instant settlements in USD, EUR, GBP, or stablecoins.

Mbiyopay also enables fast international money transfers, allowing traders, fintechs, and merchants to send and receive funds between Africa and the rest of the world in local currencies or global currencies. For example, a trader in Côte d’Ivoire can deposit in XOF while a broker instantly receives USD, or a merchant in Africa can pay a supplier in Dubai or China using mobile money.

On the B2B side, our Enterprise APIs empower fintechs, brokers, and startups to automate deposits, withdrawals, remittances, and product launches with minimal infrastructure. We offer ready-to-use modules such as:

Virtual Card API – real-time generation and management of cards for clients and employees.

Cross-Border Payment API (coming soon) – seamless local and international payouts.

Banking API (coming soon) – USD/EUR accounts for businesses and individuals.

On/Off-Ramp API – easy fiat-to-crypto and crypto-to-fiat integration.

Beyond APIs, Mbiyopay is deploying a network of local agents in underserved and unbanked areas. These agents provide access to virtual cards, QR code payments, deposits, withdrawals, airtime purchase, bill payments, and international remittances. Agents earn commissions and can become premium partners with added support and visibility.

We also offer white-label payment platforms, enabling entrepreneurs, coaches, and exchange offices to launch branded financial solutions without heavy infrastructure or compliance costs.

By combining B2B infrastructure with B2C accessibility, Mbiyopay is building the next generation of digital payments and driving financial inclusion across Africa.