70+ Platform Modules — One Unified SaaS

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.

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70+

Modules

API-First

Architecture

Multi-Tenant

Isolation

PAYG

Pricing

Core Financial Services

Financial Services

Payments, wallets, tokens, and agent banking — unified.

YoApp's financial services layer handles every type of monetary transaction your business needs. From selling airtime and electricity tokens to running a national agent network and managing multi-currency wallets — every event auto-posts to the general ledger with a full, immutable audit trail.

Airtime Top-Up

Sell mobile airtime across all major networks in real time. Supports all denominations, instant delivery, automatic commission calculation, and agent float management with low-balance alerts.

Electricity Tokens

Generate prepaid electricity tokens via direct ZESA/utility API integration. Supports token delivery by SMS or printed receipt, token reprint on request, and a full meter and token audit log.

Service Vouchers

Issue, distribute, and redeem digital vouchers for any service — groceries, fuel, medical, or custom categories. Supports bulk issuance, restricted redemption rules, expiry policies, and real-time redemption tracking.

Payments

Multi-channel payment collection, disbursement, and transfer. Supports mobile money, bank transfer, card, USSD, and cash. All transactions reconciled in one ledger with configurable approval workflows and automatic GL posting.

Currency Management

Multi-currency wallets with live FX rate feeds, automatic currency conversion, and simultaneous GL posting in both base and foreign currency. Supports USD, ZWG, ZAR, and configurable custom currencies.

Agent Portal

A mobile-first interface for field agents to process all platform services, manage their float balance, view their commission statement, onboard new customers, and capture KYC documents — works fully offline and syncs on reconnect.

Branch Management

Configure and manage your entire branch and outlet network from one admin panel. Set per-branch service access, transaction limits, operating hours, cash positions, and staff assignments.

Customer Registry

Centralised KYC profiles with full transaction history, product holdings, and communication log. Segment customers by type, status, or custom tags. Enforce per-customer transaction limits and service restrictions.

Notifications Engine

Event-driven alerts via SMS, email, in-app push, and WhatsApp. Define triggers on any platform event, build branded message templates, set fallback channels, and track delivery status for every notification sent.

Float Management

Real-time float balance monitoring for agents, branches, and distributors. Automated low-float alerts, top-up request workflows, and consolidated float utilisation reporting across your entire network.

Commission Management

Define tiered commission structures per service, agent grade, and volume band. Auto-calculate earnings on every transaction, generate monthly statements, and disburse commissions via bulk payment in one run.

Lending & Credit

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 multi-level 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 applicant details, financial data, guarantor information, and supporting documents — all in one structured digital form.

Approval Workflows

Multi-level maker-checker approval flows with configurable thresholds. Define who approves what loan amount, enforce dual authorisation for high-value cases, and get full audit of every approval decision with timestamps and comments.

Loan Products Configuration

Build any loan product your market needs — salary loans, group loans, emergency loans, agri loans, asset finance. Define interest method, tenure range, fees, penalty rules, and eligibility criteria per product.

Interest Calculation

Supports flat, reducing-balance, and compound interest methods. Repayment schedules are generated automatically at disbursement with correct principal, interest, and fee breakdowns per instalment.

Repayment Scheduling

Automated repayment schedules with configurable grace periods, penalty triggers, early-repayment rules, and instalment frequency options — daily, weekly, fortnightly, or monthly.

Collections & Arrears

Automated collections triggers at each missed instalment. Configurable arrears escalation rules, restructuring approval workflows, penalty charging, and demand letter generation — all without manual credit officer intervention.

Write-offs & Restructuring

Formal write-off workflows with mandatory approval chains and automatic GL posting to the bad debt account. Restructure loan terms — extend tenure, reduce rate, capitalise arrears — without losing the original contract audit trail.

Batch Disbursements

Disburse thousands of approved loans in a single batch run — with pre-execution validation to catch errors, multi-level approval for large batches, automatic GL posting, and a detailed post-run reconciliation report.

Loan Portfolio Dashboard

Real-time portfolio view with outstanding balances, PAR ratios by age bucket, collection rate trends, and loan product performance analytics — drillable by branch, loan officer, product, and date range.

Outgrower Scheme Loans

Track input loans from disbursement through to harvest settlement. Auto-deduct loan balances from produce payment amounts at harvest — zero manual calculation, zero leakage.

Credit Scoring

Configurable credit scoring models using your own data points — income, repayment history, business data, or NDVI crop scores. Automatically score applicants and surface a recommended decision at the point of approval.

Value Chain & Operations

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 so your team always knows exactly where things stand.

Supplier Onboarding

Configurable KYC and verification workflows for suppliers, agro-dealers, and distributors. Digital document upload, approval queues, status notifications, and account activation — without a paper form in sight.

Retailer Network

Onboard and manage your entire retailer or merchant network. Assign credit limits, define payment terms, set product redemption rules, track purchase history, and manage account status per partner.

Product Inventory

Real-time stock control across multiple warehouses, depots, and branches. Set reorder points, get low-stock alerts, run stock-take reconciliations, and view variance reports by location and SKU.

