Apis Partners

Thunes, founded in 2016 and headquartered in Singapore, is a global B2B payment infrastructure platform that facilitates seamless cross-border payments for various businesses, including major players in the gig economy and fintech sectors. The platform supports transactions in 80 currencies across 132 countries and allows users to accept 300 different payment methods through a single connection. Thunes offers a range of services such as remittance processing, mass payouts, virtual accounts, and payment collection, utilizing application programming interfaces (APIs) to lower transaction fees and enhance interoperability among payment systems. In April 2022, the company acquired a controlling stake in Tookitaki, a compliance platform that bolsters Thunes' capabilities in anti-money laundering and fraud prevention. The company operates regional offices in major cities including London, Paris, and Dubai, and is backed by various investors, including Visa and Bessemer Venture Partners.

Cashfree Payments is a technology company specializing in payment and banking solutions that streamline online transactions for businesses. Its platform supports various payment methods, including UPI, credit and debit cards, net banking, and digital wallets. Notably, Cashfree Payments offers features such as instant refunds, on-demand payouts, and bank account verification, allowing businesses to manage their transactions efficiently. The company also provides a Merchant app that enables users to oversee payments and access their accounts from anywhere at any time. By simplifying bulk outbound payments through easy file uploads or API integration, Cashfree Payments caters to the diverse needs of businesses seeking efficient financial operations.

Leap Finance is an ed-tech company that specializes in supporting Indian students seeking higher education abroad. The company offers a range of services, including guidance for university selection, IELTS preparation, financial planning, visa assistance, and reviews of Statements of Purpose (SOPs). By providing expert counseling and test preparation for exams such as the SAT and IELTS, Leap Finance helps students navigate the complexities of pursuing their educational aspirations overseas.

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 application that simplifies saving, investing, and pension management for individuals. It enables users to save specifically for their first home, making it particularly appealing for first-time buyers. The app allows users to round up spare change from everyday transactions, which can then be saved and invested, offering the potential for higher returns compared to traditional savings accounts. Moneybox provides a range of financial services, including personal savings accounts, investment products, and pension management, all designed to help individuals build wealth over time. The user-friendly interface of the app ensures that managing finances is accessible and straightforward.

Moneybox is a mobile application that simplifies saving, investing, and pension management for individuals. It enables users to save specifically for their first home, making it particularly appealing for first-time buyers. The app allows users to round up spare change from everyday transactions, which can then be saved and invested, offering the potential for higher returns compared to traditional savings accounts. Moneybox provides a range of financial services, including personal savings accounts, investment products, and pension management, all designed to help individuals build wealth over time. The user-friendly interface of the app ensures that managing finances is accessible and straightforward.

MNT-Halan is a microfinance lending and payments company focused on providing financial services to both commercial and retail clients. The company aims to serve the unbanked population and facilitate the transition from cash to electronic payment methods. Its digital ecosystem encompasses a variety of offerings, including small and micro business lending, consumer finance, digital payment solutions such as mobile wallets and cards, and e-commerce services. By leveraging proprietary digital channels and physical networks, MNT-Halan enables clients to digitalize their banking services effectively.

The CareVoice Limited is a Shanghai-based health insurtech company founded in 2013, with an additional office in Hong Kong. It specializes in developing a mobile-based, data-driven software as a service (SaaS) solution that provides community-sourced ratings and recommendations for healthcare services in China. The platform enables patients to share their medical experiences through ratings and reviews, facilitating informed decision-making about hospitals, doctors, and treatments. By consolidating insights from users undergoing similar health journeys, The CareVoice aims to enhance the healthcare experience, making it more consumer-centric. The company is backed by prominent venture capital and healthcare investors, and it focuses on digitalizing the healthcare and insurance landscape to improve patient engagement and outcomes.

Hyperspace is a permanent ticketed experiential attraction developer that creates, builds, operates, and funds attractions. Founded in 2020 and is based inDubai, AE.

TymeBank, a subsidiary of the Tyme Group, specializes in digital banking solutions aimed at providing accessible financial services to the lower-income market. The bank emphasizes affordability, offering secure personal and business accounts online with minimal fees and high savings interest rates. Through its digital platform, TymeBank enables customers to benefit from features such as free card swipes and no monthly fees, making banking services convenient and easy to manage. With a focus on serving over 15 million customers in emerging markets, TymeBank is dedicated to enhancing financial inclusion and providing affordable banking options.

Peach Payments provides payment solutions to online and mobile businesses enabling them to easily accept payments from consumers across the globe and especially from those in the emerging markets. Our specific focus is on Africa and the BRIC countries where the local infrastructure requires a unique and tailored approach to online payments.

MoneyView is a financial management application that helps users track and organize their expenses, bills, and account balances. By deriving financial information from SMS notifications, the app offers real-time visibility of users' finances. In addition to expense management, MoneyView provides access to personal loan services, allowing customers to check their eligibility and secure loans at competitive interest rates through a paperless process. The platform aims to simplify money management by enabling users to monitor their financial health and offering flexible repayment options for loans.

