Our Services

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For Individuals

Ryat Wallet

Consultez is the destination where early adopters and innovation enthusiasts discover cutting-edge technology

Send & Receive Instantly

Experience real-time international transfers with zero delays and full transaction visibility.

Virtual & Physical Cards

Access globally accepted cards to shop, withdraw, and pay with complete security (PCI DSS–compliant).

Multi-Platform Access

Manage your funds seamlessly through mobile, web, or USSD — anytime, anywhere.

Currency Exchange

Convert between multiple currencies instantly using transparent and FSCA-compliant FX rates.

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For SMEs, Corporates & Financial Enterprises

Ryat Business

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Multi-Currency Accounts

Operate globally with secure accounts that support multiple currencies and regions.
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Bulk Payments & Settlements

Automate high-volume payments, payrolls, and settlements with optimized FX conversions.
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API Integration

Connect your systems to Ryat’s API Gateway for real-time payments, collections, and reconciliations.
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Real-Time Analytics

Gain actionable insights through intelligent dashboards that enhance financial visibility and decision-making.
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For Developers, Banks & Fintech Partners

Ryat Infrastructure

Core Ledger

Maintain real-time transaction processing, reconciliation, and secure account management at scale.

FX Engine

Execute automated foreign exchange conversions with live market rates and transparent margins.

Compliance Core

Integrated AML, KYC, and sanctions screening systems — fully aligned with FSCA and FATF international standards.

API Gateway

Enable seamless integration with Ryat’s regulated payment ecosystem for scalable financial innovation.

USSD Layer

Expand digital reach across mobile-first and underserved markets with reliable USSD connectivity.

Security Suite

Enterprise-grade encryption, multi-factor authentication, and continuous fraud detection ensure total data protection.

Providing the backbone for Africa’s financial innovation — regulated, secure, and API-driven.

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Commitment

Regulatory Commitment

Ryat Capital (PTY) LTD operates under license as an authorized Financial Services Provider (FSP) regulated by the Financial Sector Conduct Authority (FSCA) of United Kingdom

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This ensures every client — individual or institutional — benefits from complete compliance oversight, client fund protection, and transparent operational standards.