The Platform That
Runs Your Business
Financial services, lending automation, value chain operations, agriculture intelligence, and enterprise reporting — all in one cloud-native, API-first platform designed for the realities of emerging markets.
Financial Services
Payments, wallets, tokens, and agent banking — unified.
YoApp's financial services layer handles every type of monetary transaction your business needs — from airtime sales and electricity tokens to multi-channel payments and agent float management — with automatic GL posting and full audit trail on every event.
Airtime Top-Up
Sell mobile airtime across all major networks in real time. Auto-reconciliation, commission tracking, and agent float management built in.
Electricity Tokens
Generate prepaid tokens via direct utility API integration. SMS/print delivery, token reprint, and full usage audit trail.
Service Vouchers
Issue, manage, and redeem digital vouchers for any service. Bulk issuance, custom denominations, expiry rules, and redemption tracking.
Payments
Multi-channel collections, disbursements, and transfers. Mobile money, bank, card, USSD — all reconciled in one ledger with configurable approval workflows.
Currency Management
Multi-currency wallets, live FX rate feeds, automatic conversion, and GL posting in base and foreign currency simultaneously.
Agent Portal
Mobile-first interface for field agents. Process all services, manage float, track commissions, onboard customers — online or offline.
Branch Management
Configure and manage your entire branch network — settings, staff, limits, services, and performance — from a single admin panel.
Customer Registry
Centralised KYC profiles, transaction history, segmentation, and limit controls. One record per customer across all channels.
Notifications Engine
Event-driven alerts via SMS, email, and push. Configurable triggers, branded templates, fallback channels, and delivery tracking.
Lending Automation
End-to-end loan lifecycle management.
From the first application to final settlement — YoApp automates every stage of the lending process. Configure your own loan products, define approval workflows, calculate interest automatically, and manage collections without spreadsheets or manual intervention.
Loan Origination
Mobile-first application forms linked directly to configurable approval workflows. Capture exactly the data your credit team needs.
Approval Workflows
Multi-level maker-checker approval flows. Define who approves what, set thresholds, and enforce dual authorisation for high-value loans.
Interest Calculation
Support for flat, reducing-balance, and compound interest methods. Schedules generated automatically at disbursement.
Repayment Scheduling
Automated repayment schedules with configurable grace periods, penalty triggers, and early-repayment rules.
Collections & Arrears
Automated collections triggers, arrears escalation, restructuring workflows, and penalty management — all configurable by loan product.
Write-offs & Restructuring
Formal write-off workflows with approval chains. Restructure loan terms without losing the original contract audit trail.
Outgrower Schemes
Track input loans from disbursement through to harvest settlement. Auto-deduct loan balances from produce payment amounts.
Batch Disbursements
Disburse thousands of approved loans in a single batch run — with pre-execution validation, multi-level approval, and post-run reconciliation.
Loan Portfolio Dashboard
Real-time portfolio view: outstanding balances, PAR ratios, collection rates, and trend analytics by loan product, branch, and officer.
Value Chain Operations
Supplier to customer — every step, connected.
YoApp connects every node in your value chain — from supplier onboarding and warehouse management to transporter scheduling and GPS delivery tracking. All data flows into one operational dashboard, updated in real time.
Supplier Onboarding
Configurable KYC and verification workflows for suppliers and agro-dealers. Digital document upload, approval queues, and account activation.
Retailer Network
Onboard and manage your entire retailer or merchant network. Set credit limits, payment terms, and redemption rules per partner.
Product Inventory
Real-time stock control across multiple warehouses and branches. Low-stock alerts, reorder triggers, and variance reporting.
Warehouse Management
Receive, store, pick, and dispatch goods with full movement logging. Multi-location support with bin-level tracking and staff assignment.
Input Distribution
Issue digital input vouchers (seeds, fertiliser, chemicals) to registered farmers. Redeemable only at approved agro-dealers — zero leakage.
Transporter Scheduling
Route planning, driver assignment, and job scheduling. Geo-tagged delivery confirmation and real-time GPS fleet tracking.
Delivery Tracking
End-to-end delivery visibility. Customers and managers track shipments in real time. Proof-of-delivery captured with geo-stamp and signature.
Forms Builder
No-code mobile forms for any data collection need — loan applications, field surveys, KYC capture, stock counts. Link to any of 70+ modules.
Workflow Automation
Define if/then triggers across any module combination. Automate loan stage transitions, approval notifications, stock reorders, and payment releases.
Agriculture & NDVI Intelligence
Satellite-powered agri-finance from field to ledger.
YoApp brings satellite intelligence into your operational workflow. NDVI data, geo-tagged field activities, and agri-loan management combine into a single platform — giving agri-financiers, cooperatives, and input suppliers the data they need to make better decisions, faster.
NDVI Satellite Monitoring
Monitor crop health and land conditions using NDVI satellite imagery. Track vegetation index changes across contracted farmer plots over the growing season.
Farm Geo-Tagging
Capture GPS coordinates of farms, plots, and field activities. Visualise your entire farmer portfolio on a map with drill-down into individual plot data.
Agri-Loan Management
Link field data directly to credit decisions. NDVI health scores, farm size, and historical yield data feed into configurable loan eligibility rules.
Input Voucher Distribution
Issue seed, fertiliser, and chemical entitlements as digital vouchers. Farmers redeem at registered agro-dealers — every redemption logged with dealer ID, timestamp, and GPS.
Harvest Payment Automation
Pay farmers for delivered produce via bulk mobile money transfer. Automatically deduct outstanding input loan balances before crediting the net amount.
