One Platform.
Every Business Process.
YoApp is a cutting-edge cloud-native SaaS platform designed to drive digital transformation across financial services, agriculture, retail, and logistics — automating lending workflows and unifying operations from inventory to distribution.
Everything Your Business Needs
A unified suite of modules covering every operational layer — from customer-facing services to back-office finance and compliance.
Airtime Top-Up
Instantly sell and distribute mobile airtime across all major networks. Agents and branches process top-up transactions in real time, with automatic reconciliation and commission tracking built in.
Electricity Tokens
Generate and deliver prepaid electricity tokens directly to customers. Integrated with utility providers, the module handles token generation, delivery via SMS or print, and full transaction logging for audit purposes.
Service Vouchers
Issue, manage, and redeem digital or physical service vouchers for any product on the platform. Supports custom denominations, expiry rules, and bulk issuance — ideal for promotions, disbursements, and loyalty programs.
Payments
Process collections, disbursements, and transfers across mobile money, bank, and card channels. Supports multi-currency, real-time settlement, and configurable payment workflows with full audit trails.
Batch Management
Schedule and execute bulk operations — bulk payments, loan disbursements, or service activations — with configurable approval workflows, error handling, and detailed batch-level reporting.
Currency Management
Define and manage multiple currencies, exchange rates, and conversion rules. Supports real-time rate feeds, manual overrides, and multi-currency ledger balancing for cross-border operations.
Dashboard
A real-time operational command center giving managers and admins a live view of transactions, agent activity, revenue, and system health — with customizable widgets and role-based data visibility.
Customers
Centralized customer registry with full KYC profile management, account history, transaction records, and segmentation tools. Supports onboarding workflows, document uploads, and customer-level limit controls.
Branches
Manage your entire branch network from one place. Configure branch-level settings, assign staff, set transaction limits, monitor performance, and consolidate reporting across all locations.
Agent Portal
A dedicated interface for field agents to process transactions, manage float, view commissions, and serve customers — accessible on mobile or web with offline-capable features for low-connectivity environments.
Notifications
Automated, event-driven alerts via SMS, email, or push notification. Configure triggers for transaction confirmations, low balance alerts, approval requests, and system events — keeping customers and staff informed in real time.
Advertising
Embed targeted promotional banners, offers, and campaigns within the platform UI and customer-facing channels. Manage ad slots, schedule campaigns, and track impressions — turning your platform into a revenue-generating media channel.
System Users
Granular user management with role-based access control. Create and manage admin, operator, and agent accounts, assign permissions per module, enforce password policies, and maintain a full user activity log.
Transaction History
A complete, searchable ledger of every transaction across the platform. Filter by date, channel, agent, branch, or status — with export to CSV or PDF for reconciliation and compliance needs.
Reporting
Configurable business intelligence reports covering revenue, agent performance, customer activity, and operational KPIs. Schedule automated report delivery or generate on-demand with flexible date ranges and groupings.
Service Reports
Detailed breakdowns per service type — airtime, electricity, vouchers, payments — showing volumes, values, success rates, and failure analysis. Helps operations teams identify bottlenecks and optimize service delivery.
Audit Trail
An immutable, timestamped log of every system action — user logins, configuration changes, transaction approvals, and data edits. Essential for regulatory compliance, fraud investigation, and internal governance.
GL Accounts
A built-in General Ledger that automatically posts double-entry accounting entries for every transaction. Manage chart of accounts, view real-time balances, and generate trial balances and financial statements without leaving the platform.
Bulk Transactions
Upload and process large volumes of transactions via CSV or API — payroll runs, bulk loan repayments, mass disbursements — with validation, staging, multi-level approval, and post-processing reconciliation reports.
Cash & Vaults
Track physical cash positions across branches and vaults in real time. Manage cash-in, cash-out, inter-vault transfers, and teller float — with end-of-day balancing, variance alerts, and full cash movement history.
Airtime Top-Up
Instant. Automated. Profitable.
YoApp's Airtime Top-Up module lets your business become a fully-fledged airtime distribution point — processing top-ups across all major mobile networks in real time, with zero manual intervention.
Sell airtime across all major networks from a single interface. No need to manage separate integrations per operator.
Transactions are processed and confirmed in seconds. Customers receive instant SMS confirmation and agents see live balance updates.
Every sale automatically calculates and records agent commissions. No spreadsheets, no disputes — just accurate, auditable payouts.
