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Youtap - YouBank Digital Banking Platform

Youtap Mobile Money Asia PTE Limited

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Youtap - YouBank Digital Banking Platform

Youtap Mobile Money Asia PTE Limited

A secure, cloud-based digital banking platform that enables banks to launch and scale modern banking

YouBank, powered by Youtap Technology Limited, is a white-label, cloud-native digital banking solution designed for financial institutions, fintechs, and enterprises seeking to deploy innovative digital banking services rapidly. Built on Microsoft Azure, the platform offers a secure, compliant, and highly scalable environment for launching multi-account, multi-currency banking, payments, and customer engagement solutions.

Key Capabilities

  • Multi-Account & Multi-Currency Banking
    Enable customers to open and manage multiple accounts across currencies in a single, unified platform.

  • Comprehensive Payments Suite
    Facilitate seamless local and international payments, including card services, digital wallets, QR, and contactless payments.

  • Rewards & Loyalty Integration
    Drive customer engagement with embedded loyalty, rewards, and cashback features tailored to user behavior.

  • Money Movement Tools
    Built-in functionality for P2P transfers, remittances, and bill payments, ensuring convenience and financial inclusion.

  • Customer-Centric Insights
    Leverage advanced analytics to provide customers with spending insights, budgeting tools, and personalized financial advice.

  • Flexible Extensions
    Support for additional modules including lending, insurance, merchant acquiring, and embedded finance

  • Loan Origination

Streamline loan origination with fully digital workflows—from application and credit scoring to approval and disbursement—accelerating customer access to credit while reducing operational overhead.

Technology & Architecture

  • Cloud-Delivered Infrastructure
    Powered by Microsoft Azure for global scalability, resilience, and cost efficiency.

  • Security & Compliance
    PCI-DSS certified, ISO 27001, and ISO 8583/20022 compliant to meet stringent global regulatory standards.

  • API-Driven Ecosystem
    Rich set of APIs for integration with core banking systems, third-party providers, and fintech ecosystems.

  • White-Label Ready
    Fully brandable, multi-tenant architecture allowing institutions to launch under their own brand with minimal time to market.


Use Cases

  • Banks & Neobanks: Launch new digital-first offerings or extend traditional banking services.

  • Fintechs: Accelerate product rollout with ready-to-go payments, lending, and customer engagement modules.

  • Enterprises: Provide embedded financial services for loyalty, supply chain finance, and employee benefits.

  • Emerging Markets: Promote financial inclusion through mobile-first, multi-currency, and digital lending solutions.

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