Scan any DuitNow QR.Pay with stablecoins.
Send MYRT, XSGD, JPYC, IDRT or USD stablecoins to your wallet. Pay kopitiams, Grab drivers and hawkers in ringgit.
MYRT
XSGD
JPYC
IDRTUSD stablecoinsERC-20
- 0m+
- DuitNow merchants
- 1 : 1
- MYRT to ringgit
- 0 min
- To get verified
Three steps. Then it just works.
Verify once
MyKad, passport or Singpass. Two minutes. Everyone you meet, chat with or pay is verified too.
Top up
ERC-20 stablecoins on Ethereum, or DuitNow and card.
Scan and pay
Any DuitNow QR. You see ringgit, the merchant gets ringgit.
For travellers
Landing somewhere new?
ERC-20 stablecoins automatically convert so you can pay anywhere DuitNow is accepted. No ATM queue, no money changer.
- Send from any wallet or exchange
- We notify you when it lands
- Holding stablecoins in YouApp already? They convert in about a minute
Conversion powered by
(sera.cx), a non-custodial settlement protocol for stablecoins.
Your wallet
Your balance is MYRT.
The Malaysia Ringgit Stablecoin. Top-ups, cashback and sends are in MYRT. At the point of sale, you only see ringgit.
- Minted and redeemed 1:1 with ringgit
- Credited only after conversion confirms
- Hold XSGD, JPYC, IDRT and USD stablecoins alongside it
Non-custodial wallet powered by
Short? Top up and pay in one step.
The pay screen never dead-ends. Add the exact shortfall by DuitNow or card and the payment goes through.
One wallet for everything you pay
DuitNow QR
Shops, stalls, drivers. Anywhere with the QR.
Bills
TNB, Unifi, Air Selangor, PTPTN and more.
Mobile reload
Maxis, CelcomDigi, U Mobile, Yes and more.
Hosts and activities
Book a local and pay in the chat.
Friends
Send and request MYRT from verified contacts.
Cashback
Cashback at partner merchants.
Paid instantly in MYRT at partner cafes, restaurants, activities and experiences. Funded by the merchant.
Feel like a local
Meet the locals. Book the good stuff.
Every host is a verified local. Pickleball with a certified coach, a motorbike tour, a cooking class. Reserve, chat and pay in one place.
Wellness & Yoga
Culinary Arts
Cultural Tours
From 2027
Scan to pay abroad.
The same wallet at local QR codes in more countries. You see the merchant's price and the ringgit amount, with the rate locked before you confirm.
Rolling out in stages.
Malaysia
DuitNow QR
Singapore
SGQR
Indonesia
QRIS
Japan
JPQR
South Korea
ZeroPay, SeoulPay
China
WeChat Pay
Vietnam
VietQR
Cambodia
KHQR
Brazil
PIX
Built on verified identity
Verified only
Every user passes ID and liveness checks. Every chat, meetup and payment is with a real, verified person.
Licensed parties only
Every payment and conversion is handled by licensed parties. Merchants are always paid in ringgit.
Fully reserved
Every MYRT is backed 1:1 by ringgit held at a licensed Shariah-compliant fund.
Your YouApp wallet is yours
Non-custodial. YouApp never holds or touches your YouApp wallet funds or stablecoins.
Fees and limits
Shown before you confirm.
- YouApp fee, scan to pay
- up to 1.5%
- Card processing
- up to 2%
- Per transaction
- RM20,000
- Per month
- RM120,000