The HiPipo Include Everyone program is implemented with generous support from the Bill and Melinda Gates Foundation with partnership from FinTech stakeholders, ModusBox, Mojaloop Foundation, Ideation Corner, and Crosslake Technologies. And there was more: as is part of the HiPipo agenda, best practices and technology were also promoted. It was during this initiative that interoperability- which is the very essence of barrier-free real-time retail digital payment systems, was introduced. Furthermore, and in service to interoperability, HiPipo shared the Level One Project Principles and the Mojaloop Open Source Framework, which when used and/or referred to in tandem do cover all bases from the developer to the user side.