Yellow Card: balances, prefunding and reporting
Yellow Card is a stablecoin on and off-ramp with a Payments API that collects and pays out local currency by bank transfer and mobile money in 20 African countries, with further corridors in Latin America and Asia. Clients fund their balance before paying out, either by sending USDT, USDC or PYUSD to a top-up address shown in the Treasury Portal or through dedicated virtual accounts in USD, EUR, GBP and local currencies, then track it through GET /business/account, the Treasury Portal, a reconciliation report endpoint and signed webhooks.
What Yellow Card does
- The Yellow Card B2B Payments API covers payments, collections, settlements, currency conversion and custody. USD is the API base currency, supported fiat currencies include NGN, KES, GHS, ZAR, UGX, TZS, ZMW, MXN, ARS, BRL and COP, and supported custody stablecoins include USDT, USDC, PYUSD and EURC. source
- Virtual Accounts give partners dedicated accounts in USD (ACH, wire and SWIFT), EUR (SEPA), GBP (Faster Payments) and local currencies. Funds received are credited to the partner balance and can be sent out through the Treasury Portal or the API. source
Coverage
- Yellow Card supports 20 countries in Africa (docs updated 14 October 2026), with mobile money in markets such as Benin, Cameroon, Ivory Coast, Senegal, Tanzania, Uganda and Zambia, and bank transfer in markets such as Nigeria and Kenya. All mobile money methods and bank transfer in Nigeria are instant. source
- In Latin America, receives and sends are live in Argentina (CVU/CBU), Colombia and Mexico (SPEI), with sends to Ecuador in USD (docs updated September 2026). source
- In Asia, Yellow Card sends local bank transfer payouts to Cambodia (USD), India, Indonesia, the Philippines, Sri Lanka and Thailand, with extra recipient details required for INR, IDR, PHP, THB and LKR sends. source
How funds are held and prefunded
- Partners must top up their account balance before initiating any payment request. The top-up wallet address is in the Treasury Portal, and top-ups are accepted in USDT (TRC20, CELO, SOL, POL), USDC (ERC20, XLM, SOL, BASE, CELO) and PYUSD (ERC20). source
- A send that cannot be processed because of low balance enters PENDING_LIQUIDITY. It moves to processing automatically once a top-up completes, or fails after 2 hours in that state. source
How to see your Yellow Card balance
| Channel | What it gives you | Source |
|---|---|---|
| API | GET /business/account (Get Account Balances) returns the partner's available balance per wallet, with currency and currencyType (fiat, crypto or stock). | source |
| API | GET /business/sub-wallets lists the partner's per-currency fiat sub-wallets (NGN, KES, ZAR, UGX, USD), which hold the spendable balance for both collections and disbursements, with optional linked virtual account data. | source |
| report | GET /business/recon (Get Reconciliation Report) returns opening and closing balances per token for a date range and the transactions in between, paginated up to 100 results per page. | source |
| portal | The Treasury Portal shows account balances and transaction history and is where users generate API keys, configure webhooks, manage deposit and withdrawal addresses and manage team access. Two-factor authentication is mandatory for portal access. | source |
| read-only key | API keys are created in the Treasury Portal with separate permissions: API read (get channels, rates and payments) and API write (create collections, payments and settlements), so a key can be limited to read access. | source |
| webhook | Webhooks fire on every event or on one chosen state and are signed with an X-YC-Signature header. Current v2 event names use the SEND.* and RECEIVE.* prefixes, and CRYPTO_SEND.*, CRYPTO_RECEIVE.* and CONVERT.* replace the legacy SETTLEMENT.* events. | source |
Regulation
- Yellow Card Financial South Africa (Pty) Limited is a Category I financial services provider authorised for crypto assets and regulated by the FSCA (FSP number 53790). Yellow Card Botswana holds a virtual asset service provider licence issued by NBFIRA on 29 September 2022. source
- Yellow Card Ghana has been registered as a virtual asset service provider with the Bank of Ghana since August 2025, and Yellow Card Services Zambia is registered as a virtual asset service provider with the Bank of Zambia (March 2026). In the United States, Yellow Card Financial Inc. is registered with FinCEN as a money services business (licences page updated 4 August 2026). source
Connecting Yellow Card to Polynopsis
Polynopsis reads stablecoin wallets you hold on-chain directly from their public addresses. Forward Yellow Card account statements to your statement inbox; a direct API connector is on the roadmap. Polynopsis shows it next to every bank, payout partner, exchange and wallet in one live position.
Frequently asked questions
How do I fund a Yellow Card account before paying out?
Send USDT, USDC or PYUSD on a supported network to the top-up wallet address shown in the Treasury Portal, or receive funds into your dedicated virtual accounts (USD by ACH, wire or SWIFT; EUR by SEPA; GBP by Faster Payments; and local currencies), which are credited to your balance. Payment requests need a funded balance first.
What happens to a payout if my Yellow Card balance is too low?
It enters the PENDING_LIQUIDITY state. It processes automatically once your top-up completes, or fails after 2 hours.
Can I give a monitoring tool read-only access to Yellow Card?
Yes. API keys created in the Treasury Portal carry separate API read and API write permissions, so you can issue a key with API read only, which Yellow Card describes as covering resources such as channels, rates and payments. Balances are returned by GET /business/account and opening and closing balances over a date range by GET /business/recon.
Other payout partners and providers
Sources
- Get Account Balances · Yellow Card
- Get Wallets · Yellow Card
- Get Reconciliation Report · Yellow Card
- Balance Top up and Pay out · Yellow Card
- Getting Started · Yellow Card
- Webhooks · Yellow Card
- Events · Yellow Card
- Africa coverage · Yellow Card
- Latin America coverage · Yellow Card
- Asia coverage · Yellow Card
- Virtual Accounts · Yellow Card
- Licenses & Registrations · Yellow Card
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.