Apis Partners

Thunes is a global B2B payment infrastructure platform established in 2016, specializing in cross-border payment solutions. It facilitates seamless fund transfers between various payment systems, catering to a diverse range of clients, including major players in the gig economy and fintech sectors. The platform enables businesses and consumers to send and receive payments in 80 currencies across 132 countries, supporting 300 payment methods. Thunes offers a suite of services including remittance processing, mass payouts, virtual accounts, and payment collection, utilizing application programming interfaces (APIs) to enhance accessibility and reduce transaction costs. In April 2022, the company expanded its capabilities by acquiring a controlling stake in Tookitaki, a compliance platform that strengthens its anti-money laundering and fraud prevention measures. Headquartered in Singapore, Thunes operates regional offices in key global cities such as London, Paris, and Dubai, positioning itself as a vital player in the international payment landscape.

Giift operates a loyalty marketplace that enhances the value of loyalty programs by facilitating interaction between customers and diverse loyalty initiatives worldwide. By leveraging advanced technology, Giift has established a unified platform that allows for the exchange of loyalty points, miles, and gift cards across various programs globally. Its innovative approach integrates mobile payment technology with a single loyalty point system, ensuring ease of use and broad accessibility. Giift's marketplace serves multiple sectors, including hospitality, food and beverage, airlines, insurance, retail, banking, and payments, thereby creating a comprehensive ecosystem that fosters customer engagement and strengthens brand loyalty. Through its robust loyalty program management services, Giift helps organizations attract customers and build lasting relationships.

Cashfree Payments is a technology company that provides a payments and banking platform for businesses. The service supports multiple payment methods, including UPI, credit and debit cards, net banking, and digital wallets. It offers features such as instant refunds, on‑demand payouts, bulk outbound payments via simple file uploads or APIs, bank account verification, and recurring payment processing. The platform also enables loan disbursements and provides a merchant application that allows users to manage transactions and access account information from anywhere. By integrating these capabilities into a single interface, Cashfree Payments helps businesses streamline their payment operations and improve cash flow efficiency.

Leap Finance is an ed-tech company focused on supporting Indian students in their pursuit of higher education abroad. The company offers a range of services, including guidance on university selection, preparation for standardized tests like the IELTS and SAT, financial planning, visa assistance, and reviews of Statements of Purpose (SOPs). By providing expert counseling and comprehensive resources, Leap aims to facilitate a smoother educational journey for students aspiring to study internationally.

KPay is a financial technology company that provides comprehensive payment collection solutions to SME merchants. It helps businesses streamline management processes and improve customer retention, business efficiency, and flexibility. KPay creates a more intuitive approach to running a business that enables merchants to reach their maximum potential.

Moneybox is a mobile app facilitating saving, investing, and managing pensions. It encourages users to save spare change from daily spending for future investments.

Moneybox is a mobile app facilitating saving, investing, and managing pensions. It encourages users to save spare change from daily spending for future investments.

MNT-Halan is a microfinance lending and payments company focused on serving the unbanked population and promoting electronic payment solutions. The company offers a diverse range of financial services, including small and micro business lending, consumer finance, and digital payment options such as mobile wallets and cards. By combining proprietary digital channels with physical networks, MNT-Halan aims to facilitate the digitalization of banking services for both commercial and retail clients. Through its innovative solutions, MNT-Halan seeks to replace cash transactions with more accessible and efficient electronic alternatives.

The CareVoice Limited is a Shanghai-based company founded in 2013 that specializes in mobile-based, data-driven software solutions aimed at enhancing the healthcare experience in China. The company provides a platform that offers community-sourced ratings and recommendations for healthcare services, including hospitals, doctors, and treatments. Patients can share their experiences through ratings and reviews, fostering a collaborative environment for individuals undergoing similar medical journeys. By digitalizing the healthcare and insurance processes, The CareVoice aims to create a more consumer-centric approach to healthcare, facilitating better decision-making for patients and improving overall patient experiences. The company also has an office in Hong Kong, reflecting its international presence in the health insurtech sector.

HyperSpace is a developer of permanent ticketed experiential attractions based in Dubai, established in 2020. The company specializes in creating, building, operating, and funding attractions that leverage blockchain technology and extended reality. HyperSpace aims to integrate these technologies into its entertainment parks, offering a unique blend of physical and digital experiences. Its innovative system enables the creation of a front-end metaverse that connects users in real-time, providing an interactive and immersive environment designed for exploration and social engagement.

TymeBank specializes in digital banking, offering accessible financial services to lower-income individuals and small businesses. It provides secure personal and business accounts with minimal fees and competitive savings interest rates through its online platform.

