Valyou is a Malaysian mobile financial services business unit of Telenor Group licensed and regulated as a money services business (MSB) and approved to issue e-money by Bank Negara Malaysia. Send money from Malaysia to Indonesia, Nepal, Bangladesh, India, Pakistan, Philippines, Vietnam and China from a branch, through an international remittance agent or via mobile wallet app. Valyou mobile wallet app features also include peer-to-peer transfer, prepaid top-up, bill payment and more.