Warehouse Management

Receive, store, pick, and dispatch goods with full movement logging across locations. Supports bin-level tracking, staff assignment to tasks, and inbound/outbound gate control with digital goods received notes.

Input Distribution

Issue digital input vouchers — seeds, fertiliser, chemicals, livestock feed — to registered farmers. Vouchers are redeemable only at approved agro-dealers, with every redemption logged with dealer ID, GPS coordinates, and timestamp.

Transporter Scheduling

Route planning, driver assignment, and delivery job scheduling from a single operations console. Assign loads, set delivery windows, track job status, and capture geo-tagged proof-of-collection and proof-of-delivery.

Delivery Tracking

End-to-end delivery visibility for operations managers and customers. Real-time GPS fleet tracking, automated delivery status updates via SMS, and digital proof-of-delivery with geo-stamp and signature capture.

Forms Builder

No-code mobile forms for any data collection need — loan applications, field surveys, KYC capture, stock counts, or farm visit logs. Define field types, conditional logic, and validation rules, then link the form to any of 70+ platform modules.

Workflow Automation

Define event-based if/then triggers across any module combination. Automate loan stage transitions, approval notifications, stock reorder requests, payment releases, and data sync with external systems — without custom code.

Order Management

Create, approve, and fulfil purchase orders and sales orders in one place. Track order status from placement through to delivery, manage partial fulfilments, and auto-trigger stock adjustments on confirmation.

Agriculture & NDVI

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 in a single platform — giving agri-financiers, cooperatives, and input suppliers the data they need to make better credit and logistics decisions, faster.

NDVI Satellite Monitoring

Monitor crop health and land conditions using NDVI satellite imagery. Track vegetation index changes across contracted farmer plots throughout the growing season and surface early warning signals for at-risk fields.

Farm Geo-Tagging

Capture GPS coordinates of farms, plots, and individual field activities. Visualise your entire farmer portfolio on an interactive map with drill-down into individual plot data, visit history, and NDVI readings.

Agri-Loan Management

Link satellite field data directly to credit decisions. NDVI health scores, farm size, soil type, and historical yield data feed into configurable loan eligibility rules — making objective, data-driven lending decisions at scale.

Input Voucher Distribution

Issue seed, fertiliser, and chemical entitlements as digital vouchers directly to registered farmers. Redeemable only at approved agro-dealers — every redemption is logged with dealer ID, GPS location, timestamp, and item detail.

Harvest Payment Automation

Pay farmers for delivered produce via bulk mobile money transfer. Automatically deduct outstanding input loan balances before crediting the net harvest amount — every deduction logged and auditable.

Outgrower Scheme Tracking

Manage every farmer in your outgrower programme from a single dashboard: inputs issued, hectarage planted, expected yield, repayment schedule, actual deliveries, and outstanding loan balance — updated in real time.

Field Agent Tools

Offline-capable mobile app for field officers to capture geo-tagged farm visits, verify farmer identity, submit loan applications, and log input deliveries — all data syncs automatically when connectivity is restored.

Agro-Dealer Network

Onboard and manage your agro-dealer channel as platform agents. Track input redemptions by dealer, view commission balances, monitor stock levels, and measure dealer performance across your distribution network.

Programme Reporting

Consolidated agri-programme reports: input utilisation rates, loan performance by crop type, NDVI trend analysis, and harvest payment summaries — formatted and export-ready for development finance institutions and donor reporting.

Farmer Registry

A centralised database of every registered farmer: personal details, land holding, crop history, input entitlement records, loan history, and contact information — fully searchable and linked to all agri modules.

Reporting & Finance

Reporting & Finance

Your books. Your data. Built in.

YoApp replaces the need for a separate accounting system. A fully integrated double-entry General Ledger, real-time operational dashboards, configurable business intelligence reports, and a tamper-proof audit trail — all updated automatically with every transaction, with no manual journal entries required.

Transaction History

Complete, searchable, immutable ledger of every transaction. Filter by date range, channel, agent, branch, customer, or transaction status. Export to CSV or PDF in seconds, at any scale.

Custom Reporting

A pre-built report library covering every module, plus a drag-and-drop report builder for custom views. Schedule automated delivery by email — daily, weekly, or monthly — to any recipient list.

General Ledger

A built-in, full double-entry GL that auto-posts the correct debit and credit entries for every platform event. View real-time trial balance, profit & loss statement, and balance sheet — no manual journals, no end-of-month reconciliation panic.

Bulk Transactions

Upload, validate, approve, and execute thousands of transactions in a single batch run. Supports partial-success handling — failed rows are isolated and flagged without rolling back successful ones — plus a full post-run reconciliation report.

Cash & Vaults

Real-time cash positions for every teller and vault across your network. End-of-day cash balancing, variance alerts, inter-vault transfer requests, and a complete cash movement history — visible from one central admin console.

Audit Trail

A tamper-proof, timestamped log of every system action — logins, approvals, configuration changes, data access, and transaction events. Cannot be edited or deleted by any user, including Super Admins. Exportable for regulatory and audit submissions.

