East Ventures

Qapita is a software-as-a-service platform that specializes in equity and transaction management services. The company offers an equity management platform that facilitates the management of capitalization tables, employee stock ownership plans (ESOPs), and the digital issuance of ESOPs. This platform is designed to assist equity stakeholders in efficiently managing their holdings throughout South and Southeast Asia. By digitizing these processes, Qapita aims to streamline the complexities associated with equity management, enabling users to work more effectively and with greater accuracy.

Hukumku is a legal technology startup based in Indonesia, offering a platform that connects users with legal professionals. The platform provides detailed information about lawyers, including their profiles, licenses, areas of expertise, locations, and user ratings, enabling clients to access transparent and affordable legal services.

Ringkas is a digital mortgage platform focused on addressing housing accessibility by streamlining the mortgage process. The company aims to democratize home ownership by allowing users to pre-qualify for a home budget quickly and at no cost. By leveraging technology, Ringkas efficiently matches customer profiles with pre-qualified mortgage rates and facilitates connections with trusted partners to assist in qualifying individuals for mortgages. This innovative approach not only enhances the overall customer experience but also seeks to make home ownership more attainable for a broader audience.

Linda Pesa is a provider of business management applications tailored for small and medium enterprises (SMEs) in Africa. The company focuses on helping business owners manage their operations effectively and gather essential credit information. By offering a suite of financial software, Linda Pesa supports SMEs with comprehensive digital tools that consolidate financial management and credit information into a single, accurate, and timely system. This approach enables business owners to access vital data, facilitating informed decision-making and fostering growth within their enterprises.

Komunal is a financial technology company based in Indonesia that specializes in peer-to-peer lending services. The company operates a platform that directly connects borrowers, primarily small and medium enterprises (SMEs), with lenders. By facilitating these connections, Komunal provides a funding alternative that offers competitive interest rates and minimal risk for lenders, while enabling SMEs to access unsecured business loans. This approach not only supports individual businesses but also contributes to broader economic growth in Indonesia by fostering relationships between potential borrowers and funders.

Digital Manufacturing Ecosystem for Indonesia. Focus on B2B Manufacturing, partner of Ministry of Industry Indonesia as Manufacturing hub. Help to connect, Supplies raw material until project financing.

Pocket is an Indonesia-based fintech company that offers a comprehensive platform designed to enhance family financial management. The platform enables users to set budgets for children's pocket money and monthly shopping expenses, providing tools to prevent overspending and manage finances effectively. It allows family members to create trackable, separable, and fully digital accounts for depositing, saving, and spending money. By focusing on financial health, Pocket aims to empower families in their financial decision-making and budgeting processes.

Cashgrow is an all-in-one payment and expense management platform for businesses and SME merchants in Vietnam

Fairbanc is an online payments platform based in San Francisco, California, that caters to small and medium enterprises (SMEs) in emerging markets. The company offers a scalable, AI-powered solution that provides instant digital credit lines without requiring collateral or a credit history. By analyzing digital footprints such as transaction histories with large suppliers and relevant mobile data, Fairbanc enables SMEs to purchase inventory from selected suppliers. This innovative approach helps retail shop owners increase sales, streamline payment processes, and develop credit histories, while suppliers benefit from more consistent order cycles and faster payments. Fairbanc's gender-intelligent ecosystem is designed to address the limitations of cash transactions across various vertical markets.

Pintarnya is a mobile application designed to enhance employment and financial opportunities for blue-collar workers in Indonesia. The platform operates as a job portal that employs a data-driven approach to connect job seekers with relevant job opportunities. Users can create simple resumes and apply for curated positions tailored to their skills, location, and the specific requirements of employers. By streamlining the hiring process, Pintarnya aims to make it more efficient for both job seekers and employers.

