Youtap is a financial services software company based in New Zealand. Youtap was established in 2007 and provides banks, payment service providers, retail conglomerates, and mobile operators around the globe with the future of digital banking, payments, and financial services software and solutions. It has created a digital aggregation and processing backbone which connects its strategic partners – banks, telecom operators, and merchants – with a mass market of consumers. Youtap provides partners with secure, transparent peer-to-peer financial services utilizing traditional and distributed ledger processing to provide an interoperable layer between financial institutions, payment providers, and other companies providing financial services to merchants and consumers. Youtap's shareholders include Verifone (a leader in banking and payment technology) and Salim Group (one of the world's largest conglomerates). Youtap has offices in Auckland, New York, Jakarta, and Singapore.