# Yellow Card

> Financial infrastructure that works.

Yellow Card is a licensed stablecoin and fiat payments infrastructure provider. It serves banks, financial institutions, corporates, fintechs, and telcos operating across emerging markets.

Yellow Card is a stablecoin and fiat payments infrastructure company, providing the rails that let banks, financial institutions, corporates, fintechs, and telcos move money across emerging markets. Its platform supports receiving, sending, storing, and managing stablecoins alongside fiat, allowing businesses to hold treasury balances, settle cross-border payments, and access local currency liquidity through a single provider.

The company addresses the cost and complexity of moving money into and out of emerging markets, where traditional banking rails are often slow or expensive. It combines stablecoin settlement with local payment rails and currency conversion, letting institutions send and receive payments in a wide range of local currencies alongside US dollar and euro-denominated flows. Yellow Card operates under licenses and registrations across multiple jurisdictions and applies compliance controls such as sanctions screening, anti-money laundering monitoring, and travel rule compliance to its transaction flows.

Its offering is delivered through an API suite for programmatic integration and a treasury portal for corporate finance teams, alongside tools for launching local stablecoins and enabling business or customer wallets. Yellow Card is used by banks, fintechs, telecommunications companies, and corporates that need compliant infrastructure for cross-border payments and digital asset management. The company has shifted its focus toward serving these institutional and business customers directly, after discontinuing its earlier consumer-facing application.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2016-05-01
- Profile: https://thegrid.id/profiles/yellowcard

## Products

- [API Suite](https://thegrid.id/profiles/yellowcard): API Suite is a payments infrastructure API that lets businesses collect and pay out local currency across emerging markets, with USD stablecoins used for cross-border settlement. It connects bank transfers and mobile money with stablecoin rails through a single integration, so funds move between countries in minutes rather than days. Businesses can also embed named USD and EUR accounts, custodial or self-custody stablecoin wallets and currency conversion into their own products. Fintechs, banks, telecoms and corporates use it for payouts, collections and treasury flows without running blockchain infrastructure themselves. (Payments Infrastructure & Orchestration, Live, Main Product)
- [Yellow Card Exchange](https://thegrid.id/profiles/yellowcard): Yellow Card Exchange was a centralized platform enabling consumers to buy, sell, and store cryptocurrencies using local African currencies through mobile money and bank transfers. The retail app has been discontinued as the company shifted exclusively to business-focused infrastructure. (Centralised Exchange, Discontinued)
- [Yellow Pay](https://thegrid.id/profiles/yellowcard): Yellow Pay was a consumer remittance service enabling instant cross-border money transfers using stablecoins as settlement infrastructure. It has been discontinued as the company shifted its focus entirely to business-facing payments infrastructure. (Peer to Peer & Remittance, Discontinued)
- [Treasury Portal](https://thegrid.id/profiles/yellowcard): Treasury Portal is a no-code treasury dashboard that lets businesses hold, send, receive and convert local currencies and USD stablecoins across emerging markets. Companies create separate wallets for each currency or purpose, pay out to bank accounts, mobile money or crypto addresses, and convert funds at quoted rates settled through stablecoins. Finance teams use maker-checker approvals and transaction tracking to run payroll, supplier payments and reconciliation without writing code. (Payments Infrastructure & Orchestration, Live)

## Links

- [Main](https://yellowcard.io)
- [Documentation](https://docs.yellowcard.engineering)
- [Terms of Service](https://yellowcard.io/legal)
- [Privacy policy](https://yellowcard.io/legal/privacy-policy)
- [Blog](https://yellowcard.io/blog)
- [Twitter / X](https://x.com/yellowcard_app)
- [Facebook](https://www.facebook.com/yellowcardapp)
- [Instagram](https://www.instagram.com/yellowcard_app)
- [LinkedIn](https://www.linkedin.com/company/yellowcardapp)
- [YouTube](https://www.youtube.com/@YellowCardFinancial)

## Legal

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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

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- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
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