Joat Finance

Joat Finance is your gateway to the global economy. Create an instant virtual USD Mastercard and pay anywhere Mastercard is accepted — Netflix, Amazon, PayPal, Google Ads, Shopify, and millions of merchants worldwide. WHAT YOU CAN DO • Instant USD cards — Issue a virtual USD Mastercard in seconds, straight from your phone. No bank appointment. No waiting. • Multi-currency wallet — Hold and switch between USD, GHS, NGN, SLE, XAF, XOF and more, with clear, upfront FX rates every time you convert. • Fund your way — Top up with Mobile Money, crypto (BTC, ETH, USDT) or bank transfer. Joat bridges local rails into a global USD balance. • Send money instantly — Pay friends and family with a Joat Tag, or cash out to a Mobile Money wallet or bank account across supported countries. • Track everything — See every deposit, conversion, send and spend in one clean transaction history with real receipts. • Spend globally — Use your virtual USD card for subscriptions, online shopping, ads, freelance tools and anything else Mastercard is accepted for. WHY JOAT • Transparent FX — We show the real rate before every conversion. No hidden markups, no last-minute surprises. • Built for Africa — Designed for how money actually moves across the continent, with native support for regional payment methods. • One app, many currencies — Your money moves with you across borders and currencies, without juggling multiple apps. SECURITY YOU CAN TRUST • Biometric unlock (fingerprint / face) on supported devices • App PIN + server-side protection on sensitive actions • Encrypted personal data and continuous fraud monitoring • Instant card freeze and controls in-app WHO IT'S FOR Freelancers getting paid in USD. Shoppers buying globally. Travelers moving between currencies. Creators running ads. Families sending money home. Anyone who needs global spending power from a local phone. Joat Finance is a technology company, not a bank. Card issuance and payment services are provided through our licensed partners. Download Joat Finance and turn local money into global spending power.