YMO

YMO is a mobile money and remittance app for people in Europe sending money to recipients in Guinea, and for Guinean users who need everyday transfers and payments.

Key capabilities include:

• Instant transfers to Guinea by phone number, with 0 sending fees and 0 withdrawal fees for transfers from Europe, and funds available immediately to the recipient.
• Nationwide cash withdrawal through 10,000+ withdrawal points across Guinea, including coverage in remote villages.
• Cashless payments for daily expenses such as fuel, taxi rides, and bills, designed to work with or without internet.
• Mobile top-ups and data bundles for Guinea operators including Orange, MTN, and Cellcom.

Available on Web, Android, and iOS.

The product primarily targets the Guinean diaspora in Europe (including France, Switzerland, and the UK) sending money home, alongside local users in Guinea who want digital payments and airtime recharges.

Notable in the Guinea market context, the service promotes a published exchange rate (example shown: 1 EUR = 10,500 GNF), supports a referral program that credits 10€ on a friend’s first transfer, and operates as an Electronic Money Establishment regulated by the Central Bank of the Republic of Guinea (N°D/2022/001 /DSIFI/EME/CAM DU 14 Avril 2022).