Inclusive Instant Payment Systems (IIPS) are revolutionizing financial ecosystems by enabling real-time, low-cost, and accessible payment solutions. They play a crucial role in bridging socioeconomic gaps, driving financial inclusion, and fostering economic growth. This chapter examines the evolution of IIPS in the Maghreb (Morocco, Algeria, Tunisia, Mauritania, and Libya), comparing their progress with the Mashriq (Egypt), West Africa (Côte d’Ivoire), and Anglophone Central Africa (Kenya, Ghana, and Nigeria). The transformative roles of Embedded Finance and Open Finance in advancing IIPS are explored, with an emphasis on their ability to enhance interoperability, support financial innovation, and empower underserved populations. Case studies from leading markets, such as M-Pesa in Kenya and Meeza in Egypt, provide actionable insights into scaling IIPS. Additionally, the analysis highlights the rise of super apps and their role in integrating financial services with e-commerce and other digital ecosystems. By addressing regional disparities, regulatory challenges, and technological barriers, this chapter provides a roadmap for policymakers, investors, and financial service providers to accelerate the adoption of IIPS in emerging markets. Practical recommendations focus on fostering collaboration, enhancing infrastructure, and leveraging Open Finance to unlock the potential of inclusive digital ecosystems.