Habitto is a fintech platform focused on alleviating financial anxiety by helping customers cultivate good money habits. It offers a mobile application that provides financial advice and insights tailored to the Japanese market. Through its user-friendly interface, Habitto facilitates digital onboarding and eKYC, allowing users to easily access and manage their finances. The platform features a variety of investment and insurance products, empowering customers to achieve their financial goals while ensuring they have the necessary coverage. By delivering personalized advice and a convenient experience, Habitto aims to enhance users' financial wellbeing.

SecureNow Insurance Broker Private Limited is an insurance brokerage firm based in New Delhi, India, established in 2011. The company provides a comprehensive range of insurance and related services, including life, health, car, and general insurance, as well as specialized coverage such as professional indemnity, commercial general liability, directors and officers liability, and construction all risk insurance. SecureNow also offers marine insurance, office insurance, and employee compensation insurance. Additionally, it provides group health insurance solutions, including maternity coverage and provisions for pre-existing diseases. The firm is recognized for offering fair insurance options and works closely with corporate leaders to address their employee benefits and insurance needs.

Gorila Invest is a fintech company based in São Paulo, Brazil, founded in 2016. It specializes in developing an investment management application that allows users to consolidate their equity holdings and track the historical value of their portfolios. The platform automatically updates users on profitability, market quotations, and corporate events, while providing detailed monthly reports. This functionality enables both individual investors and advisors to manage their investments more effectively and securely. Gorila aims to empower its users with tools to better control their financial assets and enhance their investment strategies.

Halan is a ride-hailing application that provides two and three-wheeler vehicle rides and on-demand logistics. The application also caters to businesses, offering smart-tech last-mile delivery through their integrated smart services using motorcycle and tricycles. It allows customers to request motorbike or tuk-tuk rides, or order food or goods for delivery via motorbikes or cargo tricycles. Halan also offers on-demand logistics solutions to support large organizations and small businesses alike in their distribution and supply chain. It also provides convenience and safety, while for the driver it offers incremental business. The application has delivered partnerships with fast-food chains like McDonald’s, KFC and Pizza Hut in Egypt. Halan was founded in November 2017 and is based in Cairo, Al Qahirah, Egypt.

PT Nusa Satu Inti Artha (dba “DOKU”) is Indonesia’s largest and fastest growing provider of electronic payment and risk management solutions. We provide electronic payment processing, online and in mobile applications. Enabling e-Commerce merchants of any size to accept a wide range of online payment options, from credit cards to emerging payment types. We partner with and connect directly to a large network of payment processors and other payment service providers to offer a one-stop solution for our clients – providing simplified electronic payment management. Our payment solutions are enhanced with the most advanced risk management features to address complexities and risk of online transactions. We are a certified PCI DSS Level 1 compliant payment gateway and a licensed operator for e-money. Founded in 2007, DOKU has a well-established track record in designing, integrating, and optimizing commerce transaction systems for local and international merchants in various industries. From our headquarters in Jakarta, we currently process payments valued in excess of USD500M per year on behalf of 800 businesses in Indonesia. Our respected list of clients includes Garuda Indonesia, AirAsia, Guvera, Unicef, WWF, Java Jazz Production, RajaKarcis, Mulia Hotel, and Bank of South Pacific. Enjoying constant growth, year after year, DOKU remains privately owned.

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, a subsidiary of the Tyme Group, specializes in digital banking solutions aimed at providing accessible financial services to the lower-income market. The bank emphasizes affordability, offering secure personal and business accounts online with minimal fees and high savings interest rates. Through its digital platform, TymeBank enables customers to benefit from features such as free card swipes and no monthly fees, making banking services convenient and easy to manage. With a focus on serving over 15 million customers in emerging markets, TymeBank is dedicated to enhancing financial inclusion and providing affordable banking options.

Cashfree Payments is a technology company specializing in payment and banking solutions that streamline online transactions for businesses. Its platform supports various payment methods, including UPI, credit and debit cards, net banking, and digital wallets. Notably, Cashfree Payments offers features such as instant refunds, on-demand payouts, and bank account verification, allowing businesses to manage their transactions efficiently. The company also provides a Merchant app that enables users to oversee payments and access their accounts from anywhere at any time. By simplifying bulk outbound payments through easy file uploads or API integration, Cashfree Payments caters to the diverse needs of businesses seeking efficient financial operations.

Eureka is an information technology company that specializes in data analytics, big data, and artificial intelligence. It features an AI-based software application platform that utilizes artificial intelligence, mobile operator data, and proprietary data, which provides insights for businesses, companies, and organizations to communicate with potential and existing customers. The company was founded in 2016 and headquartered in Jakarta Raya, Indonesia.

