ApideckTapeMonthly recapMap
← Embedded Finance Index 2026/Stories/Standard Bank (Shyft)
The embedded-finance story

Standard Bank (Shyft)

2000–2026 in 7 milestones, 5 of them in payments, lending, licences or reported financials.

1862
Founded
Johannesburg, South Africa
Headquarters →
3
Licences held
◇ Product■ Partnership○ MilestoneEmbedded finance
2000
○ MilestoneEmbedded finance

Expanded pan-African footprint to 20 African countries, becoming the continent's largest bank by assets.

2018
◇ ProductEmbedded finance

Launched Shyft, a consumer-facing global money app for forex, international payments and travel cards, positioned as a fintech product within the Standard Bank Group.

2019
◇ ProductEmbedded finance

Launched Unayo, a digital payments platform enabling unbanked users and merchants to transact via mobile app and USSD across Africa.

2022
◇ ProductEmbedded finance

Launched OneHub API Marketplace for corporate and investment banking clients, enabling programmatic access to payments, FX, and account verification APIs.

2024
■ Partnership

Shyft expanded to include embedded investment capabilities — access to 1,200+ global shares and ETFs across NYSE, LSE, FSE, and JSE — consolidating it as an all-in-one global money app.

2025
○ MilestoneAugEmbedded finance

Shyft updated its 'What is Shyft?' page, confirming expanded investment and global payments capabilities including access to 1,200+ shares/ETFs and multi-currency wallets.

Source ↗
2026
○ MilestoneApr

Shyft published ESG investing content, signalling continued expansion of investment features within the app.

Source ↗