Making payments fun again.

From bills to bites, YONO keeps life moving.

One app, endless possibilities.

YONO (You Only Need One) Superapp is more than just a digital wallet – it ʼs a financial companion created right here in Sabah. Built with the community in mind, Yono was designed to make financial planning easier and to support local businesses across the state.

How to be part of the YONO ecosystem? Join us as consumer!

With features tailored to real-life needs, Yono helps users manage their cash flow seamlessly, offering instant loan approval and quick disbursement when itʼs needed most. Beyond that, Yono connects people and merchants through a secure, cashless ecosystem – bringing convenience to everyday payments and creating new opportunities for businesses to grow.

Why YONO

In designing Sabahʼs first Super App, we take into account our usersʼ needs and prioritize their satisfaction and security.

Is YONO secured? Yes, read our Security & Compliance.

Partners & Collaboration

YONO is built on strong partnerships that drive growth and innovation. By collaborating with local businesses, financial institutions, and community partners, we’re building a secure, seamless cashless ecosystem across Sabah – empowering merchants with smarter payment solutions and bringing greater value and convenience to every user. Together, we’re shaping a future where financial services are simple, accessible, and beneficial for all.

How to be part of the YONO ecosystem? Join us as merchant!

Security & Compliance

At YONO, your safety comes first. Every transaction is protected with industry-standard encryption and advanced security measures to keep your data and money secure.

As a homegrown Sabah superapp, YONO complies with Malaysiaʼs financial regulations and guidelines to ensure every feature meets the highest standards of trust and reliability. From instant loan approvals to everyday cashless payments, weʼre committed to giving you peace of mind with every tap.