Youapp

YouApp is positioned as a social matching platform that combines AI and metaphysical wisdom, used to help users establish connections and arrange offline meetups. However, the official materials currently provided mainly focus on its payment and local activity booking functions; the specific mechanisms, algorithms, or usage processes related to AI matching and fortune-telling have not yet been provided.

1. Purpose According to the materials, YouApp addresses two types of needs: first, socializing and meetups, where users can meet verified locals, chat in the app, and book activities offered by locals; second, local and cross-border payments, where users can top up stablecoins and then scan DuitNow QR to pay merchants in ringgit.

2. Main capabilities

3. DuitNow QR payment: Any DuitNow QR can be scanned and paid with stablecoins; users see ringgit, and merchants also receive ringgit.

4. Stablecoin top-up: Supports sending MYRT, XSGD, JPYC, IDRT, or USD stablecoins to the wallet; it also supports ERC-20 stablecoins on Ethereum, or top-ups via DuitNow and bank cards.

5. MYRT stablecoin: This is the Malaysian ringgit stablecoin, minted and redeemed 1:1 with ringgit, with reserves held in a Shariah-compliant fund; balances, top-ups, cashback, and transfers are all denominated in MYRT, while points of sale display ringgit.

6. Shortfall top-up: When the payment amount is insufficient, the difference can be made up via DuitNow or a bank card so that the payment can continue to be completed.

7. Bill and communication payments: The materials mention that TNB, Unifi, Air Selangor, PTPTN, as well as Maxis, CelcomDigi, U Mobile, Yes, and others can be paid.

8. Activity booking: Activities offered by locals can be booked, such as pickleball with a certified coach, motorcycle tours, and cooking classes, and payment can be made in the chat.

9. Transfers and cashback: MYRT can be sent to and requested from verified contacts; cashback is earned at partner merchants (cafes, restaurants, activities, and experiences), issued instantly in MYRT and funded by the merchant.

10. Cross-border QR payments: The same wallet can be used with local QR codes in more countries, and users can see the merchant price and the ringgit amount, with the exchange rate locked before confirmation; the materials say this is being rolled out in phases and mention ZeroPay and SeoulPay.

11. Identity verification: Users must pass identity document and liveness checks; the materials mention MyKad, passport, or Singpass, completed in about two minutes; the people users meet, chat with, and pay are all verified.

12. Payment access methods: The materials state that conversions are powered by sera.cx,It is a non-custodial settlement protocol for stablecoins.

III. How to Use

1. First browse as a guest; you can view without registering.
2. Complete identity verification once with MyKad, passport, or Singpass, taking about two minutes.
3. Top up: by sending MYRT, XSGD, JPYC, IDRT, or USD stablecoins to the wallet, or by using Ethereum ERC-20 stablecoins, DuitNow, and bank cards. The materials mention sending from any wallet or exchange, and you will be notified upon arrival; if you already hold stablecoins in your wallet, conversion is completed in about one minute.
4. Pay: point at any DuitNow QR; you can view fees and limits before confirming.
5. Social and activities: choose verified locals as activity providers, book, chat, and pay in the chat.

IV. Use Cases

• Pay at local Malaysian merchants, stalls, drivers, and other places that support DuitNow QR
• Pay utilities, internet, tuition loans, and mobile communication bills
• Use stablecoins to pay when visiting new places, avoiding ATM queues and currency exchange
• Meet locals and book activities such as pickleball, motorcycle tours, and cooking classes
• Earn cashback when spending at partner merchants
• Scan to pay with local QR codes in some countries/regions (phased rollout)

V. Limitations and Notes

• The wallet is non-custodial: YouApp does not hold or touch user wallet funds or stablecoins.
• All payments, conversions, and settlements are provided by licensed parties; merchants always receive payment in ringgit.
• MYRT is a limited-purpose stablecoin, minted and redeemed 1:1 with the ringgit, with reserves held in licensed and Shariah-compliant funds.
• Fees and limits are displayed before confirmation.
• Cross-border QR code payments are being rolled out in phases.
• Information such as the specific implementation, pricing, and available regions of AI matching and metaphysical wisdom has not yet been provided.