Lista is a rapidly growing financial technology company based in the Philippines, focused on assisting the nation's 110 million citizens in achieving financial progress. As a leading credit and financial management application, it offers direct access to credit scores and reports, providing users with immediate insights into their financial health. With over 2.5 million downloads, Lista equips individuals with tools to enhance their financial literacy and improve their credit standing. Additionally, the company has developed a bookkeeping app tailored for micro, small, and medium enterprises (MSMEs), allowing them to manage finances effectively by tracking debts, recording transactions, and issuing invoices. Backed by prominent regional venture capital funds, Lista is recognized as one of Southeast Asia's promising startups.

JiPay is a financial platform that facilitates the management of household spending for employers and domestic workers. The JiPay app, in conjunction with a prepaid Mastercard, allows employers to issue a dedicated card to their domestic helpers, enabling them to make approved purchases. This system includes features such as app-based top-ups, budgeting tools, spending limits, and real-time purchase monitoring. By promoting a cashless economy, JiPay helps households gain better control over their finances while fostering trust between employers and domestic workers.

Fraction is a technology company that provides a fractional ownership infrastructure on an internet-scale. Users can invest in, sell, and manage fractional ownership of anything using its plug-and-play platform. Its products enable fractional ownership for real estate developers, small and medium-sized businesses, investment funds and pooled capital, and everything in between.

KoinWorks is a prominent financial technology company in Indonesia, recognized for its innovative approach to financial services. It operates a peer-to-peer lending platform that facilitates connections between investors and borrowers, offering loans for various purposes, including business ventures, healthcare needs, and educational pursuits. KoinWorks aims to provide accessible and affordable financial solutions through a comprehensive app that allows users to manage both assets and liabilities in one place. The company has received accolades for its contributions to financial innovation, including the Asian Banker Financial Innovation Award in 2019 for its lending services. Through its efficient online system, KoinWorks seeks to enhance financial inclusivity and empower individuals and businesses in their financial journeys.

Firstcard is a financial technology company focused on assisting students in managing their finances effectively. The company offers debit cards designed specifically for this demographic, featuring no annual sign-up or overdraft fees and no minimum account balance requirements. Additionally, Firstcard provides cashback rewards on every transaction, making it easier for college students to save money on everyday purchases. Through its mobile application, Firstcard aims to simplify financial management for students, empowering them to handle their expenses with greater ease and efficiency.

Lista is a rapidly growing financial technology company based in the Philippines, focused on assisting the nation's 110 million citizens in achieving financial progress. As a leading credit and financial management application, it offers direct access to credit scores and reports, providing users with immediate insights into their financial health. With over 2.5 million downloads, Lista equips individuals with tools to enhance their financial literacy and improve their credit standing. Additionally, the company has developed a bookkeeping app tailored for micro, small, and medium enterprises (MSMEs), allowing them to manage finances effectively by tracking debts, recording transactions, and issuing invoices. Backed by prominent regional venture capital funds, Lista is recognized as one of Southeast Asia's promising startups.

Qapita is a software-as-a-service platform that specializes in equity and transaction management services. The company offers an equity management platform that facilitates the management of capitalization tables, employee stock ownership plans (ESOPs), and the digital issuance of ESOPs. This platform is designed to assist equity stakeholders in efficiently managing their holdings throughout South and Southeast Asia. By digitizing these processes, Qapita aims to streamline the complexities associated with equity management, enabling users to work more effectively and with greater accuracy.

Komunal is a financial technology company based in Indonesia that specializes in peer-to-peer lending services. The company operates a platform that directly connects borrowers, primarily small and medium enterprises (SMEs), with lenders. By facilitating these connections, Komunal provides a funding alternative that offers competitive interest rates and minimal risk for lenders, while enabling SMEs to access unsecured business loans. This approach not only supports individual businesses but also contributes to broader economic growth in Indonesia by fostering relationships between potential borrowers and funders.