Peach Payments is a company that specializes in providing payment solutions for online and mobile businesses, facilitating the acceptance of payments from consumers worldwide, with a strong emphasis on emerging markets, particularly in Africa and the BRIC countries. The company has developed an online payment platform that offers a variety of electronic payment services. This platform features a well-documented API for easy integration, allows payment collection through email and SMS, and includes secure tokenization for storing card data. Additionally, it enhances user experience by enabling one-click checkouts, ensuring a safe and efficient transaction process across all digital channels.

MoneyView is a financial management application designed to help users track and organize expenses, bills, and account balances. It utilizes SMS data to derive financial information, providing users with real-time visibility of their finances. In addition to expense management, MoneyView offers services related to personal loans, allowing users to check their loan eligibility and access low-interest loans through a completely paperless process. The platform emphasizes user-friendly financial management by enabling customers to track their spending while offering flexible repayment terms on loans. Through these comprehensive services, MoneyView aims to enhance users' overall financial awareness and facilitate better money management.

Adumo is a fintech company focused on transforming the payment acceptance landscape in sub-Saharan Africa. It provides payment processing services that allow business owners to securely accept a variety of payment types through an omnichannel approach. Adumo supports a diverse range of merchants, including multinational corporations, independent retailers, entrepreneurs, and informal traders. In addition to payment processing, the company offers tools for working capital requirements, consumer engagement, and business support, along with an in-store consumer credit platform and necessary hardware. Through its services, Adumo aims to help businesses grow, simplify operations, and optimize their payment experiences, all while ensuring end-to-end transaction reconciliation and delivering valuable business insights.

DT One operates a global network focused on mobile top-up solutions and digital rewards, aiming to enhance connectivity for over five billion people in emerging economies. The company interconnects more than 550 mobile operators across 160 countries, providing accessible digital communication tools that facilitate participation in the global economy. Through its digital micropayment platform, DT One enables businesses to offer cross-border transfers of mobile top-ups, data bundles, gaming pins, and gift cards. This service ensures that individuals can maintain their social connections and access essential digital services.

Giift operates a loyalty marketplace that enhances the value of loyalty programs by facilitating interaction between customers and diverse loyalty initiatives worldwide. By leveraging advanced technology, Giift has established a unified platform that allows for the exchange of loyalty points, miles, and gift cards across various programs globally. Its innovative approach integrates mobile payment technology with a single loyalty point system, ensuring ease of use and broad accessibility. Giift's marketplace serves multiple sectors, including hospitality, food and beverage, airlines, insurance, retail, banking, and payments, thereby creating a comprehensive ecosystem that fosters customer engagement and strengthens brand loyalty. Through its robust loyalty program management services, Giift helps organizations attract customers and build lasting relationships.

Habitto is a fintech platform focused on alleviating financial anxiety by helping customers develop healthy money habits. The company offers personalized financial advice through its mobile application, which serves as a single point for customer acquisition. With features that include digital onboarding and electronic Know Your Customer (eKYC), Habitto provides users with daily access to their financial status and policy information. The platform also offers a variety of investment and insurance products, enabling customers to effectively save, grow, and protect their money while working towards their financial goals.

SecureNow Insurance Broker Private Limited is an insurance broking firm based in New Delhi, India, established in 2011. The company specializes in providing a wide range of insurance products and services, including life, health, and auto insurance, as well as general and commercial insurance options. SecureNow also offers specialized coverage such as professional indemnity, directors and officers liability, construction all risk, marine insurance, and employee compensation insurance. Additionally, the firm provides group health insurance plans with features like maternity coverage and provisions for pre-existing diseases. SecureNow is known for its commitment to delivering fair insurance options and collaborates closely with business leaders, including CEOs, CFOs, and HR executives, to tailor insurance solutions that meet their specific needs.

Giift operates a loyalty marketplace that enhances the value of loyalty programs by facilitating interaction between customers and diverse loyalty initiatives worldwide. By leveraging advanced technology, Giift has established a unified platform that allows for the exchange of loyalty points, miles, and gift cards across various programs globally. Its innovative approach integrates mobile payment technology with a single loyalty point system, ensuring ease of use and broad accessibility. Giift's marketplace serves multiple sectors, including hospitality, food and beverage, airlines, insurance, retail, banking, and payments, thereby creating a comprehensive ecosystem that fosters customer engagement and strengthens brand loyalty. Through its robust loyalty program management services, Giift helps organizations attract customers and build lasting relationships.

Gorila is a Brazilian fintech that provides an investment management platform designed to consolidate all personal investments in one place. The platform automatically updates profitability, quotes, prices, and corporate events across connected accounts and generates monthly reports, helping investors view and manage their portfolios with up-to-date analytics. Based in Sao Paulo and founded in 2016, Gorila targets investors and advisors seeking a secure, centralized tool to monitor performance, track holdings, and organize investments efficiently.

