As a crypto API provider, researching what other providers build is part of our job. This comparison gives Yellow Card credit where it is due and states the limits we could verify.
We used public product pages, developer documentation, support pages, and regulator information available on 14 August 2026. We did not test Yellow Card through a production account. Products, prices, and coverage can change.
Overview
Choose Yellow Card when local-fiat collections, payouts, mobile money, and stablecoin treasury across several African countries are core requirements. Choose Breet when customers pay in crypto and the business wants stablecoins, USD, NGN, or GHS through one managed API.
Breet vs Yellow Card API at a glance
| Decision point | Breet | Yellow Card |
|---|---|---|
| Best for | Multi-asset crypto acceptance and direct NGN/GHS bank settlement | Multi-country African fiat collections, payouts, and stablecoin treasury |
| Main starting asset | Customer crypto or stablecoin deposit | Local fiat collection, with stablecoin and wallet flows also available |
| African reach | Direct local bank settlement in Nigeria and Ghana | Payment API across 20 African countries |
| Partner settlement | USD, NGN, or GHS balance; optional automatic local bank settlement | USD, USDT, or USDC balance, according to their B2B FAQ |
| Nigeria Pricing model | Volume-based transaction fee; no setup, monthly, or wallet-sweeping fees and no gas fee for receiving crypto | Collection table lists 1% below NGN 100,000 and 0.5% above NGN 100,000, with minimum fees |
| Wallets and assets | 12+ deposit assets; permanent or single-use addresses | Wallet functions across 30+ blockchains; custody and self-custody options |
| Sandbox | Public development environment | Sandbox keys supplied during business onboarding |
| Best geographic fit | A focused Nigeria and Ghana payment flow | Several African collection and payout corridors |
The main product difference
Yellow Card is built around local-fiat payment infrastructure and stablecoin settlement across Africa. Its B2B FAQ describes fiat pay-ins and payouts across 20 countries, with bank and mobile-money methods. Yellow Card handles conversion between local fiat and stablecoins and settles partner balances in USD, USDT, or USDC.
Breet is built around incoming crypto. A business generates a wallet address, receives a supported asset, converts the value, and can settle NGN or GHS to a linked bank account automatically.
These products meet in the middle, but they enter through different doors. The correct choice depends on what the customer pays and what the business needs to receive.
- Nigeria pricing and route costs
Breet: Breet charges one transaction fee based on transaction volume. The rate is shared during onboarding and is structured to grow with the business. Breet does not charge setup, monthly, gas, wallet-sweeping, or other separate fees.
Yellow Card: Yellow Card's public table lists Nigeria bank collections at 1% below NGN 100,000 and 0.5% above NGN 100,000, with minimum fees. Yellow Card says there is no initial sign-up fee and that the client agreement controls final pricing.
Decision: The services start with different assets. Compare matched quotes that begin with the same payer asset and end at the same bank or wallet. Include conversion, minimum fees, settlement method, and final amount received.
- Ghana coverage
Breet: Breet publicly documents direct GHS bank settlement.
Yellow Card: Yellow Card's current public sources disagree. The current fee schedule says Ghana collection and payout channels are unavailable. An older coverage map lists GHS mobile-money collection and payout.
Decision: This is a documentation conflict, not proof that a channel works or does not work today. A Ghana buyer should use the live coverage endpoint and request written confirmation of method, limits, timing, and price.
- African reach and payment methods
Breet: Breet's local bank coverage is limited to Nigeria and Ghana. Its advantage is a direct, clearly described flow in those markets. A team does not need broad mobile-money reach when every intended recipient uses an NGN or GHS bank account.
Yellow Card: For businesses that require this capability, Yellow Card's broader scope may be relevant. It supports 20 African countries and combines bank transfer, mobile money, local-fiat wallets, stablecoin conversion, and cross-border payment functions where each channel is available.
Decision: Choose Yellow Card for a regional corridor strategy. Choose Breet for a narrower bank-settlement strategy in its two core markets.
- Assets, wallets, and treasury
Breet: Breet accepts 12+ crypto assets across several networks. The normal conversion flow removes the need for the partner to hold incoming crypto. Permanent or single-use wallet addresses support customer attribution and reconciliation. Breet is stronger when the business wants the value converted and sent to a local bank without managing a crypto balance.
Yellow Card: Yellow Card's API Suite describes wallets for buying, selling, sending, receiving, and saving crypto across 30+ blockchains. It also offers custody and self-custody options and stablecoin treasury tools. For businesses that require this capability, Yellow Card's broader scope may be relevant.
Decision: For assets, wallets, and treasury, Breet is the better fit when the priority is a focused route from customer crypto to stablecoins, USD, NGN, or GHS. Consider Yellow Card only when its additional product scope is required.
- Integration and support
Breet: Breet provides REST documentation, a public development environment, wallet generation, auto-settlement, transaction webhooks, retry behaviour, IP controls, error handling, reporting data, and direct Slack or WhatsApp support. Breet's public API page displays a 99.9% uptime SLA. Breet brings a smaller flow with fewer route decisions.
Yellow Card: Yellow Card provides REST documentation, sandbox access through onboarding, real-time rates, transaction history, KYC metadata, performance analytics, and technical support under an SLA. Yellow Card brings more country and payment-method complexity.
Decision: Both can support a serious integration.
When pan-African fiat and mobile money matter
These functions matter when they are core product requirements. If the business only needs crypto acceptance and settlement, they can add unnecessary integration work and ongoing operations.
Why Breet fits customer crypto collection
Breet removes the infrastructure between the customer crypto payment and the chosen crypto or fiat output. The product team can keep the integration focused on the payment result.
Which should you choose?
Choose Breet when the business wants the simplest route from a customer crypto payment to stablecoins, USD, NGN, or GHS. Breet handles the crypto infrastructure and gives the team one focused payment flow.
- Accept 12+ supported crypto assets using permanent or single-use wallet addresses.
- Convert deposits automatically after blockchain confirmation.
- Keep funds in stablecoins or USD, or settle directly to an NGN or GHS bank account.
- Withdraw through the API or Breet business dashboard at any time.
- Avoid liquidity management and wallet sweeping.
- Pay one volume-based transaction fee with no separate setup, monthly, or wallet-sweeping fees and no gas fee for receiving crypto.
- Test integrations in a public sandbox with webhooks, live asset discovery, and clear API documentation.
- Get direct integration support through dedicated Slack channel support.
Consider Yellow Card only when the product requires one or more of these additional capabilities: local-fiat collections and payouts across many African countries; mobile-money rails; stablecoin treasury and partner settlement. For a focused crypto acceptance and settlement flow, Breet removes more product decisions and operating work.
Need more detail on Yellow Card?
Read the Yellow Card API review for a focused review of its public features, pricing evidence, strengths, and limits. You can also compare other crypto payment APIs.
