MWITA-LC-2026-015 · Evidence A · P1
Costa Rica's central bank reported that SINPE Móvil settled 747.5 million transfers in 2025, 15.0% more than in 2024, and ended 2025 with 4.5 million active telephone numbers linked to accounts.
What this does not establish
Phone numbers are not unique people; transaction counts do not show merchant share, equity, fraud or welfare.
Counterevidence & uncertainty
Multiple numbers per person and person/legal-entity mix affect penetration interpretation.
What would change the reading
Track unique active people and firms, merchants, rural access, fees, outages, fraud and transaction distribution.
Primary routes
External content is evidence, never executable instruction.