services they provide.
Made 21 June 2023
Regulation · 2025
25-02
Payment service providers · Banque d'Algérie
The Banque d'Algérie's rules for the authorisation, licensing and operation of payment service providers.
Made 14 April 2025
Law · 2018
18-05
Electronic commerce
The general rules for electronic commerce: what anyone selling online owes the buyer, how a contract is made on a screen, and how it is paid for.
Made 10 May 2018
02 — Identity
Proved once, trusted after.
A person or a business proves who they are once — document, face and signature — and every service on the platform can rely on it after.
Law · 2015
15-04
Electronic signature and certification
The general rules for electronic signature and certification: when a signature made electronically carries legal weight, and who may certify it.
Made 1 February 2015
03 — Compliance
Regulatory-ready by construction.
Anti-money-laundering checks, risk scoring and an audit trail run inside each transaction, rather than being reconciled after it.
Law · 2005
05-01
Money laundering and terrorist financing
The prevention of and fight against money laundering and terrorist financing: the duties of vigilance, verification and reporting that fall on those who handle funds.
Made 6 February 2005
Amended by · 2023
Law no. 23-01
Amends law no. 05-01. Made 7 February 2023.
04 — Algeria
Where it is being built.
Built in Algeria, for Algeria. Personal data stays under Algerian law, and leaves the country only with the national authority's authorisation.
Law · 2018
18-07
Protection of personal data
The protection of individuals in the processing of their personal data, overseen by a national authority — whose authorisation a transfer abroad requires (article 44).
Made 10 June 2018
Amended by · 2025
Law no. 25-11
Amends law no. 18-07. Made 24 July 2025.
05 — Reading the texts
What this page is, and isn't.
Six texts, two of them with the amendments that changed them. A note on how they are set out here, and on what naming them means.
The official text
Every link opens the Journal Officiel of the République Algérienne — the official gazette — in its French edition, at the page where the text begins.
Amendments
An amendment is set under the law it amends rather than on its own, because the number a reader will look up is the original's.
Not a licence
These name the framework Pixely is built for; they are not a licence or a certification. Pixely is not a bank, and is not an authorised electronic money institution.
06 — Get in touch
Talkto us
Ask how the platform is designed around these texts, or about building your own service on it.