Outgrower Scheme Tracking
Manage every farmer in your outgrower programme — inputs issued, hectarage, expected yield, repayment schedule, and harvest outturn — from a single dashboard.
Field Agent Tools
Offline-capable mobile app for field agents to capture geo-tagged farm visits, submit loan applications, and verify farmer identity — syncs when connectivity is restored.
Agro-Dealer Network
Onboard and manage agro-dealers as platform agents. Track input redemptions, commissions, stock levels, and dealer performance from one admin panel.
Programme Reporting
Consolidated agri-programme reports: input utilisation rates, loan performance by crop type, NDVI trends, and harvest payment summaries — export-ready for development finance institutions.
Reporting & Finance
Your books. Your data. Built in.
YoApp replaces the need for a separate accounting system. A fully integrated General Ledger, real-time dashboards, configurable business intelligence reports, and a tamper-proof audit trail — all updated automatically with every transaction.
Transaction History
Complete, searchable, immutable ledger of every transaction. Filter by date, channel, agent, branch, or status. Export to CSV or PDF instantly.
Custom Reporting
Pre-built report library plus a drag-and-drop report builder. Schedule automated email delivery — daily, weekly, or monthly.
General Ledger
Built-in double-entry GL. Every transaction auto-posts the correct debit/credit entries. Real-time balances, trial balance, P&L, and balance sheet on demand.
Bulk Transactions
Upload, validate, approve, and execute thousands of transactions in one run. Partial-success handling, error isolation, and post-execution reconciliation.
Cash & Vaults
Real-time teller and vault cash positions across your network. End-of-day balancing, variance alerts, inter-vault transfers, and full cash movement history.
Audit Trail
Tamper-proof, timestamped log of every system action. Logins, approvals, config changes, data access — all captured. Cannot be edited or deleted.
Service Reports
Per-service performance breakdowns: volumes, values, success rates, failure analysis, peak hours, and revenue contribution — with comparative period views.
Real-Time Dashboard
Operational command centre: live transaction feed, revenue totals, agent activity, pending approvals, system health — all configurable with role-based widget visibility.
Batch Management
Schedule bulk operations — payroll, loan disbursements, bulk repayments — with multi-level approval, scheduled execution, and full post-run reconciliation reports.
API-First Architecture
Every module. One clean interface.
YoApp was built API-first from day one. Every capability is accessible via documented REST APIs — enabling seamless integration with your core banking system, ERP, mobile apps, or any third-party service. No hacks, no middleware, no compromise.
REST API Layer
70+ modules fully accessible via clean, versioned REST APIs. JSON request/response, token-based auth, rate limiting, and detailed error codes.
Workflow Automation
Define if/then triggers across any module. Automate loan approvals, payment releases, notification dispatch, stock reorders, and data sync without writing backend code.
Mobile Money Integrations
Production-grade integrations with EcoCash, OneMoney, InnBucks, Mukuru, and major bank APIs. Handles retries, timeout management, and reconciliation automatically.
USSD Channels
Full USSD interface for feature-phone users and low-connectivity environments. All core services accessible without a smartphone or internet connection.
Webhooks & Events
Subscribe to any platform event and receive real-time POST notifications to your endpoint. Retry logic, signature verification, and delivery logging included.
Multi-Tenant Architecture
Fully isolated tenant environments sharing the same infrastructure. Each tenant has independent data, configuration, users, and reporting — with no cross-contamination risk.
Developer Sandbox
Full-featured sandbox environment with test credentials and simulated integrations. Build and test without touching production data or real payment rails.
SMS & Notification APIs
Programmatic SMS dispatch, template management, and delivery reporting — integrated with leading SMS gateway providers and configurable per tenant.
GPS & Satellite Integrations
Plug in GPS fleet tracking providers and NDVI satellite data sources. Field coordinates, delivery proofs, and crop health data flow into the platform automatically.
Security & Compliance
Enterprise-grade security. Audit-ready by design.
Security is not an add-on in YoApp — it is foundational. Every layer of the platform is built with access control, encryption, compliance logging, and fraud prevention as first-class requirements.
Role-Based Access Control
Define roles with granular permissions per module, action, and data type. Super Admin, Branch Manager, Teller, Agent, Auditor — or any custom role you need.
Two-Factor Authentication
Enforce 2FA for any or all user roles. TOTP, SMS OTP, or app-based. Device trust management with revocation controls.
KYC & AML Workflows
Digital document capture, expiry tracking, and watchlist screening hooks. KYC completion rate reporting and re-verification reminders built in.
Audit Trail
Immutable, timestamped log of every system event. Cannot be edited or deleted by any user — including Super Admins. Exportable for regulatory submissions.
Data Encryption
End-to-end TLS for all data in transit. AES-256 encryption at rest for sensitive fields. Key management with rotation policies.
Password & Session Policies
Enforce complexity, expiry, and re-use rules. Configurable session timeouts. Force re-authentication for high-risk actions regardless of session state.
Fraud Detection Triggers
Configure alert rules for unusual transaction patterns — velocity checks, out-of-hours activity, IP anomalies — with automatic account flagging and review queues.
Regulatory Reporting Exports
Generate structured exports for central bank submissions, external audits, and donor compliance — on demand, in the required format.
System Users & Administration
Create and manage all platform users. Assign roles, set limits, configure MFA, monitor activity, and deactivate accounts instantly from one admin panel.
Ready to see it live?
Book a 30-minute demo and we will walk you through the exact modules your business needs — live platform, no slides, no fluff.