DIRIGIO, Inc. is a Japanese company established in 2016, specializing in the development of a mobile order and pay application known as PICKS. The application facilitates a cashless transaction process, allowing users to pre-order food, browse restaurant menus, and make payments directly from their smartphones. This streamlined platform enables customers to discover various dining options and receive freshly prepared meals without waiting in line, enhancing the overall convenience of the takeout experience. Through its innovative approach, DIRIGIO aims to simplify the ordering process while improving customer satisfaction in the food service industry.

Fairbanc is an online payments platform based in San Francisco, California, that caters to small and medium enterprises (SMEs) in emerging markets. The company offers a scalable, AI-powered solution that provides instant digital credit lines without requiring collateral or a credit history. By analyzing digital footprints such as transaction histories with large suppliers and relevant mobile data, Fairbanc enables SMEs to purchase inventory from selected suppliers. This innovative approach helps retail shop owners increase sales, streamline payment processes, and develop credit histories, while suppliers benefit from more consistent order cycles and faster payments. Fairbanc's gender-intelligent ecosystem is designed to address the limitations of cash transactions across various vertical markets.

Qapita is a software-as-a-service platform that specializes in equity and transaction management services. The company offers an equity management platform that facilitates the management of capitalization tables, employee stock ownership plans (ESOPs), and the digital issuance of ESOPs. This platform is designed to assist equity stakeholders in efficiently managing their holdings throughout South and Southeast Asia. By digitizing these processes, Qapita aims to streamline the complexities associated with equity management, enabling users to work more effectively and with greater accuracy.

Qapita is a software-as-a-service platform that specializes in equity and transaction management services. The company offers an equity management platform that facilitates the management of capitalization tables, employee stock ownership plans (ESOPs), and the digital issuance of ESOPs. This platform is designed to assist equity stakeholders in efficiently managing their holdings throughout South and Southeast Asia. By digitizing these processes, Qapita aims to streamline the complexities associated with equity management, enabling users to work more effectively and with greater accuracy.

Stockbit is an investment community based in Indonesia that facilitates real-time sharing of stock-related ideas, news, and financial information. The platform allows users to create profiles and follow specific stocks or favorite investors, providing access to valuable insights and discussions. It features monitoring tools for stock price charts and comprehensive financial data, enabling users to analyze individual stocks and engage in informed discussions. Stockbit is dedicated to enhancing the investment experience within the Indonesian market, empowering both individual investors and traders to make well-informed decisions.

Crezit, Inc., founded in 2019 and based in Minato, Japan, operates in the finance and consumer credit sector. The company provides a variety of financial products and services, accessible through a mobile application. Crezit aims to transform the lending experience by prioritizing transparency and simplicity, moving away from traditional lending models. This approach enables consumers to access credit and financial services more easily and efficiently.

Finantier operates an open finance platform that delivers essential infrastructure and data products for businesses in Southeast Asia. Founded in 2020 and based in Jakarta Selatan, Indonesia, the company enables institutions to access and enrich datasets from various financial sources, including banks and financial companies. Its platform facilitates services such as account integration, income and identity verification, and recurring payment management. By utilizing application programming interfaces (APIs), Finantier allows businesses to build advanced financial services that integrate consumer data from personal bank accounts, card details, loans, and mortgages. The company aims to position itself as a central player in the region's digital economy.

GarageBank Corporation, established on January 22, 2020, specializes in the planning, development, sales, and leaseback services for individuals. The company has developed a property asset management and utilization application called "Cashari," which provides users with instant access to the asset value of their owned items, including digital gadgets and branded products. This user-friendly app allows individuals to easily access funds as needed. In a strategic move to expand its service offerings, Cashari has recently begun to include outdoor and leisure goods, brand watches, and clothing-related items, broadening the scope of assets that can be managed and monetized through the platform.

