YU-Pay is the next-gen payment facilitator app powered by YOGH Pay Ltd, Hong Kong. It is the global financial operating system for the modern world, designed to simplify how the world transacts. YU-Pay redefines global finance with a unified platform that bridges currencies, borders, and financial systems. Whether you're an individual sending money to family or a business scaling globally, YU-Pay ensures your payments are fast, secure, and transparent.

YU-Pay, designed for seamless cross-border transactions, combines multi-currency flexibility, enterprise-grade security, and developer-friendly tools to empower users worldwide.

With globally supported currencies, YU-Pay is trusted by startups, enterprises, freelancers, and families. Built with a cutting-edge tech stack designed for ease of use, it empowers you to send, receive, and manage money like never before.

** Key Features

? Global Money Transfer Made Simple
+ Multiple currencies: You can hold, send, and receive payments in USD, EUR, GBP, JPY, AUD, and more like a local.

+ Global Presence: Transact instantly from Hong Kong to Suriname or within Hong Kong. YU-Pay automatically detects the user's location to display preferred rails (UPI, SEPA, Fedwire).

+ Transparent fees with real-time FX rates: Transact at competitive markup—up to 8x cheaper than traditional banks with live rate locking—and no hidden surprises.

+ Multi-currency wallets to hold, convert, and spend funds globally.

+ Built for scale: Power everything from micropayments to enterprise payroll with military-grade security.

+ Auto-convert funds for future transactions.

⚡ Lightning Fast & Reliable Transactions

+ Instant peer-to-peer (P2P) transfers between YU-Pay accounts worldwide.

+ Cross-border payments arrive in 1-2 hours (vs. 3-5 days with banks).

+ Smart real-time payment tracking with instant ETA updates for every transaction.

? Fortified Security You Can Trust

+ PCI-DSS Level 1 + ISO 27001 certified with military-grade 256-bit encryption. (In-Progress)

+ AI fraud detection blocks 99.97% of suspicious activity using 8.4B data points.

+ Biometric logins, multi-factor authentication, and real-time transaction alerts.

+ GDPR-compliant data handling and regulatory adherence in multiple countries.

? Designed for Businesses of All Sizes

+ Custom workflows: Multi-approval processes and spend limits tailored to your business needs.

+ API-first integration: Connect to Shopify, WooCommerce, QuickBooks, and ERP systems like NetSuite in