This is a 20 Kwacha banknote from Malawi, issued by the Reserve Bank of Malawi. The note features a portrait of Inkosi ya Makhosi M’mbelwa II (Lazalo Mkhuzo Jere), a respected traditional leader. It also includes images of a fish, a building, and security features like watermarks and color variations for authentication. The note is dated January 1, 2020, and is part of Malawi’s currency system.