Our vision – to be the leading digital banking platform in the MEA region and emerging markets, making financial services seamless and accessible to everyone.

Managing your money doesn’t need to be a tedious job – which is why we’ve simplified it.

Our Story

YAP is PAY backwards – and that’s what we’re here to simplify. Working with RAKBANK, we created a digital banking app that gives everyone financial control. The idea for YAP came to life when a group of like-minded individuals were having dinner and realized how difficult it was to perform a simple transaction or transfer – especially for people who depend on them.

Our Values

Smart

We've geared up with the latest technology to easily help you make financially intelligent decisions.

Secure

Security is our top priority. We are proudly backed by RAKBANK to make sure that your money is kept safe and secure at all times.

Simple

We know that dealing with money can be frustrating, which is why we made YAP incredibly easy to use.

Seamless

Get easy access to all our products in one place, and make YAP customizable to your needs.

Service-oriented

YAP is designed with a user-centered focus - meaning you come first. Personalize YAP in a way that works for you best.

Sustainable

Gain full visibility on your spending via our in-app analytics tool and make financial decisions easier.

Our people

Our team is a group of innovators who envision progressive digital banking, transparency, and financial inclusion. These are the people who make YAP’s values come to life.