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.

Youtap - YouBank Digital Banking PlatformYoutap Mobile Money Asia PTE Limited

Youtap - YouBank Digital Banking Platform

Youtap Mobile Money Asia PTE Limited

Youtap - YouBank Digital Banking Platform

Youtap Mobile Money Asia PTE Limited

Youtap - YouBank Digital Banking Platform
Youtap Mobile Money Asia PTE Limited