Halan is an Egyptian technology company established in 2017, operating a mobile application that caters to various consumer needs through a single platform. The app offers ride-hailing services for two and three-wheeler vehicles, on-demand logistics solutions, food delivery, and goods transportation via motorbikes or cargo tricycles. Halan also facilitates e-payments and microfinance services for its users. It has partnered with prominent fast-food chains in Egypt to provide last-mile delivery services using smart-tech integrated systems. The company aims to enhance convenience and safety for customers while offering incremental business opportunities for drivers, supporting both large organizations and small businesses in their distribution needs.

PT Nusa Satu Inti Artha, operating as DOKU, is Indonesia's leading provider of electronic payment and risk management solutions for businesses of all sizes. Established in 2007, DOKU offers a comprehensive payment gateway that enables merchants to accept various online payment methods securely. With advanced risk management features and PCI DSS Level 1 compliance, DOKU processes over USD500M annually on behalf of approximately 800 clients across diverse industries, including notable names like Garuda Indonesia, AirAsia, and Unicef. Privately owned and headquartered in Jakarta, the company has consistently grown since its inception, providing a one-stop solution for simplified electronic payment management.

RenewBuy operates an online insurance aggregator platform that simplifies the process of renewing insurance policies, particularly for car insurance. The platform utilizes proprietary technology to search and compare hundreds of policy types and prices from various insurance providers, allowing users to quickly obtain quotes and secure coverage without the interference of sales calls. By offering a transparent and user-friendly experience, RenewBuy enables individuals to select insurance policies that best meet their needs in just a few minutes.

TymeBank specializes in digital banking, offering accessible financial services to lower-income individuals and small businesses. It provides secure personal and business accounts with minimal fees and competitive savings interest rates through its online platform.

Cashfree Payments is a technology company that provides a payments and banking platform for businesses. The service supports multiple payment methods, including UPI, credit and debit cards, net banking, and digital wallets. It offers features such as instant refunds, on‑demand payouts, bulk outbound payments via simple file uploads or APIs, bank account verification, and recurring payment processing. The platform also enables loan disbursements and provides a merchant application that allows users to manage transactions and access account information from anywhere. By integrating these capabilities into a single interface, Cashfree Payments helps businesses streamline their payment operations and improve cash flow efficiency.

Prenetics Limited is a biotechnology company specializing in pharmacogenomics and genetic testing. Established in Hong Kong in 2007, the company offers iGenes PGx test to help physicians tailor drug treatments based on patients' genetic profiles, covering cardiovascular, psychiatric, pain, hypersensitivity, and commonly prescribed drugs. Additionally, Prenetics provides ONEdna, a DNA screening service offering gene analysis and actionable recommendations.

Eureka is an information technology company focused on data analytics, big data, and artificial intelligence. It develops an AI-based software platform that analyzes mobile operator data and proprietary datasets to generate insights for businesses, enabling targeted customer engagement and data-driven decision making. The platform supports building scalable ML-powered strategies, helping organizations reach the right customers and maximize value from data across systems. Founded in 2016 and based in Jakarta, Indonesia, Eureka combines data science and operational tools to translate complex data into actionable intelligence for commercial applications.

Coda Payments Pte Ltd. is a Singapore-based company that specializes in mobile payment solutions, enabling customers to pay for online digital content and services via their mobile devices. Established in 2011, Coda facilitates monetization for digital content providers across more than twenty emerging markets, partnering with publishers of popular games and streaming platforms to enhance payment acceptance. The company operates Codapay, allowing users to make payments directly on various websites and Codashop, a platform visited by over 11 million users monthly for topping up digital services. Coda also collaborates with e-commerce and telecommunications partners to offer diverse payment options, including direct carrier billing and various alternative channels. Its operations span multiple countries, including Indonesia, India, and Brazil, ensuring that digital content providers receive timely payments through a secure and versatile monetization platform.

Tutuka is a developer of digital payment processing technologies and services, operating across Africa, Asia, the Middle East, and Latin America. The company provides an open API that allows fintechs, telcos, digital banks, and money transfer providers to seamlessly enable payments through both virtual and physical cards. By offering solutions that facilitate the rapid creation, issuance, and management of these cards, Tutuka helps its clients integrate into card schemes efficiently, avoiding the complexities and delays typically associated with traditional payment processors. This enables large and mid-sized companies to enhance their payment capabilities effectively and cost-efficiently.

