Yellow Card, Block's TBD which is a Bitcoin-centric developer platform, has enabled a network of fiat on- and off-ramps and Bitcoin payments throughout 16 African countries. This initiative seeks to facilitate compliant cross-border payments and fiat off-ramps by lowering the barriers to entry for liquidity exchanges and international payments. Web5 and the tbDEX liquidity network have secured Yellow Card as a launch partner. Using the currently existing mechanisms, cross-border transfers in Africa can incur costs of about 10% and take several days to clear. A live proof of concept for payment rails from the United States to Ghana, Nigeria, and Kenya was done in March 2023 by TBD and Yellow Card. U.S. Dollars can be used to initiate transfers, while local currencies can be received in recipient bank accounts or mobile money wallets like M-PESA and MTN. TBD supports the trading of digital assets for local fiat currency by converting US dollars into Bitcoin or stablecoins. In addition, recipients can elect to hold their value in Bitcoin or USD stablecoins, which is particularly valuable if they live in areas experiencing local currency volatility or hyperinflation. The next step for TBD is to create identification, trust, and transaction protocols that are distributed and allow for the widespread use of decentralized, trusted transactions. One of TBD's first partners, Yellow Card will allow end users to send US Dollars or Bitcoin and receive local currency payments. TBD offers APIs and developer services that make it simple for app makers to incorporate features that let end users conduct these kinds of transactions in real time. The collaboration is an integral aspect of Block's plan to create worldwide gateways for Bitcoin use in commercial and financial settings.