Yellow Card stablecoin payments infrastructure

Business Profile

Core Value Proposition

Yellow Card provides licensed stablecoin payments infrastructure for treasury management, cross-border payments, and liquidity across emerging markets.

Target Customer

{"Global businesses expanding into Africa and other emerging markets","Fintechs integrating payments and treasury functionality via API","Enterprises seeking cross-border settlement, invoicing, and local currency rails","Developers building fintech, remittance, or e-commerce solutions that require local payment methods"}

Key Differentiator

First virtual assets service provider to be issued a VASP license in Africa, with institutional-grade AML/KYC embedded, and a broad, multi-jurisdiction liquidity and local-payment rails network across 20+ African countries.

Implementation Timeline

Not specified in provided content

Pain Points

1High FX volatility and cost in cross-border remittances and settlements
2Banking delays and inefficient traditional settlement rails
3Difficulty integrating local payment methods (mobile money, local bank transfers) and navigating regulatory/compliance requirements

Key Features

1Treasury Management with Stablecoin liquidity for multi-currency operations
2Payments API enabling disbursements and collections across emerging markets
3Invoice Settlement to pay supplier invoices in major currencies via Stablecoins
4Embedded Widget for white-labeled crypto trading with onboarding/compliance
5On/Off Ramp capabilities and local payment rails (bank transfers, mobile money) across 20+ African countries

Target Customer Industries

Client Results

1667% increase in total transactional volume since May 2024 after API integration with Stables (APAC) expanding into Africa
2USD 6 billion in transactions facilitated through Yellow Card's treasury management services
3USD 5 billion settled via Yellow Card invoicing and treasury services

Competitive Advantages

1Licensed Stablecoin infrastructure with AML/KYC and institutional-grade compliance
2Deep stablecoin liquidity and access to 90+ local bank accounts and 30+ mobile money networks
3Real-time or same-day settlements (<24hrs in many corridors) using Stablecoins
4No third-party intermediaries required for invoice settlements
5Large geographic coverage (2+ dozen currencies, 20 African countries; 195+ country reach implied by operations)

Key Benefits

1Efficient cross-border settlements with reduced FX exposure via Stablecoins

2Immediate access to local payment rails (mobile money, banks) and global currencies

3Same-day or near real-time settlement for many corridors

4Comprehensive compliance (AML/KYC) and KYB support

5Direct invoicing and on-platform liquidity without intermediaries

Case Studies & Success Stories

Stables API integration case study (APAC → Africa expansion)

Case #1

In May 2024, Yellow Card’s API was integrated into Stables, an APAC-based Stablecoin payment platform, enabling strategic expansion into Africa and resulting in a 667% increase in total transactional volume since launch in May 2024.

Additional Product Information

Product Description

Licensed stablecoin-based infrastructure delivering treasury management, cross-border payments, liquidity, and local-rail settlement for emerging markets, with API access, onboarding/compliance, and embedded solutions for end-users.

Target Market

Businesses and developers operating in Africa and other emerging markets needing cross-border payments, treasury management, invoicing, and stablecoin on/off-ramp capabilities.

Unique Value Proposition

Combines Africa-licensed stablecoin capabilities with institutional-grade compliance, deep liquidity, and broad local-rail coverage (banks, mobile money) to enable fast, low-cost cross-border payments and treasury operations without traditional banking delays.

Technical Requirements

API integration for Payments API, access to local payment methods (mobile money, bank transfers), on/off ramp capabilities, support for 20+ African countries, Stablecoin liquidity, and compliance tooling (AML/KYC).

Pricing Model

No initial sign-up fee; competitive rates; a small processing fee per transaction for invoicing, according to FAQs and pricing notes.

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