Agents manage their own float wallets. Low-balance alerts trigger automatic restock requests, keeping operations running without interruption.
End-of-day reconciliation is automatic. Every transaction is matched against network confirmations, flagging discrepancies instantly.
Agent or self-service portal receives the request with phone number and amount.
YoApp checks agent float, validates the number, and routes to the correct network API.
The network confirms credit. Customer gets SMS. Agent float is debited. Commission is posted.
Transaction is logged in the GL, appears in reports, and feeds into end-of-day reconciliation automatically.
Agent or customer enters the prepaid meter number and desired purchase amount.
YoApp connects to the utility provider's API, validates the meter, and retrieves the unique token.
Token is printed on receipt or sent via SMS. Customer enters it on their meter — power restored immediately.
Every token issued is logged with meter number, amount, timestamp, and agent — fully auditable for compliance.
Electricity Tokens
Power Delivered in Seconds.
Turn any branch or agent point into a utility payment outlet. YoApp integrates directly with electricity providers to generate and deliver prepaid tokens — no queues, no delays, no manual processing.
Live API connections to utility providers ensure tokens are always valid and up-to-date with current tariff rates.
Tokens are delivered via SMS to the customer's phone or printed on a receipt — whichever suits the point of sale.
Lost your token? Agents can reprint any previously issued token from the transaction history — no calls to the utility company needed.
Agents earn a commission on every token sold, creating a reliable additional income stream alongside other services.
Service Vouchers
Issue, Redeem, Control.
A flexible voucher engine that lets you create, distribute, and redeem digital or physical vouchers for any service on the platform. Perfect for disbursements, promotions, staff benefits, and loyalty programs.
Set any face value and expiry date. Restrict vouchers to specific services, branches, or customer segments.
Generate thousands of vouchers in one click for payroll disbursements, NGO distributions, or corporate benefit programs.
Deliver vouchers via SMS, email, QR code, or printed slip — whatever works for your customers and distribution channels.
Track every voucher — issued, redeemed, expired, or cancelled — with full visibility into utilisation rates and outstanding liability.
Distribute food, fuel, or utility vouchers to beneficiaries with full accountability and zero cash handling.
Issue monthly grocery or airtime vouchers to employees — redeemable at any agent point.
Run time-limited discount vouchers tied to specific products or services to drive customer acquisition.
Disburse loan proceeds as restricted vouchers redeemable only at approved merchants — reducing misuse risk.
Reward repeat customers with vouchers that accumulate value and drive return visits.
EcoCash, OneMoney, InnBucks & more
Direct bank-to-bank via RTGS & ZIPIT
Visa, Mastercard POS & online
Feature phone payments, no internet needed
Over-the-counter cash deposits via agents
Programmatic payments via REST API
Payments
Every Channel. One Platform.
YoApp's payments engine handles collections, disbursements, and transfers across every major channel — mobile money, bank, card, and USSD — with real-time settlement and a unified transaction ledger.
Funds move instantly. No batch delays. Customers and merchants see confirmed balances the moment a transaction completes.
Set transaction limits, dual-approval rules, and maker-checker controls per user role, branch, or payment type.
Process payments in ZWG, USD, and other currencies simultaneously with automatic conversion at configured rates.
Every payment is logged with initiator, approver, timestamp, channel, and status — immutable and always available for compliance review.
Batch Management
Process Thousands at Once.
Stop processing transactions one by one. YoApp's Batch Management module lets you upload, validate, approve, and execute thousands of operations in a single run — with full control at every step.
Upload batch files via CSV template or push programmatically via API. The system validates every row before execution begins.
Batches above configurable thresholds require sign-off from multiple approvers before execution — preventing errors and fraud.
Failed rows don't block the whole batch. The system processes successful records and flags failures with clear error codes for retry.
Schedule batches to run at a specific date and time — ideal for payroll runs, recurring disbursements, and end-of-month settlements.
Drag-and-drop CSV or API push. System parses and previews all records before anything is committed.
Every row is checked — account existence, balance sufficiency, format correctness. Errors are highlighted inline.
Authorised approvers review the batch summary and sign off. Dual-approval enforced for high-value batches.
System processes all valid records in parallel. Real-time progress bar shows completion status.
Post-execution report shows success/failure breakdown. Failed items can be corrected and re-submitted as a new batch.
Define all currencies your business operates in — local and foreign — with ISO codes and display settings.
