YAP partners with traditional banks to provide users with digital bank accounts. It has been operating in the U.A.E. since 2021 and has partnered with Bank AlJazira to expand into Saudi Arabia in 2023. YAP is now in pilot in Ghana and Pakistan, with plans to launch commercially in 2023. The company raised $45 million in funding and had onboarded approximately 200,000 customers and over 10,000 SMEs.