Kim An Consulting Investment JSC is a fintech company based in Ho Chi Minh City, Vietnam, established in 2013. It operates a mobile application and online platform that connects banks and financial institutions with local micro, small, and medium enterprises (MSMEs). The platform facilitates various services, including loan management, credit scoring, and flexible repayment options on daily, weekly, and monthly schedules. By bridging the gap between institutional funding and MSMEs, Kim An aims to support business owners in accessing sustainable capital and scaling their operations effectively.

Paytner is a company that offers an online invoicing platform aimed at supporting freelancers in Japan, a demographic that has been steadily growing. The platform allows businesses to purchase pre-payment invoices sent by their partners, facilitating rapid payment to freelancers within an hour. By enabling invoice purchases before deposits are made, Paytner helps clients manage their funding and payment cycles efficiently, addressing challenges such as access to financial resources and improving the overall working environment. The company is committed to alleviating issues related to funding, credit, and workplace harassment, thereby enhancing the conditions for the freelance workforce.

BukuWarung is a technology company focused on providing digital infrastructure for the approximately 60 million micro, small, and medium enterprises (MSMEs) in Indonesia. The company offers a platform that enables users to efficiently manage their financial transactions by recording daily sales, income, and customer accounts payable. Its services include bookkeeping, sending bills through messaging applications, receiving digital payments, and generating daily business reports. By leveraging these tools, BukuWarung aims to empower MSMEs to enhance their financial awareness and business operations through technology.

Helicap is a fintech investment platform based in Southeast Asia and Oceania, specializing in alternative lending. The company aims to bridge the funding gap faced by small and medium-sized enterprises (SMEs) and individuals who are often underserved by traditional banks. By leveraging data-driven technology, Helicap transforms the way both consumers and corporations access credit, offering curated investment opportunities that prioritize attractive returns while effectively managing risk. Its platform connects investors with scalable and responsible debt financing solutions, enabling them to achieve high yields with lower risk. Through its innovative approach, Helicap addresses critical gaps in consumer and corporate credit markets, enhancing access to capital for those in need.

BukuWarung is a technology company focused on providing digital infrastructure for the approximately 60 million micro, small, and medium enterprises (MSMEs) in Indonesia. The company offers a platform that enables users to efficiently manage their financial transactions by recording daily sales, income, and customer accounts payable. Its services include bookkeeping, sending bills through messaging applications, receiving digital payments, and generating daily business reports. By leveraging these tools, BukuWarung aims to empower MSMEs to enhance their financial awareness and business operations through technology.

Stockbit is an investment community based in Indonesia that facilitates real-time sharing of stock-related ideas, news, and financial information. The platform allows users to create profiles and follow specific stocks or favorite investors, providing access to valuable insights and discussions. It features monitoring tools for stock price charts and comprehensive financial data, enabling users to analyze individual stocks and engage in informed discussions. Stockbit is dedicated to enhancing the investment experience within the Indonesian market, empowering both individual investors and traders to make well-informed decisions.

Komunal is a financial technology company based in Indonesia that specializes in peer-to-peer lending services. The company operates a platform that directly connects borrowers, primarily small and medium enterprises (SMEs), with lenders. By facilitating these connections, Komunal provides a funding alternative that offers competitive interest rates and minimal risk for lenders, while enabling SMEs to access unsecured business loans. This approach not only supports individual businesses but also contributes to broader economic growth in Indonesia by fostering relationships between potential borrowers and funders.

PT. Julo Teknologi Perdana operates a mobile application that offers affordable unsecured personal loans to smartphone users, primarily targeting the underbanked population in Indonesia. The platform connects borrowers with institutional lenders, facilitating a streamlined loan application process that allows users to submit personal documents digitally and receive funds within a day after successful verification. Utilizing machine learning, the company assesses borrowers' creditworthiness to determine interest rates and credit limits. JULO promotes responsible borrowing by rewarding positive behavior with cashback bonuses and offering lower interest rates for reliable customers. Founded in 2016 and based in South Jakarta, JULO aims to provide low-cost loan products while maintaining economic viability for its lending partners.