Tutuka is a developer of digital payment processing technologies and services, operating across Africa, Asia, the Middle East, and Latin America. The company provides an open API that allows fintechs, telcos, digital banks, and money transfer providers to seamlessly enable payments through both virtual and physical cards. By offering solutions that facilitate the rapid creation, issuance, and management of these cards, Tutuka helps its clients integrate into card schemes efficiently, avoiding the complexities and delays typically associated with traditional payment processors. This enables large and mid-sized companies to enhance their payment capabilities effectively and cost-efficiently.

EPS offers payment services, including automated teller machine operations, outsourcing, managed services, digital payments, transaction processing, and card management. With over three decades of collective experience in retail payments, banking, oil, and technology sectors, EPS serves financial institutions across India.

GHL Systems is a leading payment service provider in Southeast Asia, offering comprehensive solutions including physical, internet, and mobile payments. With operations across Malaysia, Philippines, Thailand, Australia, and other countries, the company serves over 150,000 points of sale, enabling credit card, debit card, prepaid contactless payment, loyalty programs, prepaid top-ups, and bill payment collections.

Sun King is a solar energy company that specializes in providing off-grid power solutions across Africa and Asia. It designs, manufactures, and distributes solar home systems, inverter systems, and portable lanterns, targeting communities with limited access to reliable electricity. Sun King offers pay-as-you-go financing options, enabling customers to acquire these products through small, affordable installments over time. The company collaborates with international distribution partners to expand its reach within the off-grid market.

DPO Group is a leading Payment Services Provider in Africa, specializing in innovative online payment processing solutions for businesses of all sizes, from small and medium enterprises to large global corporations. The company develops its technology in-house, allowing for fast and secure transactions both locally and internationally. DPO Group's platform supports a wide range of payment methods, including credit and debit cards, mobile money, and QR codes, across various currencies and interfaces. With a particular focus on the travel industry, DPO Group offers a real-time, cloud-based processing platform that accommodates multiple transaction types and includes features such as 24/7 fraud protection monitoring to ensure secure payment experiences for its clients.

Rubique is a fintech company founded in October 2014 that specializes in providing an online lending marketplace designed to simplify the financing process for individuals and small to medium-sized enterprises (SMEs). The company employs a proprietary matchmaking algorithm that facilitates real-time processing and online approvals by integrating directly with financial institutions' systems, significantly reducing processing times. Rubique assesses the creditworthiness of customers through data analytics on numerous data points, enabling it to offer personalized financing options. By creating a marketplace that presents eligible choices alongside comprehensive fulfillment support, Rubique aims to enhance access to various credit cards and loan products. The company seeks to become the largest marketplace for financial products catering to the needs of individuals and SMEs.

Transfast is a money transfer company based in New York, established in 1988. It specializes in providing remittance services that allow customers to send money to family and friends through a wide network of agents and payout locations. The company offers various services, including home cash delivery and cash card credit options. In addition to traditional remittance, Transfast has developed a multi-currency cross-border payment application that facilitates efficient and secure transactions. This application supports bank account, mobile wallet, and cash payment capabilities, enabling both consumers and businesses to transfer funds quickly and conveniently across borders.

DPO Group is a leading Payment Services Provider in Africa, specializing in innovative online payment processing solutions for businesses of all sizes, from small and medium enterprises to large global corporations. The company develops its technology in-house, allowing for fast and secure transactions both locally and internationally. DPO Group's platform supports a wide range of payment methods, including credit and debit cards, mobile money, and QR codes, across various currencies and interfaces. With a particular focus on the travel industry, DPO Group offers a real-time, cloud-based processing platform that accommodates multiple transaction types and includes features such as 24/7 fraud protection monitoring to ensure secure payment experiences for its clients.

Star Health and Allied Insurance Company Limited, established in 2006 and headquartered in Chennai, India, specializes exclusively in health insurance products. The company provides a diverse range of offerings, including policies for individuals, families, senior citizens, personal accidents, Mediclaim, and overseas travel insurance. By concentrating solely on health insurance, Star Health aims to excel in service quality and innovation, ensuring that its products remain accessible and affordable. The company is committed to making health insurance a fundamental right for all individuals, reflecting its dedication to enhancing the well-being of its customers.

Founded in 2005 by Arnaud Ventura, Baobab Group is a leading digital finance company focused on financial inclusion for individuals and small businesses across Africa and China. With over 3,800 employees and 1,000 points of presence, the group has originated over EUR3 billion in loans, empowering hundreds of thousands of people.

EPS offers payment services, including automated teller machine operations, outsourcing, managed services, digital payments, transaction processing, and card management. With over three decades of collective experience in retail payments, banking, oil, and technology sectors, EPS serves financial institutions across India.