Union54 (YC S21)

Union54 is a fintech company based in Lusaka, Zambia, and a Y Combinator S21 startup.

Founded in 2020, it specializes in providing a card-issuing API that allows African businesses to issue and manage debit cards without the need for a bank or third-party processor. The company offers a developer-first platform that supports the launch of both virtual and physical debit cards, streamlining the card issuance process for fintechs and software companies. Union54's product suite includes card-based financial infrastructure tailored for African fintechs, digital banks, and payment gateways. This infrastructure supports various applications, such as ledger-linked cards, BNPL, corporate cards, and mobile wallets. The company's flagship product, ChitChat, is an integrated messaging and payments platform designed for Africa, featuring secure messaging, USD card capabilities, and cross-border payments. Additionally, Union54 has introduced GovChat, a platform for government entities that facilitates secure communication and financial transactions while ensuring data protection compliance.