YoT the little payment dot. Stick them on anything and leave your mobile phone in your purse or locker. Buy them with cash or your bank card and then stick them on your card. Easily printed on ZINK paper by merchant themselves, or sold online and delivered to your YOT wallet on your mobile device. Less costly than RFID tags, more flexible and more intutitive to use. YoT are e-cash to share and to use and are not linked to other payment products - so your credit card, your bank account, your phone number and your identity are never compromised. Use them as a gift card, a transit pass or give them to your kids.