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 specializes in digital payment processing technologies and services, catering to a diverse range of clients including fintech companies, telcos, digital banks, and money transfer providers across Africa, Asia, the Middle East, and Latin America. The company offers an open API that facilitates the issuance and management of both virtual and physical cards, enabling clients to implement payment solutions efficiently. By streamlining the integration process, Tutuka allows its customers to connect to card schemes quickly and cost-effectively, avoiding the complexities and lengthy timelines typically associated with traditional payment processors.

Tutuka specializes in digital payment processing technologies and services, catering to a diverse range of clients including fintech companies, telcos, digital banks, and money transfer providers across Africa, Asia, the Middle East, and Latin America. The company offers an open API that facilitates the issuance and management of both virtual and physical cards, enabling clients to implement payment solutions efficiently. By streamlining the integration process, Tutuka allows its customers to connect to card schemes quickly and cost-effectively, avoiding the complexities and lengthy timelines typically associated with traditional payment processors.

EPS is founded by professionals who have been part of the retail, banking, oil and technology space for more than a decade. EPS senior management together have 30 years of retail payments experience and been in the fore front various new initiatives in the country for last decade or so. EPS has formed primarily to provide quality payment services for value.

GHL Systems Berhad is a prominent payment services provider based in Malaysia, with operations extending across the Philippines, Thailand, Australia, Cambodia, Singapore, and Myanmar. The company is structured into three key segments: Transaction Payment Acquisition, Shared Services, and Solution Services. It offers a variety of services including e-pay solutions for telco prepaid and bill collection, direct merchant acquiring, and electronic payment processing. GHL Systems also deals in the sale, rental, and maintenance of electronic data capture terminals and payment acceptance devices. In addition to hardware and software solutions, the company manages services related to credit and debit card issuance, prepaid and loyalty card management, and card-related outsourcing. GHL Systems operates over 150,000 points of sale in ASEAN and has expanded its reach to more than 20 countries as part of its growth strategy. The company serves a diverse clientele in sectors such as banking, telecommunications, retail, oil and gas, and transportation. Incorporated in 1994, GHL Systems is headquartered in Kuala Lumpur, Malaysia.

Sun King is a solar energy company that specializes in designing, distributing, installing, and financing solar home energy products in Africa and Asia. The company offers a range of solutions, including solar home systems, inverter systems, solar lamps, LED lights, and portable chargers, catering to communities with limited access to reliable energy. To enhance affordability, Sun King provides pay-as-you-go financing options, enabling customers to make small payments over time instead of facing high initial costs. By collaborating with a network of international distribution partners, Sun King aims to expand the off-grid energy market and improve energy access for households and businesses.

Fintech company Rubique, demystifies complex financing processes and empowers individuals & SMEs by providing an easy & smooth access to finance through a wide range of credit cards & loan products thereby, making finance simple for them. Built on a proprietary matchmaking algorithm, Rubique's marketplace lending platform offers breakthrough features like - real time processing & online approval by direct integration with financial institutions’ systems reducing the processing time significantly. Data analytics performed on hundreds of data points on Rubique's platform assesses the creditworthiness of customers (loan origination qualification) bringing predictability by giving him eligible offers to choose from. Rubique offers the best of both worlds – marketplace for the customer to get choices(eligible) + an end to end fulfillment support just like any lender. Founded in Oct 2014, Fintech company Rubique aims to become the largest marketplace for financial products for individuals and SMEs. In September 2015, Rubique raised Series A funding, led by Kalaari Capital, from YourNest Angel Fund, Globevestor and Dexter Angel Circle.

Star Health and Allied Insurance Co Ltd commenced its operations in 2006 with the business interests in Health Insurance, Overseas Mediclaim Policy and Personal Accident. With no other insurance category to focus and divide our attention, we use our resources to focus on service excellence, design products and use core competency of innovation to deliver the best to our customers. At Star Health Insurance, the company offers a wide range of health insurance products at affordable prices to make health insurance every human being’s right. And as a company, single-mindedly dedicated to health insurance.

Baobab Group is a financial services firm focused on enhancing financial inclusion for individuals and small businesses in Africa and China. Founded in 2005 by Arnaud Ventura, the company employs over 3,800 people and operates more than 1,000 locations in countries including Madagascar, Senegal, Nigeria, and China. Baobab specializes in microfinance and digital banking, offering accessible financial products tailored to the needs of low-income individuals and micro, small, and medium-sized enterprises (MSMEs). Since its inception, Baobab has originated over EUR3 billion in loans, positively impacting the lives of hundreds of thousands of clients by helping them unlock their potential and improve their living conditions.

EPS is founded by professionals who have been part of the retail, banking, oil and technology space for more than a decade. EPS senior management together have 30 years of retail payments experience and been in the fore front various new initiatives in the country for last decade or so. EPS has formed primarily to provide quality payment services for value.