Set rates manually or pull from live feeds. Configure buy/sell spreads and apply different rates per transaction type.
Customers and agents can hold balances in multiple currencies simultaneously, with instant conversion on demand.
Every rate change is logged with timestamp and the user who made it — full accountability for FX decisions.
Break down revenue, volumes, and balances by currency to understand your true multi-currency exposure.
Currency Management
Multi-Currency, Zero Complexity.
Operating in a multi-currency environment shouldn't mean managing multiple systems. YoApp centralises all currency definitions, exchange rates, and conversion logic in one place — keeping your books clean and your operations smooth.
Connect to live FX rate sources or set your own rates. Rates update across the entire platform instantly — no manual reconfiguration needed.
Every cross-currency transaction automatically posts the correct debit and credit entries in both currencies to the General Ledger.
Rate history, conversion logs, and FX exposure reports give regulators and auditors everything they need in one place.
Dashboard
Your Business at a Glance.
The YoApp Dashboard is your real-time command centre. Every metric that matters — transactions, revenue, agent activity, system health — visible the moment you log in, with no report-running required.
Admins, branch managers, and agents each see a dashboard tailored to their role — no information overload, no data leakage.
Watch transactions flow in real time. Spot anomalies, failed transactions, or unusual volumes the moment they happen.
Pin the KPIs you care about. Revenue by service, top agents, branch comparisons, pending approvals — all configurable.
Set alert thresholds for low float, high transaction volumes, or failed payments. Get notified before problems escalate.
Live running total across all services and channels
Count of successful, pending, and failed transactions
Top performing agents and those with low float
Side-by-side branch comparison by volume and revenue
Payments and batches awaiting authorisation
API uptime, response times, and error rates
New registrations and active users today
Agent and branch float balances with low-balance flags
Capture customer details, upload KYC documents, and complete identity verification — all within the platform.
Maintain a single, unified customer record with contact info, account history, and segment tags.
Every transaction linked to the customer profile — searchable, filterable, and exportable.
Set daily, weekly, or monthly transaction limits per customer or customer segment.
Group customers by behaviour, location, or product usage for targeted campaigns and reporting.
Customers can view their own history, download statements, and update contact details via a secure portal.
Customers
Know Every Customer. Serve Them Better.
A centralised customer registry that gives you a 360-degree view of every person you serve — from onboarding and KYC through to transaction history, limits, and segmentation.
Capture national ID, passport, or other documents digitally. Store securely with expiry tracking and re-verification reminders.
One record per customer across all branches and channels. No duplicates, no fragmented data — a single source of truth.
Built-in AML/KYC workflows, watchlist screening hooks, and document expiry management keep you audit-ready at all times.
Branches
One Network. Total Control.
Whether you have 2 branches or 200, YoApp gives you complete visibility and control over your entire network from a single admin panel — with branch-level configuration, performance tracking, and consolidated reporting.
Each branch has its own settings — operating hours, transaction limits, enabled services, and assigned staff — all managed centrally.
Compare branches side by side on revenue, transaction volume, customer count, and agent productivity — identify your best and worst performers instantly.
Move float, cash, or inventory between branches with a full approval workflow and automatic GL posting on both sides.
Roll up all branch data into a single group-level report — or drill down into any individual branch with one click.
Assign tellers, supervisors, and managers to branches with role-specific permissions.
Monitor each branch cash position and float levels in real time with low-balance alerts.
Turn specific services on or off per branch — useful for pilot rollouts or compliance restrictions.
Set branch-specific opening hours. Transactions outside hours are automatically blocked or queued.
Every action taken at branch level is logged — who did what, when, and from which terminal.
Send and receive money across all channels
Top up any network, any amount, instantly
Generate electricity tokens on the spot
Accept and validate service vouchers
View balance, request top-up, transfer float
Track earnings per transaction in real time
Register new customers with digital KYC
Full transaction log with search and filter
Agent Portal
Empower Your Field Network.
Your agents are your frontline. YoApp's Agent Portal gives them a fast, intuitive interface to serve customers, manage their float, and track their earnings — on any device, even in low-connectivity areas.
Optimised for smartphones and tablets. Agents can serve customers from anywhere — no desktop or printer required.
Core transactions queue locally when connectivity drops and sync automatically when the connection is restored — no lost sales.
Agents see their commission earned per transaction in real time — building trust and motivating higher performance.
Branch managers can monitor all agent activity, override transactions, and manage float allocation from the same platform.
