Fiat & Stablecoin On/Off-Ramp Infrastructure

Yellow Card provides enterprise-grade fiat and stablecoin on/off-ramp infrastructure purpose-built for emerging markets. Businesses can buy and sell USDT, USDC, and other stablecoins with USD, NGN, AED, and 50+ major and local currencies, with fast settlements in under 24 hours. With $10B+ volume processed and support for 154 countries and 50+ payment currencies, Yellow Card offers one of the deepest stablecoin-fiat conversion rails available across Africa, the Middle East, and other high-growth markets.

Core On/Off-Ramp Capabilities

• Fiat-to-Stablecoin & Stablecoin-to-Fiat Conversion — Accept and disburse funds in 50+ local currencies while converting to and from USDC, USDT, and other major stablecoins. Supported regional payment methods include mobile money networks, bank transfers, and SWIFT/SEPA-compatible rails across 90+ local bank accounts and 30+ mobile money integrations.
• API-Based Conversion Infrastructure — The Yellow Card API Suite provides a single RESTful integration point for accessing local fiat on/off ramps, deep stablecoin liquidity, and compliant cross-border settlement. Available in cURL, Python, Node.js, and Ruby with a sandbox environment for testing.
• Virtual USD/EUR Accounts (vIBANs) — Create and manage dedicated USD and EUR accounts with unique IBANs for businesses and their end customers, with full on/off-ramp support for instant fiat-to-stablecoin and stablecoin-to-fiat movement.
• Treasury-Grade FX Conversion — Through the Treasury Portal, businesses can lock in conversion rates between stablecoins and local fiat currencies in real time, hedging against currency fluctuations in volatile emerging markets.
• Stablecoin Savings Conversion — The Stablecoin Savings API enables fintech platforms to offer customers a seamless path from local currency into USD stablecoin savings.

Scale & Compliance

• $10B+ volume processed across 154 countries
• 50+ payment currencies supported
• Sub-24 hour settlement times
• 106+ Tier 1 banking and liquidity partners
• Regulatory-grade compliance with licenses across multiple African jurisdictions
• 99.9% uptime with real-time monitoring