Youtap - YouTravel Multi-currency Travel Application & Card Platform

• Multi-Currency Support: Hold, convert, and spend in multiple currencies at real-time exchange rates with transparent fees.
• Global Acceptance: Linked physical and virtual Visa / Mastercard debit cards, usable in 150+ countries for POS, e-Commerce, and ATM withdrawals.

• A white-label digital eWallet application compatible with Apple Pay and Google Pay, delivered with a mobile application that allows users to manage their Multi-Currency Travel Card. Designed for banks, fintechs, and enterprises, the solution provides:

  • Digital Onboarding with full KYC/KYB compliance.

  • Seamless Funding via bank account, Apple Pay, or Google Pay.

  • Money Movement: receive funds, send funds, and make payments.

  • Payments Flexibility: person-to-person transfers, QR code payments, and Visa/Mastercard card payments.

  • Integrated Savings: goal-based travel savings for individuals and groups. Savings Envelopes: Goal-based savings features that let customers set aside funds for specific trips, track progress, and spend directly from travel balances.

  • Currency Conversion at real exchange rates with transparent fees.

  • Whitelabel Customization: fully brandable wallet, cards, and user experience.

  • ATM Withdrawals: Access global cash with fee-free monthly allowances and transparent charges beyond limits.

  • Full Security Suite: Biometric login, 2FA, real-time transaction alerts, instant card freeze/unfreeze, and 3D Secure online payments.

  • Regulatory Compliance: PCI DSS certified, with tiered KYC/AML verification and full reporting tools.

  • Customizable Whitelabel: Fully brandable UI, customer experience, and card design, giving your bank or institution complete ownership of the customer journey.

• APIs for integration into Core Banking, Foreign Exchange, ERP, Identity, AML, and Security Platforms.

Benefits for Banks and Enterprises

• Faster time-to-market: Deploy on Azure (Microsoft MACC compliant) with a proven, secure, and scalable architecture.

• Customer retention: Increase engagement with value-added travel services and savings tools.

• Revenue growth: Earn from FX conversions, card usage, interchange, and premium travel features.

• Brand differentiation: Deliver a modern, global travel solution under your own brand.

Powered by Microsoft Azure

Built natively on MS Azure, Youtap’s YouTravel solution delivers enterprise-grade scalability, security, and reliability, ensuring compliance with global standards while integrating seamlessly with your existing infrastructure. Deployed on Microsoft Azure using BYOL (Bring your own license)