YoT the little payment dot. Stick them on anything and leave your mobile in the locker. Easily printed by the merchant themselves, less costly than RFID tags, more flexible and more intutitive to use. Captured by any camera on any digital device.  YoT are not linked to any other payment product -  so your credit card, you bank account, your phone number and your identity can never be compromised. More secure than NFC or RFID when combined with face recognition.            
​YoT come in many shapes and sizes. Stick them on Jewlery, stick them on your thumb (not really but it  works). 
​Durable and water resistant for active people. Keep as large or as small a balance as you wish, no phone, no battery no problem they just work!  Let the Yodo merchant scan your YoT to pay like cash without bills or loose change to carry or lose. Give them as gifts, to your children or your parents,  continue to give as often as you want by transfering funds from your own phone to any YoT, anywhere, any time without a fee.