The STIR network is operated by Ethersecurity Pacific Holdings Pte. Ltd, headquartered in Singapore, and Ethersecurity Inc, headquartered in Japan.

Stockbit is an investment community based in Indonesia that facilitates real-time sharing of stock-related ideas, news, and financial information. The platform allows users to create profiles and follow specific stocks or favorite investors, providing access to valuable insights and discussions. It features monitoring tools for stock price charts and comprehensive financial data, enabling users to analyze individual stocks and engage in informed discussions. Stockbit is dedicated to enhancing the investment experience within the Indonesian market, empowering both individual investors and traders to make well-informed decisions.

MobilKamu is an online car financing platform based in South Jakarta, Indonesia, founded in 2015. The company aims to streamline the car buying and selling process by providing an end-to-end solution for consumers. Its platform curates the best deals available, assists customers in selecting suitable cars, and offers information on down payments and installment plans from various showrooms. Additionally, MobilKamu facilitates the credit process, ensuring that customers can effectively navigate their options when purchasing a new car. Through the integration of technology and dedicated customer service, MobilKamu enhances the overall car buying experience for consumers in Jakarta.

Jojonomic is a mobile personal financial application that aims to transform financial management for users. The company specializes in developing expense management software that provides a cloud-based interface for comprehensive business management. This software encompasses various functions, including human resources, finance, sales and marketing, and operations. By offering these tools, Jojonomic enables businesses to operate more efficiently and supports teams in achieving optimal results.

Helicap is a fintech investment platform based in Southeast Asia and Oceania, specializing in alternative lending. The company aims to bridge the funding gap faced by small and medium-sized enterprises (SMEs) and individuals who are often underserved by traditional banks. By leveraging data-driven technology, Helicap transforms the way both consumers and corporations access credit, offering curated investment opportunities that prioritize attractive returns while effectively managing risk. Its platform connects investors with scalable and responsible debt financing solutions, enabling them to achieve high yields with lower risk. Through its innovative approach, Helicap addresses critical gaps in consumer and corporate credit markets, enhancing access to capital for those in need.

BRD is a financial software company that specializes in developing blockchain applications, particularly a non-custodial Bitcoin wallet. Founded in 2015 by Aaron Voisine and Adam Traidman, and headquartered in Zurich, Switzerland, BRD provides a secure platform for users to buy, store, and manage cryptocurrencies. The application enables users to convert Bitcoin into other cryptocurrencies, including Bitcoin Cash and Ethereum, facilitating seamless transactions. Additionally, BRD offers various services such as crypto purchasing, commercial register information, credit ratings, trading, and merchant solutions, catering to a global customer base.

PT. Julo Teknologi Perdana operates a mobile application that offers affordable unsecured personal loans to smartphone users, primarily targeting the underbanked population in Indonesia. The platform connects borrowers with institutional lenders, facilitating a streamlined loan application process that allows users to submit personal documents digitally and receive funds within a day after successful verification. Utilizing machine learning, the company assesses borrowers' creditworthiness to determine interest rates and credit limits. JULO promotes responsible borrowing by rewarding positive behavior with cashback bonuses and offering lower interest rates for reliable customers. Founded in 2016 and based in South Jakarta, JULO aims to provide low-cost loan products while maintaining economic viability for its lending partners.

Indodax, established in 2014 as the first and longest-running blockchain digital asset exchange in Indonesia, serves as a marketplace for buying, selling, and trading cryptocurrencies. The platform facilitates secure, real-time trading by connecting sellers and buyers of crypto assets, primarily using the Indonesian Rupiah. Indodax emphasizes compliance with regulatory standards to foster trust among its users. With a commitment to exceptional customer service and continuous innovation, the company has established itself as a leader in the Indonesian cryptocurrency market, focusing on building long-term relationships with clients while expanding the range of available investment options.

