If you’ve been using Yellow Card for crypto purchases, P2P sales, or mobile-money deposits/withdrawals in Zambia, here’s a major update: Yellow Card is phasing out its retail (consumer) app and focusing instead on business-to-business (B2B) solutions. That means ordinary individuals may soon find that they can no longer access the same services, or at least not in the same way.
In this article we’ll unpack:
- what exactly Yellow Card is doing and why
- how that affects crypto & forex traders in Zambia and Africa
- why you might consider switching to KeithFX (app link + WhatsApp contact)
- what you should do now to protect your funds and maintain access.
What is Yellow Card & What Are They Doing?
Background
Yellow Card is a Pan-African fintech firm, founded around 2016, that offers a platform to buy/sell cryptocurrencies and stablecoins using local currencies (including Zambian Kwacha) and mobile-money methods.
They have grown rapidly: by 2022 they had over one million users in multiple African countries.
They also hold various regulatory licences in different African jurisdictions.
The Shift to B2B
Recently, Yellow Card announced a strategic pivot: they are phasing out the retail consumer app and focusing exclusively on their institutional, business-to-business “stablecoin infrastructure” offering (treasury management, payments API, invoice settlement).
Key points from their blog post:
- Final access to the retail app will end January 1, 2026.
- Users are encouraged to withdraw their funds by December 31, 2025.
- They emphasise that this shift is not a retreat from “financial inclusion” but a doubling down on providing regulated infrastructure for businesses.
Why Are They Doing This?
The shift makes business sense: in emerging markets the B2B payments/treasury infrastructure is large, stable and underserved. Yellow Card recognised that individual retail trading is more competitive and less predictable, whereas enterprise corridors (cross-border, stablecoins, APIs) offer larger volume and better margins.
They have also announced large partnerships with players like Thunes to support cross-border business payments.
What This Means for Zambia & Africa (and for YOU)
Implications for Retail Users
- If you currently use Yellow Card to buy/sell crypto, deposit/withdraw via mobile money, you may lose access to the platform or at least find it severely limited after the deadline.
- While Yellow Card says funds will remain “safe and accessible for withdrawal”, relying on a service that is winding down its consumer offering carries risk (delays, support issues, changing terms).
- For Zambian users this is especially relevant because Yellow Card had local support for ZMW (Zambian Kwacha) deposits/withdrawals.
- For forex & crypto traders access to reliable, responsive exchange/payment rails is crucial — any disruption can impact timing, costs and execution.
Why Now Is the Time to Review Your Options
As someone trading crypto/forex and offering payment services (which I know you are, Mr Rainz), you should:
- Review whether your current service provider (Yellow Card) will meet your needs going forward.
- Consider switching to or onboarding alternative providers now, rather than waiting until functionality degrades.
- Ensure you have contingency options in place: e.g., local-payment friendly, quick mobile-money integrations, responsive support, transparent fees, local ZMW support.
Introducing KeithFX – Your Better Alternative for Zambia & Africa
Given the shift at Yellow Card, I am offering KeithFX (Android app link: Play Store) as a strong alternative tailored specifically for Zambians and Africans trading crypto, forex and doing digital currency exchanges.
Why KeithFX can serve you better
- Built by me (Keith Rainz) — I understand the local Zambian market, mobile-money systems, forex/crypto pain-points.
- Local payment support: I help clients deposit/withdraw via Zambian mobile-money, local currency – so you avoid cross-border complexity.
- Personalised support: WhatsApp me at +260 977 770 202 for assistance, exchange, or onboarding.
- Fee transparency: Straightforward fees, managed by me (so you have clarity and accountability).
- Tailored for traders and content-creators: I know your needs — speed, reliability, local-friendliness.
How to Get Started
- Download KeithFX from the Google Play link (above).
- Register and complete any required verification.
- Contact me via WhatsApp +260 977 770 202 — I’ll help you set up deposits/withdrawals, and guide best-practice for using the app in Zambia/Africa.
- Once on the platform, you can trade crypto, run forex conversions or request exchanges (crypto ⇄ ZMW, PayPal/USDT etc) via the platform.
- Use the local-friendly procedures, ensure you understand fees and liquidity.
Important Note
Switching any trading/payment platform requires diligence: check KYC, understand liquidity, ensure local regulatory compliance, and always safeguard your funds. KeithFX supports each of these and is aligned with the realities of the Zambian market.
Actionable Steps for You Right Now
- ✅ If you’re using Yellow Card: withdraw any funds you may need before the December 31, 2025 deadline. (They recommended doing so.
- ✅ Compare your current provider’s fees, local currency support (ZMW), mobile-money integrations, withdrawal speed.
- ✅ Download KeithFX, register, and test the platform with a small volume to familiarise yourself.
- ✅ Set up WhatsApp contact +260 977 770 202 for direct help with onboarding, exchange, deposits/withdrawals.
- ✅ Stay updated on regulatory developments in Zambia/region regarding crypto & mobile-money.
- ✅ If you’re a content creator/trader: communicate this shift to your audience (you can publish this article) so they know why you are recommending KeithFX and what to expect with Yellow Card’s pivot.
Final Thoughts
Yellow Card’s move to exit the retail consumer space is a major signal for anyone using the platform in Zambia & Africa. While not necessarily a “bad” move (they’re doubling down on enterprise infrastructure), it does mean risk of service disruption for everyday users and traders.
As someone who lives and works in the Zambian crypto/forex space, you deserve a provider that understands your local needs, integrates with ZMW and mobile-money, and keeps you in control. That’s why I’m recommending KeithFX — built with your context in mind, backed by direct support from me.
Take action now: verify your current provider, get set up on KeithFX, ensure you’re ready for the future.
If you have questions, need help, or want a guided walkthrough of KeithFX — just drop me a WhatsApp at +260 977 770 202.
Here’s to smarter trading and solid financial infrastructure in Zambia & Africa!
– Keith Rainz
