Fyatu Financial Technologies Limited

Empower businesses to launch and manage their own card programs efficiently.

Manage and scale your card issuing programs with comprehensive compliance and reporting.

Manage cardholder profiles with KYC verification and real-time control over card statuses.

Streamline consumer credit financing and management through scalable, API-driven solutions.

Empowers fintechs with integrated solutions for card issuing, payments, and compliance.

Capabilities to issue and process virtual and physical cards with real-time authorizations, network routing (Visa/Mastercard), tokenization, JIT funding and settlement for programme operators.

Products: Card Issuing Platform, FinTech Platform

Capabilities to launch and operate card programs including issuer/acquirer connectivity, tokenization, program orchestration, sponsor-bank introductions and operational integration.

Products: Card Program, Cardholders, Card Issuing Platform

API‑first banking and payments capabilities and partner network that enable brands and fintechs to embed deposits, cards, payments and lending into non‑financial products.

Products: FinTech Platform, Card Issuing Platform

End-to-end loan origination, offer generation, underwriting connectivity, collateral and debt management for personal, SME, BNPL and corporate lending.

Products: Consumer Credit Program, FinTech Platform

Real‑time fraud mitigation, rule‑based and dynamic risk controls, dispute and chargeback workflows, and compliance support (KYC/AML).

Products: Card Issuing Platform, Card Program, FinTech Platform

Card Issuing Platform

A complete card issuing infrastructure that enables modern card programs. It provides issuing APIs to issue Visa and Mastercard virtual and physical cards via regulated BIN Sponsors, real-time authorizations and settlements, and end-to-end program management including KYC workflows, AML controls, fraud monitoring, and data protection. The platform supports real-time funding, spend controls, 3D Secure, and wallet tokenization, with developer-friendly tools and sandbox environments.

• Enhances Payment Security
  Every transaction is authenticated to minimize fraud risks and comply with regulations, ensuring secure transactions.
• Real-Time Funding
  Allows instant authorization of funds, ensuring seamless user experience by eliminating delays in transaction approvals.
• Instant Transaction Approval
  Enables businesses to approve or decline transactions on the spot, improving financial management and user satisfaction.
• Robust Security Measures
  Ensures the highest levels of data protection and compliance with industry standards, providing peace of mind for businesses and consumers.
• Proactive Fraud Prevention
  Ensures proactive measures are in place to detect and mitigate fraudulent activities, safeguarding user transactions.
• Customized Spending Limits
  Allows businesses to set specific restrictions per card, enhancing control over spending and reducing potential fraud.
• Supports Digital Wallet Integration
  Allows for easy wallet integration for users, facilitating fast and secure transactions.
• Dual Network Flexibility
  Supports issuing with both Visa and Mastercard, enabling wider acceptance and flexibility for cardholders.

Card Program

A Card Program is the top-level container for your entire card issuing operation. It defines program-wide rules, network configuration, and compliance controls, and supports multiple Card Products and Cardholders under a single program. It provides real-time reporting and governance across the whole issuing operation.

• Enhance Compliance Security
  Ensure all cardholders automatically adhere to regulatory standards, minimizing the risk of compliance violations.
• Ensure Instant Transaction Processing
  Maximize approval speed on every transaction, ensuring a smooth user experience at the point of sale.
• Streamline Cardholder Onboarding
  Easily manage identity verification processes to ensure only authorized users enter your program, simplifying onboarding.
• Immediate Performance Insights
  Monitor your card program's success with instant reporting tools that help you respond to performance trends.
• Enhance Financial Oversight
  Control expenditures rigorously by establishing flexible spending restrictions tailored to specific use cases.
• Flexible Payment Options
  Offer your users the ability to use their cards across multiple networks, increasing accessibility and convenience.
• Centralized Control
  Easily enforce management policies and operational limits across your entire card program for enhanced oversight.

Cardholders

Cardholders are the individuals who hold cards issued under your program. The Cardholders service includes built-in KYC during onboarding, multi-card linking across products, and real-time status management via API, with access to spending histories and cardholder governance.

• Streamline KYC Process
  Automatically triggers KYC verification during onboarding, ensuring compliance and reducing manual workloads.
• Immediate Control
  Provides program operators with the ability to instantly manage cardholder statuses, enhancing security and operational efficiency.
• Enhance User Flexibility
  Allows cardholders to easily manage multiple cards across various card products, optimizing their spending options.
• Detailed Transaction Insights
  Offers comprehensive transaction data to cardholders, facilitating expense tracking and financial management.

Consumer Credit Program

Launch consumer credit programs with Fyatu’s global infrastructure. Features include revolving credit with configurable credit lines and billing cycles, automated repayments, underwriting controls, and multi-currency lending, all accessible via API for scalable lending operations.

• Enable Lending In Multiple Currencies
  Support for various currencies allows for versatile lending operations, catering to global customer needs.
• Manage Dynamic Credit Lines
  Configurable limits per cardholder enable flexibility and control over revolving credit accounts.
• Enhance Regulatory Compliance
  Strong KYC and AML integrations help mitigate risks and meet legal standards effectively.
• Automate Payment Collections
  Designed to streamline collection processes, ensuring timely repayments without manual intervention.
• Tailor Credit Limits per User
  Integrate customized risk assessments to optimize credit allocations on a per-user basis.
• Instant Availability For Users
  Allow users to spend immediately through virtual card issuance, enhancing customer satisfaction and utilization.

FinTech Platform

An API-first platform to help fintechs build and scale. It offers card issuing via REST API for virtual and physical cards, payment processing and wallets, AML/KYC, multi-currency wallets funded by stablecoins, and white-label, developer-friendly tooling with sandbox access.

• Facilitates Quick Card Issuance
  Enables businesses to issue branded cards seamlessly, supported by Visa and Mastercard networks.
• Improves Transaction Efficiency
  Allows immediate decision-making on transactions, enhancing user experience.
• Accelerates Development Cycles
  Offers comprehensive developer resources and support to streamline integration and adaptation.
• Ensures Compliance
  Provides robust compliance measures, facilitating safe and legal financial operations.
• Protects Against Financial Loss
  Flags suspicious activities immediately, minimizing potential fraud risks.
• Enhances Transaction Security
  Frictionless authentication through 3D Secure 2.0 protects cardholders and minimizes chargebacks.
• Streamlines Financial Transactions
  Ensures quick and effective processing of financial transactions globally.
• Supports Diverse Currency Needs
  Facilitates easy transactions in multiple currencies to cater to global user bases.