Notifications
The Right Message. Right Time.
Keep customers, agents, and staff informed automatically. YoApp's notification engine fires event-driven alerts across SMS, email, and push — so nothing falls through the cracks.
Configure notifications to fire on any platform event — transaction success, failure, approval request, low float, login, or custom business rules.
Send via SMS, email, or in-app push notification. Configure fallback channels — if SMS fails, retry via email automatically.
Build branded message templates with dynamic variables — customer name, amount, reference number, balance — populated automatically per event.
See delivery status for every notification — sent, delivered, failed. Retry failed messages and track open rates for email campaigns.
Full-width banner on the agent or customer dashboard — maximum visibility at login.
Promotional message printed or sent with every transaction receipt.
Append a short promotional message to any outbound SMS notification.
Interstitial or banner shown on the login page before authentication.
Sponsored placement within the service selection menu to promote specific products.
Full-screen offer shown immediately after a successful transaction.
Advertising
Turn Your Platform Into a Revenue Channel.
Your platform already has engaged users. YoApp's Advertising module lets you monetise that attention — running your own promotions or selling ad space to partners and merchants directly within the platform.
Set start and end dates for each campaign. Ads go live and expire automatically — no manual intervention needed.
Target ads by customer segment, branch, region, or transaction behaviour — show the right offer to the right person.
Track how many times each ad was shown and clicked. Measure campaign ROI and optimise placements based on real data.
Sell ad slots to external brands and merchants. Manage multiple advertisers, budgets, and creatives from one admin panel.
System Users
The Right Access. For the Right People.
Granular role-based access control means every user sees and does exactly what their role requires — nothing more, nothing less. Manage your entire team from one place with full accountability.
Define roles — Super Admin, Branch Manager, Teller, Agent, Auditor — and assign granular permissions per module and action.
Enforce password complexity, expiry, and 2FA. Lock accounts after failed attempts and require re-authentication for sensitive actions.
Every login, action, and configuration change is logged against the user account — a complete, tamper-proof activity trail.
Assign users to one or multiple branches. Regional managers can oversee several branches without needing separate accounts.
Full platform access. Manages all settings, users, branches, and system configuration.
Oversees a specific branch — staff, float, transactions, and branch-level reports.
Processes transactions at the counter. Limited to assigned services and transaction limits.
Field-based user with access to the Agent Portal for customer-facing transactions.
Read-only access to GL accounts, reports, and financial statements.
View-only access to audit trails, transaction history, and compliance reports — cannot modify anything.
Transaction History
Every Transaction. Always Findable.
A complete, searchable ledger of every transaction that has ever passed through your platform. Resolve disputes, satisfy auditors, and reconcile month-end figures — all from one screen.
Find any transaction in seconds using reference number, phone, amount, or date — across millions of records.
Export any filtered view for spreadsheet analysis or formal audit submission.
Initiate reversals directly from the transaction record. Log dispute notes and track resolution status end-to-end.
Records cannot be edited or deleted — only annotated. Guaranteed data integrity for compliance and legal purposes.
Reporting
Data That Drives Decisions.
Stop guessing. YoApp's reporting engine turns raw transaction data into actionable business intelligence — covering revenue, agent performance, customer activity, and operational KPIs, all configurable to your needs.
Dozens of ready-to-run reports covering revenue summaries, agent rankings, branch comparisons, and customer activity — available instantly.
Select dimensions, metrics, filters, and groupings to build exactly the report your business needs — then save it for reuse.
Schedule any report to run daily, weekly, or monthly and deliver automatically to specified email addresses — no manual pulling required.
Every report renders as both a visual chart and a data table — switch views instantly and export either format.
Daily, weekly, monthly revenue broken down by service, channel, branch, and agent.
Rankings, commission earned, transaction counts, and float utilisation per agent.
New registrations, active users, top spenders, and dormant account identification.
Side-by-side performance metrics across your entire branch network.
Matched and unmatched transactions for end-of-day and end-of-month closing.
KYC completion rates, transaction limit breaches, and flagged activity summaries.
Total number of transactions processed per service in the period.
Total monetary value transacted, broken down by currency.
Percentage of transactions that completed successfully vs failed.
Top failure reasons ranked by frequency — pinpoint integration issues fast.
Hourly breakdown showing when each service is busiest.
Each service share of total platform revenue.
Which agents are driving the most volume per service.
Week-on-week and month-on-month growth or decline per service.
