YouReward
Loyalty that keeps customers coming back
Points, tiers, games and campaigns that give customers a reason to stay.
For banks, telcos, retailers, travel and transport
Launch your own loyalty programme, digital bank, payments platform, travel wallet or merchant platform. Keep customers longer.
Built for enterprises that want to engage, retain and grow their customers. Run loyalty, banking, payments, travel and commerce on one platform, all under your own brand.
Your customers already use other apps for things you could offer.
Each one is a reason to leave. Youtap lets you offer the same services in your own app, under your brand.
Engage
Rewards and offers that bring customers back to your app.
Retain
AI agents that spot who might leave, and act first.
Grow
New products that earn more from every customer.
Step 1 of 3. Your systems connect to Youtap through one integration.Step 2 of 3. Switch on the modules you need; the connection stays the same.Step 3 of 3. Customers see your brand, with the new features in your app.
How the platform works
Connect once.
Youtap connects to the systems you already run, through one integration.
- Open APIs
- SDKs
- Webhooks
It sits alongside your core, not in place of it.
Six modules on one platform. Choose the ones you need.
Launch one module or combine all six. Every module runs under your brand and connects through one API.
YouPay
One wallet for every payment
Pay in store, online, in apps and at transit, and send money anywhere, from one wallet.
Example figures, for illustration only.
Built for banks, telcos, retailers, travel and transport.
Every industry launches a different mix of the six modules. Pick yours to see what you would launch.
Stop losing customers to churn.
Your customers open fintech apps for the things your core cannot launch fast enough. Give them cards, lending, rewards and travel money in the bank app they already trust.
- YouBankNew accounts, cards and lending, without replacing your core.
- YouPayA wallet for every customer, in store, online and in-app.
- YouRewardReward salary deposits, card spend and referrals.
- YouTravelMulti-currency accounts and cards for travel.
POWERED BY
YouBankYouPayYouRewardYouTravel
AI agents that keep customers and grow sales.
Our AI agents see your unified data, then reason and act across every module you launch.
Spot the customer who is about to leave, and keep them.
Watches every customer for the signs, picks the offer most likely to work, and sends it before they go.
Find the next product each customer is ready for.
Reads each customer’s behaviour, finds what they are ready for next, and makes the offer at the right moment.
Answer customer questions automatically.
Answers in your app, checks the account, and only hands over to your team, with the full context, when it needs to.
How a telco uses YouReward to keep subscribers.
Reward subscribers for staying, paying on time and using your app, with dollars or points they spend in your stores. AI agents spot the ones who are drifting and send the right offer.
Integrate once, expand without limits.
Add loyalty to a live wallet, or acceptance to a live bank, without changing your core systems. Your customers see a new feature, not a new app.
Designed to integrate with your existing platforms and applications.
Youtap sits alongside your core, not in place of it. Connect once through open APIs, and every module shares that connection.
Open APIs
REST APIs across every module.
SDKs
For iOS, Android and web.
Webhooks
Real-time events into your own systems.
Pre-built connectors
For core banking platforms such as Mambu.
Cloud-native
On Microsoft Azure or AWS, with data residency by market.
Trusted by banks, financial institutions, telecommunications providers and retail conglomerates across Asia-Pacific.
Built for regulated financial services, with the certifications, cloud partnerships and controls their security reviews require.
PCI DSS compliant
Validated by an independent PCI Qualified Security Assessor.
Cloud partners
Runs on Microsoft Azure
Latest from Youtap
Product updates, industry insight and company news from Youtap.
Frequently asked questions
What enterprise teams ask us most, about the platform, integration and getting started.
01
Youtap is one cloud-native enterprise platform that combines banking, payments, loyalty and commerce, with AI agents that help organisations acquire, engage and retain customers, all launched under your own brand.
02
Banks and financial institutions, telecommunications providers, retail conglomerates, airlines and travel organisations, public transport operators and payment processors.
03
Yes. Each of the six modules (YouBank, YouPay, YouAccept, YouReward, YouTravel and YouShop) runs on the same cloud-native core, so you can launch one and add others later without connecting your systems again.
04
No. Youtap sits alongside your core, connecting to your core banking, payment, CRM, identity and data platforms through secure, API-first integration, so you add new services without replacing the systems you already run.
05
Yes. Every module is white-label: customers see your app, your card and your name.
06
Youtap’s AI agents see the customer, transaction and engagement data across the modules you launch. The retention agent spots customers about to leave and sends the offer most likely to keep them, the growth agent finds the next product each customer is ready for, and the support agent answers customer questions in your app, handing over to your team with full context when it needs to.
07
Yes. Youtap is built for regulated financial services and large enterprises, with PCI DSS compliance, role-based access, audit trails, KYC and KYB, card-scheme support, and cloud-native scale on Microsoft Azure.
08
Youtap brings banking, payments, loyalty and commerce together on one platform under your brand, with AI agents working across every capability rather than as a separate product.
Talk to us about your customers.
Not sure which modules fit your business? Talk to our team, or explore the platform to see how Youtap fits your bank, telco or retail business.
Or email [email protected]
One connected platform
Banking, payments, loyalty and commerce in a single cloud-native platform.