www.ypa.finance

www.ypa.health

YPA is more than finance — it’s a growing ecosystem of apps designed to make everyday life smarter, easier, and more human.

From money to health, beauty, travel, kids, and even pets — every YPA product is built on the same principle: smart technology + real human empathy.

Together, they form YPA Group Inc.™ — one vision, many apps, all created to make life simpler and kinder.

YPA Group Ecosystem

The Heart of YPA Finance

Money is emotional — and that’s okay.

That’s why YPA Finance doesn’t just calculate — it understands.

Our AI-powered Assistants talk, motivate, and explain like a supportive friend — in your language, with your tone.

13+

LANGUAGES

40+

ASSISTANTS

EMPATHY

“In my country we never had credit scores. Coming to the U.S., it was overwhelming, but YPA explained it in plain words — total game-changer.”
Marina K., 30, moved from Ukraine
"I’m new in the U.S., and credit score was black magic to me -until I tried this test version. Now it finally makes sense. Clear, simple, human! Hope you add Vietnamese soon 🙏"
Nguyen T., 28, Vietnam → U.S.
“Cool idea. Finance apps usually bore me to death, but this one felt… idk, human."
Jayden P., 25, LA, from El Salvador
"I used Credit Karma before. YPA’s smaller for now, but it feels fresh. If they keep this vibe, it might actually change how ppl think about money."
Sofia L., 29, moved from Brazil
"Tbh I expected bugs ‘cause early stage, but it ran smooth. Design = fun. Choosing an assistant? That’s awesooooomeee. Never saw it before."
Anna R., 35, freelancer, from Georgia
"Wish I had this when I first landed in Chicago. Took me months to get how bills & scores work… This app explains in minutes. Would’ve saved me gray hair lol."
Viktor K., 38, moved from Poland
"The app just feels… different. Less stress, more human. Picked my assistant and weirdly it kinda motivates me lol. Can’t wait for the full drop."
@Mortol34, 34, Boston, moved from Armenia
"Didn’t explore all yet, but it’s not that boring-banking vibe. The assistant feels alive (scary a bit 😂). Curious how it grows."
Boris, 41, NJ, from Ukraine
"Tested in Spanish. Worked. Assistant even cracked a joke 😂 not bad for finance."
Lu_Maria, 27, student, Puerto Rico
"Tried budget tool. Still simple, but grouped my spending auto-magically. Assistant even popped up in Spanish — nice touch, felt personal."
Lucia M., 27, student, from Mexico
"I only tested the calculator for one of my credit cards — and wow, it showed me how much I’d actually overpay. Even in beta it already makes more sense than my bank’s app."
Dmitry S., 32, moved from Russia
"Honestly? I thought it’d be boring numbers. But my assistant explained CS like I was 5. Finally makes sense. Feels less scary now."
@SamirNYC, 28, from Morocco

What People Say

From newcomers to busy moms to retirees, people from every background tell us the same thing:

Our partners

your data stays safe, private, and always under your control.

Our PRO Features

Smart Tools. Simple Guidance. No Jargon.

Calculator PRO

See the real cost of your debt and how small changes can save you thousands.

Budget PRO

Understand where your money goes and take back control.

Credit Score PRO

Learn and improve your credit score in plain words, in 13+ languages.

What We Do

Managing money shouldn’t feel complicated or out of reach.

YPA Finance helps you understand your credit score, plan your budget, and build confidence — step by step, without jargon, and in your language.

Finally, finance that feels like it’s made for you.

The Brain of   
YPA Finance

Smart design. Simple guidance.

YPA Finance combines AI and behavioral design to make money management intuitive and personal.

Our multilingual assistants interpret data, explain decisions, and help you build confidence — not confusion.

Because finance shouldn’t feel like homework — it should feel like help.

Smarter Finances. Human Touch.

YPA FINANCE

The first multilingual, AI-powered finance app built for everyone still finding their way in money.

Simple tools. Real help. In your language.

Better ways. Smarter money.

Download App

Why It Matters

Financial inclusion isn’t just about access — it’s about understanding.

Millions are left behind by today’s finance. We’re here to change that.

Who We Are

A women-led immigrant team that knows what it’s like to be overlooked — and builds tools that care.
We’ve been there: starting over, learning the system, feeling invisible.

Now we’re turning that experience into real help for those who deserve better.