Service Reports
Know What's Working. Fix What Isn't.
Detailed performance breakdowns for every service on the platform — airtime, electricity, vouchers, payments, and more. Understand volumes, success rates, failure patterns, and revenue contribution at a glance.
Click into any service to see a full breakdown — by branch, agent, time of day, or customer segment.
Failed transactions are categorised by error type — insufficient float, network timeout, invalid account — so your team can fix the right problem.
Compare any service's performance this month vs last month, or this year vs last year — spot trends before they become problems.
Audit Trail
Nothing Hidden. Everything Logged.
An immutable, timestamped record of every action taken on the platform — by any user, at any time. Built for regulators, auditors, and internal governance teams who need complete accountability.
Logins, logouts, configuration changes, transaction approvals, user creation, permission changes — all logged automatically with no gaps.
Audit records cannot be modified or deleted — not even by Super Admins. What happened, happened. The record stands.
When something looks wrong, trace exactly who did what and when. Filter by user, action type, IP address, or time window to reconstruct any event.
Export audit logs in structured formats for regulatory submissions, external audits, or legal proceedings — on demand, any time.
Define your full account structure — assets, liabilities, income, expenses — mapped to your business.
Every transaction posts debit and credit entries automatically. No manual journal entries needed.
Account balances update the instant a transaction is processed — always current, never stale.
Generate a trial balance at any point in time to verify your books are in order.
Automated P&L showing revenue, costs, and net income for any period.
Snapshot of assets, liabilities, and equity — generated on demand.
Separate ledger balances per currency with automatic revaluation at current rates.
Lock accounting periods to prevent backdated entries and maintain clean financial records.
GL Accounts
Your Books. Built In.
A full General Ledger embedded directly in the platform. Every transaction automatically posts the correct accounting entries — so your books are always up to date without a separate accounting system.
Every airtime sale, payment, fee, commission, and reversal posts to the GL automatically. Your finance team focuses on analysis, not data entry.
Every GL entry is traceable back to the originating transaction. Auditors can drill from a financial statement line all the way to the source record.
Eliminate the cost and complexity of maintaining a separate accounting system. YoApp handles operations and finance in one place.
Bulk Transactions
Scale Without the Headache.
Process payroll runs, mass loan disbursements, bulk repayments, and large-scale transfers without breaking a sweat. Upload once, validate, approve, and execute — with full reconciliation on the other side.
Download the standard template, populate your data, and upload. The system validates every row before a single transaction fires.
Every record is checked for account validity, balance sufficiency, and format correctness. Errors are highlighted row by row before you commit.
Failed rows don't block the rest. Successful records process immediately; failures are isolated, reported, and can be corrected and resubmitted.
A detailed reconciliation report is generated after every bulk run — showing totals, success/failure counts, and a line-by-line outcome for every record.
Pay hundreds of employees across multiple mobile money and bank accounts in a single upload.
Disburse approved loans to borrowers in bulk — with automatic GL posting per disbursement.
Collect scheduled loan repayments from a list of borrowers in one batch run.
Pay multiple suppliers or vendors simultaneously with a single approval workflow.
NGOs and government programs can distribute funds to large beneficiary lists with full accountability.
Pay agent commissions in bulk at the end of each commission period.
Teller logs in and declares opening cash balance. System records the opening position.
Every cash transaction updates the tellers float in real time. Running balance always visible.
Excess cash moved from teller to branch vault — or between branches — with full approval and GL posting.
Teller declares closing balance. System compares against expected balance and flags any variance.
Discrepancies are logged and assigned for investigation. Resolution tracked through to sign-off.
Branch manager sees consolidated cash position across all tellers and vaults in real time.
Cash & Vaults
Every Note Accounted For.
Track physical cash across every teller, branch, and vault in real time. From opening float to end-of-day balancing, YoApp gives you complete visibility and control over your cash position — eliminating shortages, overages, and manual errors.
See the live cash balance of every teller and vault across your entire network — updated with every transaction, no manual counting needed.
Automatic alerts when a teller's declared balance doesn't match the system's expected balance — catch discrepancies before they become losses.
Every cash-in, cash-out, and inter-vault transfer is logged with timestamp, user, and approval — a complete cash movement audit trail.
All cash movements post automatically to the General Ledger — cash accounts stay in sync with physical reality without manual journal entries.
Ready to See It in Action?
Book a 30-minute demo and we'll walk you through the exact modules your business needs — live, no slides, no fluff.