Joat Finance
Everyone
info
100+
Downloads
About this app
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.
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.
Your money, across borders.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
What’s new
Here's what's new:
• The app is now smaller and faster ⚡
• No more "Install app" pop-up inside the app — you've already got it 🙂
• New offline screen if your connection drops — no more blank page
• Your card details and balances are now protected from screenshots and screen recording 🔒
• Typing an amount when buying is smoother — your phone's own keyboard, with quick amount buttons
• Lots of small fixes and polish
• The app is now smaller and faster ⚡
• No more "Install app" pop-up inside the app — you've already got it 🙂
• New offline screen if your connection drops — no more blank page
• Your card details and balances are now protected from screenshots and screen recording 🔒
• Typing an amount when buying is smoother — your phone's own keyboard, with quick amount buttons
• Lots of small fixes and polish
App support
About the developer
JOAT INVESTMENT LTD LLC
joattechsolutions@gmail.com
1603 Capitol Ave Ste 4133487
Cheyenne, WY 82001-4569
United States
+233 55 696 4723
