Yellow Card Yellow Card B2B
A plan byYellow Card
Yellow Card was the first licensed stablecoin on/off ramp in Africa, with over $3 billion in transfers in 2024 and VASP and MSB licences. Following its January 2026 pivot, it closed its retail business to focus solely on the enterprise segment, reducing access for individual users.
Yellow Card B2B
- Price
- Free
- Issuance fee
- Free
- FX markup
- 0.5%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- €0/mese gratis, poi 0%
- Net annual cost
- Free
What's included
- B2B stablecoin infrastructure
- Invoice settlement API
- Treasury
- 20 paesi Africa
- 45 banche, 45 mobile-money
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | condiviso |
| Multi-currency | Yes · 17 currencies |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | Yes |
| SEPA transfer | Free |
| Interest on balance | 0% |
| ATM withdrawal | Free |
| Free ATM limit | €0/mese gratis, poi 0% |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | AFRICA, LATAM, APAC · 34+ countries |
| Regulator | NBFIRA / FSCA / FinCEN |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | VASP + MSB |
Strengths
- Before licensed stablecoin on/off ramp Africa; $3B transfers 2024.
- No notable sovereignty advantage documented.
Weaknesses
- Retail chiuso (gen 2026); only enterprise.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
A pioneer as the first licensed stablecoin on/off ramp in Africa, with over $3 billion in transfers in 2024 and VASP and MSB licences, Yellow Card had solid foundations; but its January 2026 pivot closed retail to focus on enterprise, effectively cutting off access for individual users. For the everyday consumer the service is no longer a viable route, which holds the verdict back.
Through this lens the stablecoin infrastructure spanning 34 countries and three continents held real value for those moving value across borders while resisting local inflation. It remains a custodial service with full KYC, though, and after the retail shutdown that on/off bridge is no longer within reach of individuals, weakening its usefulness for those seeking autonomy.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Yellow Card a real bank?
Yellow Card is a digital financial service. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Yellow Card?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Yellow Card support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Yellow Card support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Yellow Card?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Company profile · Issuer Data verified on Jun 14, 2026
- docs.yellowcard.engineering Variante regionale Data verified on Jun 14, 2026
- techcrunch.com Issuer Data verified on Jun 14, 2026
- trustpilot.com Trust & safety Data verified on Jun 14, 2026