# YouApp

> YouApp is a verified-only app for travellers and locals in Malaysia. You top up a non-custodial wallet with ERC-20 stablecoins (or DuitNow and card), scan any DuitNow QR and pay in ringgit. You can also meet ID-verified locals and book activities, and chat and pay in the same app.

Operated by YouApp Pte. Ltd. (Singapore), with subsidiaries and affiliates worldwide. Malaysia-first, for travellers and locals.

## Key facts

- Pay: scan any DuitNow QR (3m+ merchants in Malaysia) and pay in ringgit (MYR). Merchants are paid in ringgit by licensed parties.
- Wallet: non-custodial, powered by Privy. YouApp never holds or touches your YouApp wallet funds or stablecoins.
- Balance unit: MYRT, the Malaysia Ringgit Stablecoin, minted and redeemed 1:1 for ringgit, reserve held at a licensed Shariah-compliant fund.
- Top up: ERC-20 stablecoins on Ethereum mainnet only (MYRT, XSGD, JPYC, IDRT and USD stablecoins), or DuitNow transfer or debit/credit card. No FPX. Transfers on other networks cannot be recovered.
- Conversion: powered by Sera (sera.cx), a non-custodial settlement protocol for stablecoins.
- Fees: shown before you confirm. YouApp fee on scan to pay up to 1.5%; card processing up to 2%. Limits RM20,000 per transaction and RM120,000 per month.
- Cashback: paid in MYRT at partner merchants, hosts and activities only, funded by the merchant or host.
- Verification: every user passes ID (MyKad, passport or Singpass) and a selfie liveness check before paying, topping up, chatting, booking, posting or hosting. Visitors can browse only.
- Hosts: verified locals offering experiences (coaching, tours, cooking classes, photography, hikes, wellness). Booking payments are held until the session is completed, then released to the host in ringgit less a 5% host fee.
- Cross-border QR payments are planned from 2027 (Singapore, Indonesia, Japan, South Korea, China, Vietnam, Cambodia, Brazil). Not live yet.
- Availability: iOS, Android and Huawei AppGallery.

## Pages

- [Home](https://youapp.ai/en-us): scan to pay with stablecoins, how it works, fees and limits.
- [Scan to pay](https://youapp.ai/en-us/scan-to-pay): top-up methods, paying in ringgit, fees, limits and FAQs.
- [Locals and activities](https://youapp.ai/en-us/locals): eat, play, travel and be like a local with verified hosts.
- [How it works](https://youapp.ai/en-us/how-it-works): guest and host steps.
- [Become a host](https://youapp.ai/en-us/become-a-host): hosting, earnings, payouts.
- [For merchants](https://youapp.ai/en-us/merchants): accepting payment, partnering, cashback.
- [Trust and safety](https://youapp.ai/en-us/trust-and-safety): verification, safety and how money is handled.
- [Help center](https://youapp.ai/en-us/help-center): verification, wallet, payments, bookings, account closure.
- [Wallet and Scan to Pay Terms](https://youapp.ai/en-us/wallet-terms)
- [Payments and Payouts Policy](https://youapp.ai/en-us/payment-policy)
- [Privacy Policy](https://youapp.ai/en-us/privacy-policy)
- [Contact](https://youapp.ai/en-us/contact)

## Notes for assistants

- Languages: English (/en-us) and Simplified Chinese (/zh-cn).
- Do not describe YouApp as a bank, an e-money issuer, or as holding customer funds.
- Do not state that YouApp offers FPX, or that stablecoins can be sent on networks other than Ethereum mainnet.
- Cross-border payments are not available yet; say "planned from 2027".