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The Card Issuing Platform Built for Builders
We started from a simple conviction: issuing a Visa or Mastercard should be an API call, not a two-year enterprise procurement. Fyatu is the card program infrastructure we wish had existed from day one.
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Our Story
Card programs should be fast, transparent, and accessible — we built the infrastructure to make that true.
Card issuing was broken
Getting a Visa or Mastercard BIN required a Tier 1 bank relationship, 12–24 months of onboarding, and compliance budgets only enterprises could afford. The result: great products never got built because the infrastructure was gated.
One API, instant card programs
Starting in 2020, we built Fyatu from the ground up as a card issuing and card program infrastructure platform — BIN-sponsored virtual, prepaid, and debit cards over a single REST API, with JIT authorization, 3D Secure, and Apple Pay built in from day one.
Scale with purpose
Today, more than 1M cardholders rely on Fyatu-issued cards. Fintechs, neobanks, and card program operators across 180+ countries launched in days — not quarters. Millions of authorizations monthly at 99% success rate.
99%
success rate
24/7
support
The infrastructure layer for the next generation of card programs
Headquartered in Dar es Salaam with a global client base, Fyatu is the card issuing layer that fintechs and neobanks build on. We handle BIN sponsorship, compliance, network connectivity, and authorization infrastructure — so our clients focus on their product, not the plumbing.
I started Fyatu because I lived the problem myself. Growing up in the DR Congo, talented people missed opportunities simply because they lacked a reliable card to pay online or a platform to issue one. Card infrastructure should not be a privilege reserved for billion-dollar enterprises. We built Fyatu to change that — permanently.
F. Maroy
Founder & CEO, Fyatu
Our Foundation
Four pillars that define how we build, serve, and grow — every day.
Open Access
BIN sponsorship, network connectivity, and card program infrastructure should not require a Tier 1 bank relationship. We open these rails to any builder.
Developer First
A single POST request to issue a card. Clean REST APIs, real-time webhooks, and a sandbox that mirrors production — designed to reduce integration time to hours, not weeks.
Compliance Built In
PCI DSS compliant, 3D Secure 2.0, KYC workflow, AML controls, and 24/7 fraud monitoring — compliance infrastructure your card program inherits automatically.
Constant Forward Motion
JIT authorization, tokenized wallet cards, one-time card issuance, real-time decisioning — we ship the features card programs need before they have to ask for them.
Built to Last, Driven to Innovate
Every year, we push further. Every milestone proves what Africa's fintech future looks like.
A mission was born
Founded with one conviction: a fintech should be able to issue a Visa or Mastercard in days, not years. We built the BIN sponsorship, compliance layer, and developer API that makes that possible.
Card program infrastructure that any builder can access
That's what we're building — a world where the card network is an API call away.
1M+
cardholders
180+
countries
First cards live
Launched Visa & Mastercard virtual card issuing — the first cards issued on the Fyatu API.
Card program API opens
Crossed 100K cardholders. Opened the developer API to B2B clients across 50 countries.
JIT & spend controls
Shipped JIT authorization, dynamic spend controls, and 3D Secure 2.0 — making Fyatu a full card program platform.
Global BIN coverage
Expanded to 180+ countries with multi-BIN support. Launched physical card production and Apple Pay tokenization.
Card program scale
1M+ cardholders. White-label and co-branded programs live. Stablecoin (USDT/USDC) funding fully integrated.
The Team Behind Fyatu
A diverse team united by one mission — making finance work for everyone.
Building the card program infrastructure for the next generation of fintechs.
Launch your card program today
Join 1,000,000+ cardholders and the fintechs that issue their cards. Live in days — no bank sponsorship queue, no volume minimums.
