Welcome to Yativo

Yativo is a payments infrastructure platform built for businesses, fintechs, and developers who need reliable, programmable money movement across borders and across chains.

Two platforms, one API surface

Yativo Fiat

Multi-currency accounts, cross-border transfers, virtual accounts, beneficiary management, and subscription billing. Send and receive money in 50+ currencies.

Yativo Crypto

Multi-chain wallets, crypto-funded debit cards, IBAN accounts, token swaps, and a full B2B card issuer program. Build crypto-native financial products.

Key capabilities

Capability	Platform	Description
Multi-currency accounts	Fiat	Hold and move money in 50+ currencies
Cross-border transfers	Fiat	Send funds internationally via a single API call
Virtual accounts	Fiat	Issue receiving accounts per customer or transaction
Beneficiary management	Fiat	Store and reuse recipient bank details across countries
Crypto wallets	Crypto	Multi-chain wallet infrastructure with automatic address generation
Crypto-funded cards	Crypto	Issue debit cards funded from crypto balances
IBAN accounts	Crypto	European bank accounts linked to crypto wallets
Token swaps	Crypto	Cross-chain and same-chain token exchange
Webhooks	Both	Real-time event notifications for all platform activity
B2B customer management	Both	Create and manage sub-accounts for your own customers

Authentication

Both platforms authenticate via Bearer tokens. Generate a token by exchanging your API key and secret at the authentication endpoint for each platform. All API requests must include:

Authorization: Bearer YOUR_ACCESS_TOKEN

Explore the docs

Fiat API Reference

Complete endpoint reference with interactive playground.

Guides

Step-by-step tutorials for common integration patterns.

SDKs

TypeScript, Python, PHP, Java, and React SDKs.

Sandbox

Test your integration against live-like sandbox environments.

Changelog

​Two platforms, one API surface