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Verified only

Feellike a local.

For travellers, nomads and anyone new in town. Discover local food, culture, tours and sights with ID-verified locals, then pay for all of it the way they do: any DuitNow or PayNow QR, bills and mobile top-ups, in one app.

Explore experiences See how it works
ID-verified local hostsDuitNow and PayNow QRNo money changer
Download on the App StoreGet it on Google PlayExplore on AppGallery
Verified local guide showing travellers the street art of George Town, Penang
Local host teaching travellers to make Malaysian kuih in a home kitchen
9:415G
ExploreKuala Lumpur
ID-verifiedSunrise pickleballwith Jeanne
Nyonya cooking classwith Mei Ling
RM 120
George Town street artwith Arif
RM 85
‹Host
Jeanne TanID-verified host
Sunrise pickleball
90 minUp to 4
RM 60per person
Book this experience
‹
Jeanne TanID-verified
Booking confirmedToday, 6:00pm
See you at the courts! I'll bring a spare paddle.
Perfect, on my way
‹ScanDuitNow QR

DuitNowQR

Kopi Limau

Point at any DuitNow QR

Paid RM 24.50

to Kopi Limau

Bangsar, KL

+ RM 0.73 cashback
  1. Find a local
  2. Book in chat
  3. Meet your host
  4. Pay anywhere
3.2m+
DuitNow and PayNow merchants
1 app
Discover, book and pay
< 1 min
To get verified

Three steps. Then it just works.

1Verified only

Verify once

MyKad, passport or Singpass. Under a minute. Everyone you meet, chat with or pay is verified too.

2

Discover and book

Cooking classes, street food walks, tours, sights and the locals who know them. Chat, book and pay in one thread.

3

Pay like a local

Scan any DuitNow or PayNow QR, pay a bill, reload a SIM. You see the local price, the merchant is paid in local currency.

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.

Browse activitiesBecome a host
Culinary Arts

Culinary Arts

Cultural Tours

Cultural Tours

Outdoor Adventures

Outdoor Adventures

One wallet

What you can pay, and where.

Everything below runs from the same balance. Malaysia and Singapore are live today, and the same wallet opens up to more local QR schemes across the region from 2027.

Live today in Malaysia and SingaporeLive now

DuitNowPayNow

DuitNow and PayNow QR

Shops, stalls, drivers across Malaysia and Singapore. 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

Split the bill and send money to verified contacts.

Where it works

Local QR schemes, country by country.

Scan the local QR the way residents do. You see the merchant's price and what your balance is charged, with the rate locked before you confirm.

Live nowDuitNow QR

Malaysia

DuitNow QR

Live nowPayNow QR

Singapore

PayNow QR

2027QRIS

Indonesia

QRIS

2027JPQR

Japan

JPQR

2027ZeroPay, SeoulPay

South Korea

ZeroPay, SeoulPay

2027WeChat Pay

China

WeChat Pay

2027VietQR

Vietnam

VietQR

2027KHQR

Cambodia

KHQR

2027PIX

Brazil

PIX

Rolling out in stages.

Cashback

Cashback at partner merchants.

Paid instantly to your balance at partner cafes, restaurants, activities and experiences. Funded by the merchant.

Become a partner

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.

Competitive FX rates on top-ups, powered bySera

Sanctuary SpaMont Kiara, KL

RM240.00

RM 40.00 short
Topped up RM 40.00 via DuitNow
Top up and pay RM 240.00
DuitNowCard

Questions

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 their local currency.

Fully reserved

Your balance 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 the funds in your YouApp wallet.

Trust and safety

Fees and limits

Shown before you confirm.

YouApp fee, scan to pay
as low as 1.7%
Card processing
as low as 2.5%
Per transaction
RM5,000
Per year
RM150,000

Feel like a local

Verify once. Pay like a local.

Takes under a minute. Then any DuitNow QR in Malaysia and any PayNow QR in Singapore is yours.

Download on the App StoreGet it on Google PlayExplore on AppGallery

Browse as a guest first. No sign-up to look around.

Conversion powered bySera(sera.cx), a non-custodial settlement provider.

Non-custodial wallet powered byPrivy(a Stripe company)

Every payment, conversion and settlement is provided by licensed parties. Your YouApp wallet is non-custodial: YouApp never holds or touches the funds in it. Your balance is held in MYRT, a limited-purpose ringgit payment token minted and redeemed 1:1 for ringgit, with its reserve held at a licensed Shariah-compliant fund.

YouApp

Travel like a local. Pay like a local.

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Hosts

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  • Become a Partner
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  • Merchant Partnership Terms

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  • Wallet and Scan to Pay Terms
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