FYATU, Congolese Platform Breaking Payment Barriers

Founded in 2020 by Congolese entrepreneur Félix Maroy, FYATU is on a mission to break down Africa’s toughest payment barriers. The fintech platform gives anyone—even those without a bank account—the ability to issue and use virtual debit cards for global online transactions.

Whether it’s paying for streaming services, e-commerce, or managing peer-to-peer transfers, FYATU bridges the gap between mobile money systems and international payment rails.

Its “API-first” approach also allows entrepreneurs to embed these services directly into their own businesses, creating new opportunities for digital inclusion.

What started as a bold idea in the Democratic Republic of Congo has quickly scaled into a solution with 158,000 active users spread across 48 countries. FYATU generates thousands of new virtual cards every month, helping users who would otherwise be shut out of digital commerce participate confidently in the global economy.

Farmers, freelancers, and small businesses alike are using the service to receive payments, manage subscriptions, and transact internationally—turning a pain point into a pathway for growth.

The company has also reported strong transaction volumes, highlighting the untapped demand for reliable digital payment infrastructure across Africa.

FYATU’s rapid adoption proves the demand for payment tools built for Africa’s realities. Now recognized as one of the DRC’s most promising fintech ventures, the company is scaling cross-border and positioning itself as a key player in Africa’s digital transformation.