Service Reports

Per-service performance breakdowns showing transaction volumes, values, success rates, failure analysis, peak trading hours, and revenue contribution — with prior-period comparison and drilldown by branch, agent, or channel.

Real-Time Dashboard

An operational command centre with a live transaction feed, revenue totals, agent activity indicators, pending approval queues, and system health metrics — all configurable with role-based widget visibility so each user sees what they need.

Batch Management

Schedule and manage bulk operations — payroll runs, loan disbursements, beneficiary payments — with multi-level approval gates, scheduled execution windows, and detailed post-run reconciliation reports that include every success and failure.

GL Chart of Accounts

Configure your own chart of accounts, account hierarchies, and cost centres. All platform transactions map to the correct account automatically — supports multiple entities and multi-currency consolidation.

API & Integrations

API-First Architecture

Every module. One clean interface.

YoApp was built API-first from day one — not retrofitted. Every capability is accessible via documented, versioned REST APIs, enabling seamless integration with your existing core banking system, ERP, mobile applications, or any third-party service. No hacks, no brittle middleware, no compromise.

REST API Layer

70+ modules fully accessible via clean, versioned REST APIs. JSON request/response format, bearer-token authentication, per-client rate limiting, comprehensive error codes, and interactive API documentation included.

Workflow Automation

Define if/then trigger rules across any module combination. Automate loan approval transitions, payment releases, notification dispatch, stock reorder requests, and data sync to external systems — visually, without writing backend code.

Mobile Money Integrations

Production-grade integrations with EcoCash, OneMoney, InnBucks, Mukuru, and major Zimbabwean bank APIs. Handles retries, timeout management, duplicate detection, and automatic reconciliation for every mobile money channel.

USSD Channels

A full USSD interface for feature-phone users and low-connectivity environments. Customers access core services — payments, balance checks, loan applications, token purchases — without a smartphone or internet connection.

Webhooks & Events

Subscribe to any platform event and receive real-time HTTP POST notifications to your endpoint. Includes configurable retry logic with exponential backoff, HMAC signature verification, and a delivery log for every webhook call.

Multi-Tenant Architecture

Fully isolated tenant environments sharing the same underlying infrastructure. Each tenant has independent data storage, configuration, user management, and reporting — with cryptographic guarantees that data from one tenant can never be seen by another.

Developer Sandbox

A full-featured sandbox environment with test API credentials, simulated mobile money integrations, and a pre-loaded demo dataset. Build and test your integration without touching production data or triggering real payments.

SMS & Notification APIs

Programmatic SMS dispatch, branded message template management, and delivery-status reporting — integrated with multiple SMS gateway providers. Configure per-tenant sender IDs, fallback routes, and delivery receipts.

GPS & Satellite Integrations

Connect GPS fleet tracking providers and NDVI satellite data sources directly to the platform. Field agent coordinates, vehicle delivery proofs, and crop health readings flow into YoApp automatically and link to the relevant records.

Core Banking & ERP Connectors

Pre-built connector adapters for common core banking systems and ERP platforms. Synchronise customer data, account balances, and transaction records bidirectionally — with configurable sync schedules and conflict-resolution rules.

Security & Compliance

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, so your organisation is protected from day one.

Role-Based Access Control

Define roles with granular permissions per module, action type, and data category. Out-of-the-box roles include Super Admin, Branch Manager, Teller, Agent, Auditor, and Read-Only — or build any custom role your organisation needs.

Two-Factor Authentication

Enforce 2FA for any or all user roles. Supports TOTP authenticator apps, SMS OTP, and email OTP. Device trust management lets users register trusted devices and revoke access instantly if a device is lost or compromised.

KYC & AML Workflows

Digital document capture with automated expiry tracking and watchlist screening hooks. KYC completion rate reporting, re-verification reminders, and tiered due diligence workflows for low, medium, and high-risk customer categories.

Data Encryption

End-to-end TLS 1.3 for all data in transit. AES-256 encryption at rest for sensitive data fields including account numbers, identity documents, and transaction amounts. Key management with scheduled rotation policies.

Password & Session Policies

Enforce password complexity, minimum length, expiry intervals, and re-use prevention rules. Configurable session timeouts with automatic logout. Force re-authentication before high-risk actions regardless of active session state.

Fraud Detection Triggers

Configure alert rules for suspicious transaction patterns — velocity thresholds, out-of-hours activity, unusual geolocation, and IP anomalies. Flagged accounts are automatically suspended and routed to a compliance review queue.

Regulatory Reporting Exports

Generate structured data exports formatted for central bank submissions, external audits, and donor compliance reporting — on demand, in the required format, without involving a developer.

System Users & Administration

Create, manage, and deactivate all platform users. Assign roles, set transaction limits, configure MFA requirements, monitor last-login activity, and force password resets or immediate account lockouts from a single admin interface.

IP Allowlisting

Restrict platform access to approved IP addresses or CIDR ranges per role or tenant. Enforce office-only access for admin roles while allowing agents on dynamic mobile IPs — with override requests and approval workflows.

Security Event Log

Dedicated security event stream separate from the business audit trail. Logs all failed login attempts, permission escalations, suspicious API calls, and admin actions — with configurable alerts for your security team.

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.