PLATFORM FEATURE
Zero-Prefunding Card Authorization
Every card transaction triggers a real-time webhook to your backend before it settles. Approve, decline, or modify based on live balance, KYC status, or any custom logic — in under 100ms. No blockchain required. No working capital locked. Build crypto cards, neobank cards, or any card program without prefunding constraints.
<100ms
JIT authorization
Zero
Prefunding required
180+
Countries, no blockchain
Technical Deep-Dive
How It Works
The technical architecture behind Just-In-Time Funding — built into every Fyatu card program.
Authorization Webhook
Every card swipe, tap, or online transaction triggers an HTTPS POST to your endpoint before it settles. The payload contains the full authorization context: merchant name, MCC, amount, currency, card ID, cardholder metadata, and your custom fields. Respond with approve, decline, or a modified amount within your SLA window.
Real-time Decisioning
Your backend becomes the authorization oracle. Query your own ledger, crypto balance, scoring model, or compliance list on every transaction. Approve in good conditions, decline when limits are exceeded, or modify the amount for partial approvals — all before the merchant's POS times out.
Zero Prefunding
Card balances are $0 until the moment of authorization. Funds are pulled from your ledger in real time — no stablecoin pools, no on-chain settlement, no capital locked waiting for cardholders to spend. JIT eliminates the working-capital cost that stablecoin-prefunding platforms impose.
Velocity & Limit Rules
Enforce rolling spend limits — per minute, hour, or day — directly inside your JIT handler. No configuration UI required; your code drives the logic, giving you infinite flexibility over rule complexity and custom business logic.
Full Audit Trail
Every authorization decision — webhook payload, response body, latency, and outcome — is logged and queryable via API or the Fyatu dashboard. Supports compliance exports, dispute resolution, and reconciliation against your ledger.
Use Cases
Who Benefits from Just-In-Time Funding
Industries and platforms building with Just-In-Time Funding through the Fyatu Card Issuing API.
Crypto Card Programs
Users hold USDT, USDC, or any crypto balance. JIT converts and settles at the moment of authorization. No blockchain in the card network path — zero smart contract complexity, standard Visa/Mastercard acceptance globally.
Neobanks
Gate card spend against live wallet balances and KYC tiers in real time. Prevent overdrafts without batch reconciliation or day-end sweeps across any market you operate in.
Forex & Trading Platforms
Issue cards funded by trading account balances. JIT checks available margin before every transaction, ensuring cards never exceed what the trader actually holds across volatile positions.
Expense Management
Enforce per-employee budgets, MCC policies, and receipt requirements in real time — before the charge goes through, not after. Update limits instantly from your HR or ERP system.
Emerging Market Fintechs
Build card programs in LATAM, MENA, or any market with limited traditional banking infrastructure. JIT's zero-prefunding model eliminates the capital requirements that block fintechs from entering card issuing.
Fraud Prevention
Feed authorization events into your ML fraud model and decline anomalous transactions in real time — before they settle, before chargebacks, before losses compound.
COMPARISON
JIT vs Stablecoin Prefunding
Why fintechs building crypto card programs choose Fyatu JIT over blockchain-settled platforms
Just-In-Time Funding FAQ
Common questions about just-in-time funding on the Fyatu Card Issuing API.