YOUSPE Financial Technology Ecosystem
A single ecosystem that encompasses an innovative new-generation banking group and partner companies to provide client-oriented financial services to 80 million users in 11 countries.
Vision
Personalized, real-time, 24/7 financial services that utilize the open banking architecture to provide unmatched level of services and guarantee high reliability, speed, and security to residents of the 11 focus countries.
YOUSPE HOLDING
YOUSPE Holding - a holding company incorporated in Singapore - is the strategic core of YOUSPE Financial Technology Ecosystem. It is the driving force for the creation of financial architecture in the 11 focus countries.
Main business priorities of YOUSPE Holding include the establishment of the banking group and its integration into the ecosystem. This is achieved through:
- making M&A deals in the banking sector in 11 countries;
- integrating the business model and new-generation IT landscape into the acquired assets;
- consolidating the regional banks into a single international banking group;
- setting out a marketing strategy and course of development for the Group;
- signing partnership agreements with potential members of YOUSPE Financial Technology Ecosystem;
- Increasing the revenue of the companies belonging to the ecosystem by boosting consumer demand and monetizing services.
SCOPE OF SERVICES
1. A single financial ecosystem for retail clients in 11 countries:- services just like in the home region;
- no commission for cross-border transfers;
- purchases in the focus countries without loss on the difference in exchange rates; - international YOUSPE ATM Network.
2. Increasing the level of financial inclusion, while reducing the costs of banking services:- opening accounts through a mobile application based on biometric authentication and identification;
- receiving the full scope of services through digital channels without visiting a bank branch;
- availability of credit products regardless of the current country of stay;
- a transition from payment for each operation or service to package services at a fixed monthly price.
3. A boost in purchasing power of each client due to their interests being taken into account:- clients receive personalized credit limits on each product without filling applications or visiting a bank branch;
- funds are credited within the established limit without additional approval procedures;
- loans on in-game content with a 0% grace period;
- loans on OTT video services content with a 0% grace period;
- advance salary loans with a 0% grace period;
- special loan programs on the latest Apple and Samsung smartphones, Samsung TV sets, Razer gaming laptops and accessories.
4. A new standard of services and security for digital banking:- affordable premium real-time 24/7 services;
- mobile application and a video call centre support in the client’s mother tongue;
- departure from the use of passwords and push notifications in favor of a transition to the unique real time biometric e-ID and Selfie-Check technology for confirmation of all user operations;
- secure debit payment cards with Motion Code technology, based on a dynamic CVV that changes every hour, and secure credit cards with F.CODE technology, based on user biometric data to prevent unauthorized debit;
- cardless and contactless access to ATMs based on a unique biometric e-ID and NFC technology for full management of assets, communication with the video call centre and access to partner services.
5. Expanding service horizons through a secure digital channel access to the partner ecosystem:- integration of mobile and online banking into popular games on various platforms for user convenience;
- integration of a public messenger into mobile banking to provide an alternative way to transfer financial assets and establish an unlimited communication channel for the clients of the ecosystem;
- access to services for operations with digital assets without transaction limits on purchasing or crediting of funds derived from a sale of digital assets.
TECHNOLOGY PARTNERS
PROFITABLE PARTNERSHIP FOR THE EXCHANGE
- Access to 80 million active users to provide your services;
- The full scope of new-generation banking services available to the companies within the Group and your retail clients;
- Opportunity to issue secure co-brand VISA and Mastercard payment cards, namely biometric payment cards and payment cards with dynamic CVV;
- Access to your exchange platform through online and mobile banking;
- Fiat liquidity to support YSEY/FIAT pair.
YSEY UTILITY TOKEN
Type: ERC 20 token, created in Ethereum
Network Smart contract: 0x1358efe5d9bfc2005918c0b2f220a4345c9ee7a3
Issuer: YOUSPE Holding Pte Ltd (Singapore)
Total emission: 150 million tokens
Accounting specification: intangible assets
Legal Opinion: RHTLaw TaylorWessing
Functionality:
- a means of payment for services within the ecosystem; - a means of exchange and transfer of liquidity;
- a digital asset for target investments.
Distribution of profits from the sale of YSEY:
- financing of M&A deals in the banking sector;
- provision of fiat liquidity, allowing partners to make YSEY/FIAT exchange;
- investment for the integration of the new-generation IT platform into the target banks.
★ TEAM ★
ELENA ZBIROVSKAYAFounderElena has more than 17 years of theoretical and practical professional experience in Financial Management. She has a PhD in Economics. Elena managed projects under the Contracts of the World Bank and Ministry of Finance of Russian Federation, aimed at improving financial inclusion and literacy of the general public, including contracts on creation, approval and implementation of an adapted set of educational and awareness-raising materials on financial literacy. Elena also worked for Federal Tax Service of Russian Federation as an Independent Expert on Compliance and AML/CFT in the Commission for the Observance of Requirements for Official Behavior of Federal Civil Servants and Conflict of Interest, conducting a comprehensive assessment of public civil servants.
NIZAM ISMAILDirector
Legal, ComplianceNizam has been a part of YOUSPE Holding since its incorporation. His vast expertise and 25 years of experience in financial services regulatory compliance and litigation makes him one of the key figures in the company. Previously, he served as Executive Director and Head of Compliance for Southeast Asia in Morgan Stanley Singapore, Senior Vice President and Head of Compliance for Southeast Asia at Lehman Brothers Singapore, Executive Director (legal and compliance) in Nomura Singapore, Senior Legal Counsel (corporate and investment bank) at Citigroup, and regulator at the Monetary Authority of Singapore for six years. Until recently, Nizam also held a partner position at RHTLaw Taylor Wessing.
TAN CHEE YONGManaging Director
Strategic DevelopmentChee Yong has over 20 years of experience in Banking and Finance, of which 13 years were in China. Before joining Youspe Holding, he was the CEO of NCF Wealth Holding, a Chinese fin-tech company which operates an open internet finance platform with over 11million online customers and accumulated transaction volume of over USD 50 billion. He was the GM for China Bohai Bank responsible for Transaction banking and SME business. He had also worked in a senior capacity in Fullerton Financial China operations, Monetary Authority of Singapore and Standard Chartered Bank. He has completed CFA level 3.
IQBAL JUMABHOYCEO, Edge Capital
M&A, Capital MarketIqbal’s more than 25 years of experience in real estate development and hospitality, merger and acquisitions, wealth and assets management, as well as his strong leadership skills and passion for innovation, has armed him with the ability to apply his in-depth expertise across disciplines. He played a key role in the growth and development of SilverNeedle® Hospitality and The Ascott Limited, launched NEXT Hotels® brand, founded a web and mobile platform, BlackBook. Iqbal was a member of the founding Board of Governors at Temasek Polytechnic, Singapore, and served as an Independent Director and Board Committee member on external boards in several companies in the United Kingdom, India, Singapore, Australia and New Zealand.
website: https://youspe.com
