Comparison
YARDA compared with global tools
The large transaction monitoring platforms are designed for banks and fintechs present in many countries. YARDA is designed for money transfer and mobile money operators in the WAEMU. Here is what it does, what it does not do yet, and when a global tool will suit you better.
What YARDA does today
Each row describes the product as it works today, with its limit when it has one.
| Capability | YARDA | Detail |
|---|---|---|
| Real-time scoring through an API | Yes | A decision before execution, with its reasons. |
| File upload with no development | Yes | CSV or JSON, from the console. |
| Reading a database | In part | PostgreSQL only, on a read-only view. |
| SFTP delivery | No | Files are sent from the console. |
| Notifications to your system (webhooks) | No | Your team follows alerts in the console and can receive them by e-mail. |
Receiving transactions
Real-time scoring through an API
Yes
A decision before execution, with its reasons.
File upload with no development
Yes
CSV or JSON, from the console.
Reading a database
In part
PostgreSQL only, on a read-only view.
SFTP delivery
No
Files are sent from the console.
Notifications to your system (webhooks)
No
Your team follows alerts in the console and can receive them by e-mail.
| Capability | YARDA | Detail |
|---|---|---|
| Models trained on your own data | Yes | Unusual behaviour as soon as your history allows; a supervised model once your labels are enough. The graph model is still in research. |
| Rules without code | Yes | IF/THEN editor, replay on the history, approval by a second person. |
| Typologies of the region | Yes | Eight built-in typologies, from the SIM swap to splitting at one agent. |
| An explanation for every decision | Yes | Reasons and the decisive cause, in French and in English. |
Detecting
Models trained on your own data
Yes
Unusual behaviour as soon as your history allows; a supervised model once your labels are enough. The graph model is still in research.
Rules without code
Yes
IF/THEN editor, replay on the history, approval by a second person.
Typologies of the region
Yes
Eight built-in typologies, from the SIM swap to splitting at one agent.
An explanation for every decision
Yes
Reasons and the decisive cause, in French and in English.
| Capability | YARDA | Detail |
|---|---|---|
| Cases and four-eyes approval | Yes | Timeline, comments, due dates, approval by another person. |
| Suspicious transaction report in the CENTIF format | In part | The CENTIF Côte d’Ivoire form; the YARDA layout for other countries. Filing remains yours. |
| Figures for the annual report to the BCEAO | In part | Two of the eight points of article 12 of Instruction 001-03-2025. |
| Sanctions screening | In part | The United Nations consolidated list and the national list of Côte d’Ivoire. |
| Politically exposed persons | No | This status remains assessed by your institution. |
| Identity and document verification | No | Customer due diligence stays in your system. |
Investigating and reporting
Cases and four-eyes approval
Yes
Timeline, comments, due dates, approval by another person.
Suspicious transaction report in the CENTIF format
In part
The CENTIF Côte d’Ivoire form; the YARDA layout for other countries. Filing remains yours.
Figures for the annual report to the BCEAO
In part
Two of the eight points of article 12 of Instruction 001-03-2025.
Sanctions screening
In part
The United Nations consolidated list and the national list of Côte d’Ivoire.
Politically exposed persons
No
This status remains assessed by your institution.
Identity and document verification
No
Customer due diligence stays in your system.
| Capability | YARDA | Detail |
|---|---|---|
| Console built in French, BCEAO and CENTIF vocabulary | Yes | In French and in English. |
| Usable on a slow network | Yes | Journeys checked on every release against a 3G profile. |
| Hosting in the WAEMU | No | United States today; regional hosting is under study. |
| ISO 27001 or SOC 2 certification | No | None to date. |
| Single sign-on (SSO) | No | Each user has an account, with two-factor authentication. |
| Billing in CFA francs | Yes | After a free diagnostic on your data. |
Operating
Console built in French, BCEAO and CENTIF vocabulary
Yes
In French and in English.
Usable on a slow network
Yes
Journeys checked on every release against a 3G profile.
Hosting in the WAEMU
No
United States today; regional hosting is under study.
ISO 27001 or SOC 2 certification
No
None to date.
Single sign-on (SSO)
No
Each user has an account, with two-factor authentication.
Billing in CFA francs
Yes
After a free diagnostic on your data.
As of 18 October 2026.
Why YARDA
What sets it apart
Designed for your operations
Agents, cash-in and cash-out, diaspora corridors, SIM swaps: the signals of your business, not those of a European retail bank.
Your authorities’ forms
The report in the CENTIF Côte d’Ivoire format, the figures of article 12 of the BCEAO instruction, the vocabulary of your texts.
No IT project to start
A file export is enough for the diagnostic, then for monitoring; the API comes when you are ready.
Built for your networks
A console checked on a slow network, prices in CFA francs, support in French.
In all frankness
When a global tool will suit you better
A global tool will probably be a better choice if:
- you operate on several continents and want one tool for all your subsidiaries;
- you need screening of politically exposed persons or broader sanctions lists, such as those of OFAC, the European Union or the United Kingdom;
- your partners require a security certification or hosting in a specific region;
- you want identity verification and screening in the same tool.
This comparison names no vendor: their capabilities vary from one to the next. Check with each what it really covers in your country.
Compare on your own data
The free diagnostic shows you what YARDA finds in your history: the best comparison is the one made on your transactions.