Yourpay
3 known investors
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Yourpay is a mobile app for cross-border money transfers from abroad to multiple bank accounts in Indonesia, along with bill payments, QRIS payments, e-wallet top-ups, and online shopping payments. It is licensed by Bank Indonesia as a payment service provider and plans to add savings, gold investment, and lending features, targeting Indonesian migrant workers.
Also known as YourPay
Founders & leadership
Investors · 3
Company profile
researched Aug 2026Yourpay is an Indonesia-focused digital financial services provider that operates a neobank application aimed at Indonesian migrant workers and their families in rural Indonesia, where access to conventional banking is limited. The app combines cross-border remittance to Indonesian bank accounts with bill payments, QRIS payments, e-wallet top-ups and online shopping payments, and the company positions its product around five pillars of financial transactions: payments, lending, insurance, investment and saving. Additional capabilities described include loans, savings, investment and budgeting tools alongside e-wallet functionality within a single application.
The company's stated target users are Indonesian domestic workers employed abroad, who typically send a large share of their earnings home. Yourpay's investor Integra Partners frames the product as a response to specific pain points reported by migrant domestic workers in Hong Kong, Taiwan and Singapore: high and opaque remittance fees, delays and scam exposure during transfers, physically distant remittance outlets and long queues, remittance apps lacking e-wallet controls over the timing and amount of transfers, and exclusion from credit services that would let workers build a credit profile.
Business model
Yourpay operates a consumer (B2C) neobank application for Indonesian migrant workers and their families, bundling remittance with payments, savings, lending, investment and insurance-related services. It is described as covering asset management, online banking/neobank services, payment technologies and open banking, with supported rails including bank transfers, card networks (Visa, UnionPay), a cash network and mobile wallet (Alipay), plus mobile SDKs, in-app and mobile payments, and payout capabilities.
Traction
As reported in an April 2026 company profile, Yourpay had facilitated over 4 million transactions for more than 60,000 active users across Indonesia, Taiwan, Hong Kong and Singapore.
Latest developments
In May 2026, Integra Partners published a rationale for its investment in Yourpay, citing the company's migrant-worker neobank model and its BP2MI financial literacy partnership.
▸Full profile — market position, go-to-market, geography, history
Market position
Yourpay targets the Indonesian migrant worker segment, a group its investor describes as underserved by traditional financial systems: over 9 million Indonesians have worked abroad since 2000, remitting more than US$14.5 billion annually, equal to roughly 1% of Indonesian GDP, with each migrant supporting an average of 2.7 family members at home. It competes against incumbent remittance providers characterised as costly, slow and inconveniently located for this demographic.
Differentiation cited by its investor includes an integrated product set (remittance, bill payments, loans, savings, investments, budgeting and e-wallet) built for migrant domestic workers rather than remittance alone, and a distribution model based on migrant community organisations and pre-departure government training centres, including an exclusive arrangement with BP2MI, in place of paid consumer acquisition.
Go-to-market
The company uses a dual-pronged user acquisition approach: working directly with community organisations in migrant hubs abroad, and embedding itself in the pre-departure process for outbound workers. Through a partnership with Badan Perlindungan Pekerja Migran Indonesia (BP2MI), Indonesia's Migrant Workers Protection Board, Yourpay acts as the exclusive Indonesian neobank platform delivering financial literacy training to up to 400,000 Indonesian migrant workers annually across 70 government-run centres. Its investor characterises this as avoiding the high-burn customer acquisition typical of regional B2C fintechs.
Indonesian migrant workers employed abroad—largely women working as domestic helpers in markets such as Hong Kong, Taiwan, Singapore and Malaysia—and their families in rural Indonesia, who receive remittances and have limited access to banking services.
Geography
Headquartered in Indonesia, with users across Indonesia, Taiwan, Hong Kong and Singapore, and stated plans to extend to Korea, Malaysia, Brunei, Japan and Saudi Arabia. Coverage is described as spanning Greater China and the rest of Asia Pacific.
History
Integra Partners announced its backing of Yourpay in May 2026.
Compiled by commissioned research from 6 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 2
launches, deals, and filingsVenture firm Integra Partners published a 'Why We Invested' post stating it is backing Yourpay, which serves Indonesian migrant workers with a neobank app; no amount or round label was disclosed.
Yourpay partnered with Badan Perlindungan Pekerja Migran Indonesia (BP2MI), Indonesia's Migrant Workers Protection Board, becoming the exclusive Indonesian neobank platform delivering financial literacy training to up to 400,000 Indonesian migrant workers annually across 70 government-run pre-departure centres.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
In the news
▸Research sources · 6
primary sources listed
- Welcome to yourpayyourpay.co.in · web
6 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Yourpay do?
- Indonesian neobank app providing remittance, payments, savings, lending and investment services to Indonesian migrant workers.
- Who founded Yourpay?
- Yourpay was founded by Christilia Widjaja.
- Who are Yourpay's investors?
- Yourpay's investors include 500 Global, Integra Partners, W Inc..