MobilKamu is an online car financing platform based in South Jakarta, Indonesia, founded in 2015. The company aims to streamline the car buying and selling process by providing an end-to-end solution for consumers. Its platform curates the best deals available, assists customers in selecting suitable cars, and offers information on down payments and installment plans from various showrooms. Additionally, MobilKamu facilitates the credit process, ensuring that customers can effectively navigate their options when purchasing a new car. Through the integration of technology and dedicated customer service, MobilKamu enhances the overall car buying experience for consumers in Jakarta.

AlgoMerchant is a developer of an algorithmic trading platform that offers AI-driven services tailored for stock traders and portfolio managers. The company utilizes a proprietary machine learning framework and advanced big data processing capabilities to generate returns by identifying and exploiting market inefficiencies. By leveraging non-random statistical patterns, AlgoMerchant enables both retail investors and financial institutions to enhance their investment strategies and achieve alpha returns. The platform aims to simplify the trading process, allowing clients to effectively manage their investment accounts while navigating various market conditions. With its innovative approach, AlgoMerchant is committed to supporting investors in their trading journey.

BRD is a financial software company that specializes in developing blockchain applications, particularly a non-custodial Bitcoin wallet. Founded in 2015 by Aaron Voisine and Adam Traidman, and headquartered in Zurich, Switzerland, BRD provides a secure platform for users to buy, store, and manage cryptocurrencies. The application enables users to convert Bitcoin into other cryptocurrencies, including Bitcoin Cash and Ethereum, facilitating seamless transactions. Additionally, BRD offers various services such as crypto purchasing, commercial register information, credit ratings, trading, and merchant solutions, catering to a global customer base.

PT. Julo Teknologi Perdana operates a mobile application that offers affordable unsecured personal loans to smartphone users, primarily targeting the underbanked population in Indonesia. The platform connects borrowers with institutional lenders, facilitating a streamlined loan application process that allows users to submit personal documents digitally and receive funds within a day after successful verification. Utilizing machine learning, the company assesses borrowers' creditworthiness to determine interest rates and credit limits. JULO promotes responsible borrowing by rewarding positive behavior with cashback bonuses and offering lower interest rates for reliable customers. Founded in 2016 and based in South Jakarta, JULO aims to provide low-cost loan products while maintaining economic viability for its lending partners.

PeraPera is a Japanese company founded in 2017 that specializes in providing foreign media translation services into Japanese. The company operates a crowdfunding platform that enables users to collectively share the costs associated with translation projects. PeraPera is known for delivering popular blog posts from Silicon Valley in Japanese, making international content more accessible to a Japanese audience.

Jojonomic is a mobile personal financial application that aims to transform financial management for users. The company specializes in developing expense management software that provides a cloud-based interface for comprehensive business management. This software encompasses various functions, including human resources, finance, sales and marketing, and operations. By offering these tools, Jojonomic enables businesses to operate more efficiently and supports teams in achieving optimal results.

Kudo is an Indonesian technology company founded in 2014, based in Tangerang, that focuses on enhancing the e-commerce and payment markets in Indonesia. It develops a platform that integrates offline and online shopping experiences by installing kiosks in various locations such as malls, universities, and convenience stores. These kiosks enable customers to purchase game vouchers, discount vouchers, and cellphone balances without the need for credit cards. Kudo's team comprises skilled professionals with backgrounds in prominent global technology and management consulting firms, contributing to its innovative approach in the sector. In 2017, Kudo was acquired by GP Network Asia Pte. Ltd., further expanding its capabilities and reach in the market.

Cermati operates an online platform that enables Indonesians to research, compare, and select financial products. Founded in 2014 and based in West Jakarta, the company aims to make financial information more accessible and useful, empowering individuals to take control of their financial situations and save money. Cermati's platform offers trusted financial information and manages the entire customer onboarding process, including in-person meetings for document signing with partner banks. By leveraging technology, Cermati seeks to transform the financial landscape in Indonesia, helping users make informed decisions that align with their financial needs.

