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Yutai Connect · live in the Yutai app

Own it. Shop there.
Get recognised for both.

Yutai Connect links a holder's bank accounts and cards to what they own. When they pay at a company they hold, Yutai recognises the owner and the customer as the same person, and the program can boost them: a higher tier, more credit for time held, or a voucher.

Connect in the Yutai app See the real screen
For exchanges and wallets: offer Connect inside your app
VERIFIED HOLDERApparel brand
held 2 years
CARD PAYMENTApparel brand store
matched with consent
BOOSTEDOwner-customer tier
one tier up for 90 days
Illustrative
// how_yutai_connect_works

Connect once. Spend as usual. Get boosted.

No new card to carry and nothing to scan at the till. Holders keep paying the way they already do, with the banks and cards they already have.

Current accountconnected
Credit cardconnected
Accessread only
01

Connect a bank or card

The holder picks which accounts to link, through a regulated open banking connection. Yutai reads purchases only. It can never move money, and the holder can disconnect at any time.

Ride, 31 Oct✓ matched
Bakery, 31 Octnot a holding
Ride, 31 Oct✓ matched
02

Spend as usual

Each purchase is checked against the companies the holder owns, across every wallet, chain and exchange account Yutai reads. Matches show up on their own.

Owner-customer tierUnlocked by 3 purchases in 30 days
Claim
03

Get boosted

A company decides what spending unlocks in its holder program. The holder sees it next to the holding, and claims it in the same place.

// the_real_screen

Holder and customer, recognised together.

This is a live Yutai holder account with a connected bank. The account holds Uber shares. Two rides on 31 October were matched to Uber automatically, from live bank data. The bakery and the newsstand were not, because the holder does not own them.

More screens in Yutai in practice →
app.yutai.com/app/spend● live bank data · 2 Nov 2026
yutai AD

Everyday spending. Extra ownership.

Spend to own

A coffee. A new pair. A little more back to you.

Owner credit this year0 points
Purchases matched6
Purchases recognised since 1 January9

Recent purchases

K
Kiosque Presse1 Nov 2026 · Not matched to a company you own
€5.00
U
Uber ride31 Oct 2026
✓ Matched to Uber Technologies, Inc.
You own Uber Technologies, Inc. and you are its customer
Owner credit · Pending
€19.77
B
Local bakery31 Oct 2026 · Not matched to a company you own
€3.00
U
Uber ride31 Oct 2026
✓ Matched to Uber Technologies, Inc.
Owner credit · Pending
€24.46

How it works

Connect your bankChoose a spending account. You stay in control of access.
Spend as usualPurchases at companies you own are matched to them.
Get something backEach matched purchase brings you points.

Companies see how much and how long, never who

  1. 1
    Matched automaticallyThe holder did nothing at the till. Yutai matched both rides from the bank feed and flagged them as owner purchases.
  2. 2
    Private by designCompanies see how much and for how long, never who. Totals only, no names, no account numbers.
  3. 3
    Any card, any bankWorks with the accounts the holder already has, in the Yutai app or inside an exchange or wallet.
// what_spend_can_unlock

Spending becomes part of the holder program.

Each company sets its own rule: one purchase, or a minimum amount over a number of days. When the rule is met, the boost applies.

Illustrative. Not real programs.
TIER BOOSTOne tier up.A holder of a coffee chain buys there three times in 30 days and moves up a tier for the next 90 days, with the perks that come with it.
TIME-HELD MULTIPLIERLoyalty counts faster.A holder who also spends 100 USD a month at an apparel brand sees each month of holding count as two towards the next tier.
VOUCHERSomething back at the till.A first matched purchase at a streaming service unlocks a voucher, delivered in the app and claimed in one tap.
// who_it_is_for

The overlap every company wants to see.

FOR LISTED COMPANIESKnow how many owners are also customers.See, in aggregate, how much your holders spend with you and for how long they have held. Reward the people who both own and use your brand, without ever learning who they are.
FOR EXCHANGES, BROKERS AND WALLETSOffer Connect without touching bank data.One API and SDK call opens Yutai Connect inside your app, identified by your own user id. An embedded, read-only view shows matched purchases. Bank data never reaches you. Integration is free.
FOR HOLDERSThe brands you own, noticing you.Connect the cards you already use. When you shop at a company you own, it shows up beside your holding, with whatever that company has chosen to offer.
15,000+banks and card issuers
50+countries covered
0bank details shared with companies or venues
// how_we_run_it

The holder's data, the holder's choice.

Consent first.Nothing is read until the holder connects an account, and every connection can be removed in one tap.
Read only, purchases only.Yutai reads transactions to find matches. It cannot initiate payments or move money.
Totals, never people.Companies and venues see aggregate figures. Individual purchases stay between the holder and Yutai.
Recognition, not a sales pitch.Boosts are voluntary programs for existing holders. Non-transferable, no cash value, available where local rules allow.

Yutai covers utility and recognition only: no dividends, no voting, no yield. Benefits are voluntary programs offered by issuers or trading venues to verified holders, are not shareholder rights, are non-transferable and have no cash value. Bank and card connections run through regulated open banking providers. The screen shown is rebuilt from a live Yutai holder account as of 2 November 2026; Uber appears because the account holds Uber shares, which does not imply any affiliation with or endorsement by Uber. Other company types on this page are illustrative and do not refer to any real company or program.

Turn customers who own you into your best holders.

Connect is live in the Yutai app today, and available to exchanges and wallets through the Yutai API and SDK.

Try it in the Yutai app I am a listed company Read the docs
Or write to [email protected] · follow @yutaiHQ