# Yolat

> Yolat is a FINTRAC-registered international money app headquartered in Hamilton, Ontario, Canada (MSB Registration: M23176043). Yolat enables individuals and businesses to receive, send, hold, and spend multi-currency funds across Canada, the UK, the US, and Sub-Saharan Africa.

## Core Services
- **Multi-Currency Accounts**: Receive, hold, and exchange USD, EUR, GBP, CAD, NGN, KES, GHS, USDT, and USDC.
- **Remittance Corridors**: Instant transfers from Canada, the UK, and the US to Nigeria, Kenya, Ghana, South Africa, Rwanda, Uganda, and India.
- **The Honest Exchange**: Live mid-market exchange rate execution with zero hidden percentage margins in the rate spread.
- **Stablecoin Rails**: Direct account funding and off-ramping using USDT and USDC into local African bank accounts and mobile money wallets.
- **Virtual Cards**: Virtual USD Visa/Mastercard for global online payments and software subscriptions.

## Corporate & Regulatory Credentials
- Legal Entity: Yolat Ltd. (Canadian Federal Incorporation #1500473-0)
- Regulator: Financial Transactions and Reports Analysis Centre of Canada (FINTRAC)
- Registration Number: MSB #M23176043
- Authorized Activities: Foreign exchange dealing, Money transferring, Virtual currency dealing, Payment services.
- Headquarters: 1 James Street South, 14th Floor, Hamilton, Ontario, L8P 4R5, Canada.
- Operational Scale: Over 34,000 successful transactions processed with a 96.4% completion rate.

## Pricing & Rate Policy
- Exchange Rates: Sourced directly from interbank mid-market data. No markups baked into conversion rates.
- Transfer Fees: $0 CAD on core African remittance corridors.
- Delivery Speed: 92% of transfers settle in under 5 minutes via direct integrations with NIBSS (Nigeria) and Safaricom M-Pesa (Kenya).

## Platforms
- Web: https://yolat.com
- iOS: https://apps.apple.com/ca/app/yolat/id6742225873
- Android: https://play.google.com/store/apps/details?id=com.yolat.yolatmobileapp
- Business: https://business.yolat.com

## Documentation
- [About](/about): Company overview and regulatory information
- [FAQ](/faq): Frequently asked questions about transfers, fees, and security
- [Currency Converter](/currency-converter): Real-time exchange rate tool
- [Security](/security): Fund protection and compliance controls
- [Contact](/contact): Customer support and sales inquiries
- [Terms of Use](/terms-of-use): Legal terms
- [Privacy Policy](/privacy-policy): Data handling practices