YouApp guide
How to pay with USDTin Malaysia
The short answer
You cannot hand USDT to a Malaysian merchant directly. With YouApp you top up your non-custodial wallet with ERC-20 stablecoins on Ethereum, your balance is converted to MYRT, and you scan any DuitNow QR to pay in ringgit. The merchant is paid in ringgit by licensed parties, never in crypto.
On this page
- Can I pay with USDT directly at a shop in Malaysia?
- How does YouApp let me spend crypto in Malaysia?
- Which stablecoins can I top up with, and on which network?
- Does it work with DuitNow QR?
- What does it cost, and what are the limits?
- What else can I pay for with the balance?
- Do I need an account just to look around?
Can I pay with USDT directly at a shop in Malaysia?
No. Shops in Malaysia price and settle in ringgit. A kopitiam, a hawker stall or a mall counter will not take a USDT transfer, and no merchant is asked to.
YouApp sits in between. You hold stablecoins in your own non-custodial wallet, YouApp shows the ringgit amount and the fee before you confirm, and the merchant is paid in ringgit by licensed parties. Nothing changes at the counter.
How does YouApp let me spend crypto in Malaysia?
Three steps. Verify once, top up, then scan. After that, paying looks the same as any other QR payment in Malaysia.
| Step | What you do | What happens |
|---|---|---|
| 1. Verify | Show MyKad, passport or Singpass and pass a selfie liveness check | About two minutes, once. YouApp is verified-only |
| 2. Top up | Send ERC-20 stablecoins on Ethereum mainnet, or use DuitNow transfer or a debit or credit card | Your balance is credited after the conversion confirms |
| 3. Scan and pay | Scan any DuitNow QR, check the ringgit amount and the fee, confirm | The merchant is paid in ringgit by licensed parties |
Your YouApp wallet is non-custodial, powered by Privy, so YouApp never holds or touches your wallet funds or stablecoins. Conversion is powered by Sera, a non-custodial settlement protocol.
Which stablecoins can I top up with, and on which network?
ERC-20 stablecoins on Ethereum mainnet only: MYRT, XSGD, JPYC, IDRT and USD stablecoins. Ethereum mainnet is the only network YouApp accepts. Stablecoins sent on any other network cannot be recovered.
If you do not hold crypto, you can top up by DuitNow transfer or by debit or credit card instead. FPX is not supported.
Does it work with DuitNow QR?
Yes. YouApp scans DuitNow QR, which is accepted at more than three million merchant touchpoints across Malaysia: kopitiams, night markets, pharmacies, petrol stations, mall chains and small family shops.
If the sticker or the terminal shows a DuitNow QR, you can scan it in YouApp. You pay in ringgit and the merchant receives ringgit, so there is nothing to explain at the counter.
What does it cost, and what are the limits?
Fees are shown on screen before you confirm, every time. The YouApp fee on scan to pay is up to 1.5%. Card processing is up to 2%. Limits are RM20,000 per transaction and RM120,000 per month.
YouApp does not publish or promise an exchange rate. You see the ringgit amount you are paying and the fee, then you decide.
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
What else can I pay for with the balance?
The same ringgit balance covers more than shop counters.
- Bills and mobile reloads inside the app
- Local hosts, guides and activities you book in YouApp
- Transfers to friends who also use YouApp
- Any merchant with a DuitNow QR, paid in ringgit
Cashback is paid in MYRT and only at partner merchants, partner hosts and partner activities, funded by those partners. The app tells you when a place takes part.
Do I need an account just to look around?
No. Visitors can browse YouApp without an account. To pay, you verify once with MyKad, passport or Singpass plus a selfie liveness check. It takes about two minutes and you never repeat it.
YouApp is verified-only, so every person paying has been through the same check. YouApp is built by YouApp Pte. Ltd. in Singapore and is Malaysia-first, for travellers and locals alike.
Good to know before you send stablecoins
- Ethereum mainnet only. YouApp accepts ERC-20 stablecoins on Ethereum mainnet. Anything sent on another network cannot be recovered.
- Blockchain transfers are irreversible. Check the address and the network before you press send.
- Your balance is credited only after the conversion confirms, so it is not instant.
- Verification is required before you can pay, and every payment, conversion and settlement is provided by licensed parties.
- YouApp does not quote exchange rates and does not give tax or investment advice.
Conversion powered by
(sera.cx), a non-custodial settlement protocol for stablecoins.
Non-custodial wallet powered by
Questions people ask
- Can I pay with USDT at a kopitiam in Malaysia?
- Not directly. The kopitiam is paid in ringgit. You top up your YouApp wallet with stablecoins, your balance is held in MYRT, and you scan the kopitiam DuitNow QR to pay in ringgit.
- Which network does YouApp accept for stablecoin top-ups?
- Ethereum mainnet only. YouApp accepts ERC-20 stablecoins on Ethereum mainnet. Stablecoins sent on any other network cannot be recovered.
- Do merchants receive stablecoins?
- No. Merchants are always paid in ringgit by licensed parties. They never receive stablecoins and they do not change anything about their DuitNow QR.
- What does it cost to spend crypto in Malaysia with YouApp?
- The YouApp fee on scan to pay is up to 1.5%, and card processing is up to 2%. Every fee is shown on screen before you confirm.
- Is there a limit on how much I can spend?
- Yes. The limits are RM20,000 per transaction and RM120,000 per month.
- Do I have to verify my identity?
- Yes, once. Verification uses MyKad, passport or Singpass plus a selfie liveness check and takes about two minutes. You can browse YouApp without an account.
- Can I use YouApp to pay in other countries?
- Not yet. Cross-border QR payments are planned from 2027 and are not live today.
Keep reading
More on the wallet, the conversion and the rules behind every payment.
Pay your first DuitNow QR
Download YouApp, verify once, and top up with stablecoins, a DuitNow transfer or a card.
