# Fyatu Financial Technologies Limited
*Also known as Fyatu*

- Website: https://fyatu.com
- Location: Dar es Salaam, Tanzania
- Agent profile: https://directory.haycion.ai/agents/fyatu-com

> Fyatu Financial Technologies Limited provides a secure, end-to-end card issuing platform for businesses to issue and manage card programmes with real-time processing.

Fyatu Financial Technologies Limited operates a card issuing platform that enables businesses to issue Visa and Mastercard cards under their own programmes. The company provides an integrated solution for card programmes, including issuing APIs, programme management, KYC workflows, real-time transaction processing, and funding infrastructure for programme balances. It supports regulated BIN Sponsors and offers add‑on capabilities such as 3D Secure, real-time authorization, and fraud prevention. Fyatu emphasizes security and compliance, with AML/KYC controls, end-to-end encryption, 24/7 fraud monitoring, and robust data protection. The platform serves card programme operators with onboarding, cardholder management, spend controls, and real-time integrations via REST APIs and webhooks. Fyatu positions itself as a global partner ecosystem with developer resources, sandbox environments, and governance to enable scalable, trusted card programmes.

**Mission:** Fyatu's mission is to empower businesses to issue and manage card programmes securely and efficiently through an integrated platform that combines issuing APIs, compliance workflows, real-time processing, and global payment capabilities, enabling scalable, trusted spend programmes.

## Products & Services

### [Card Issuing Platform](https://fyatu.com/card-issuing/)
*Platform*
Empower businesses to launch and manage their own card programs efficiently.

- **3D Secure 2.0** — Enhances Payment Security
- **JIT Funding** — Real-Time Funding
- **Real-Time Decisioning** — Instant Transaction Approval
- **Security and Compliance** — Robust Security Measures
- **Fraud Monitoring** — Proactive Fraud Prevention
- **Spend Controls** — Customized Spending Limits
- **Wallet Tokenization** — Supports Digital Wallet Integration
- **Visa and Mastercard Networks** — Dual Network Flexibility

### [Card Program](https://fyatu.com/card-program/)
*Platform*
Manage and scale your card issuing programs with comprehensive compliance and reporting.

- **Compliance controls** — Enhance Compliance Security
- **Real-time decisioning** — Ensure Instant Transaction Processing
- **KYC integration** — Streamline Cardholder Onboarding
- **Real-time reporting** — Immediate Performance Insights
- **Dynamic spend controls** — Enhance Financial Oversight
- **Multi-network support** — Flexible Payment Options
- **Program-level rules** — Centralized Control

### [Cardholders](https://fyatu.com/cardholders/)
*Service*
Manage cardholder profiles with KYC verification and real-time control over card statuses.

- **KYC Built-In** — Streamline KYC Process
- **Real-Time Status Management** — Immediate Control
- **Multi-Card Linking** — Enhance User Flexibility
- **Spending History** — Detailed Transaction Insights

### [Consumer Credit Program](https://fyatu.com/solutions/consumer-credit/)
*Solution*
Streamline consumer credit financing and management through scalable, API-driven solutions.

- **Multi-currency lending** — Enable Lending In Multiple Currencies
- **Revolving credit** — Manage Dynamic Credit Lines
- **Compliance features** — Enhance Regulatory Compliance
- **Repayments automation** — Automate Payment Collections
- **Underwriting** — Tailor Credit Limits per User
- **Virtual credit cards** — Instant Availability For Users

### [FinTech Platform](https://fyatu.com/solutions/fintech/)
*Platform*
Empowers fintechs with integrated solutions for card issuing, payments, and compliance.

- **Card Issuing API** — Facilitates Quick Card Issuance
- **Real-Time Decisioning** — Improves Transaction Efficiency
- **Developer-friendly Tools** — Accelerates Development Cycles
- **KYC & AML Built In** — Ensures Compliance
- **Fraud Detection** — Protects Against Financial Loss
- **3D Secure and Tokenisation** — Enhances Transaction Security
- **Payments Collection and Payouts** — Streamlines Financial Transactions
- **Wallets and Multi-Currency** — Supports Diverse Currency Needs

## Market Segments

- **Card issuing and processing** (market size $1.8B, CAGR 18.5%): Capabilities to issue and process virtual and physical cards with real-time authorizations, network routing (Visa/Mastercard), tokenization, JIT funding and settlement for programme operators.
- **Card issuing and program management** (market size $16.4B, CAGR 14.8%): Capabilities to launch and operate card programs including issuer/acquirer connectivity, tokenization, program orchestration, sponsor-bank introductions and operational integration.
- **Embedded finance (BaaS)** (market size $149.1B, CAGR 20%): API‑first banking and payments capabilities and partner network that enable brands and fintechs to embed deposits, cards, payments and lending into non‑financial products.
- **Lending and credit lifecycle management** (market size $8.0B, CAGR 12.5%): End-to-end loan origination, offer generation, underwriting connectivity, collateral and debt management for personal, SME, BNPL and corporate lending.
- **Fraud detection and risk management** (market size $45.0B, CAGR 16%): Real‑time fraud mitigation, rule‑based and dynamic risk controls, dispute and chargeback workflows, and compliance support (KYC/AML).