Seedly is a Singapore-based FinTech startup launched in 2016, focused on providing a personal finance assistant platform aimed at helping young working adults manage their finances effectively. By allowing users to sync up to five bank accounts, Seedly offers an intuitive budgeting app that automatically categorizes expenses and provides an overview of balances and monthly cash flow. With its user-friendly interface, Seedly enables its 40,000 users to make informed financial decisions and optimize their spending habits. Additionally, the platform encourages users to connect with peers to gather insights and advice before making significant financial choices, thereby fostering a collaborative approach to personal finance management.

AlgoMerchant is a developer of an algorithmic trading platform that offers AI-driven services tailored for stock traders and portfolio managers. The company utilizes a proprietary machine learning framework and advanced big data processing capabilities to generate returns by identifying and exploiting market inefficiencies. By leveraging non-random statistical patterns, AlgoMerchant enables both retail investors and financial institutions to enhance their investment strategies and achieve alpha returns. The platform aims to simplify the trading process, allowing clients to effectively manage their investment accounts while navigating various market conditions. With its innovative approach, AlgoMerchant is committed to supporting investors in their trading journey.

Kanmu, Inc., based in Tokyo, Japan, specializes in sales promotion services that utilize credit card-linked coupons. The company's platform analyzes users' purchasing histories to deliver tailored offers and discounts, enhancing the online shopping experience. By leveraging consumer data, Kanmu aims to engage a broader audience, including unbanked individuals, and facilitate access to various online promotions. The innovative approach of Kanmu CLO allows users to receive personalized coupons through their credit cards, thereby driving sales and customer engagement.

Jojonomic is a mobile personal financial application that aims to transform financial management for users. The company specializes in developing expense management software that provides a cloud-based interface for comprehensive business management. This software encompasses various functions, including human resources, finance, sales and marketing, and operations. By offering these tools, Jojonomic enables businesses to operate more efficiently and supports teams in achieving optimal results.

Xendit is a Southeast Asian fintech company that specializes in providing payment infrastructure primarily in Indonesia and the Philippines. Founded in 2014 by Moses Lo, Tessa Wijaya, Bo Chen, and Juan Gonzalez, Xendit offers a robust payment gateway platform that enables businesses to accept various forms of payments, including bank transfers, virtual accounts, and credit cards. The company simplifies payment processes through a suite of world-class APIs and an intuitive dashboard, allowing businesses to efficiently manage transactions, disburse payroll, and access loan services while also detecting fraud. By streamlining these financial operations, Xendit supports the growth of businesses in the region.

Cermati operates an online platform that enables Indonesians to research, compare, and select financial products. Founded in 2014 and based in West Jakarta, the company aims to make financial information more accessible and useful, empowering individuals to take control of their financial situations and save money. Cermati's platform offers trusted financial information and manages the entire customer onboarding process, including in-person meetings for document signing with partner banks. By leveraging technology, Cermati seeks to transform the financial landscape in Indonesia, helping users make informed decisions that align with their financial needs.

Omise Co., Ltd. is a Bangkok-based company founded in 2013 that develops and operates an online payment platform designed for seamless integration on both web and mobile. The platform facilitates money transfers to third-party bank accounts, enables refunds to customers, and allows users to store payment information for future transactions. Omise caters to businesses by offering a variety of payment processing solutions, addressing the challenges faced by online stores in Thailand, Japan, and Singapore, where the existing payment systems often require cumbersome documentation and high fees. The company aims to simplify the payment process, enabling instant acceptance of credit and debit card payments, as well as bill payments through online banking and ATMs. Omise also provides APIs for developers, ensuring easy integration and high security standards, as evidenced by its compliance with PCI-DSS 3.1. The company's mission is to enhance the online payment experience, bridging the gap between physical and digital transactions for both merchants and consumers.

Kudo is an Indonesian technology company founded in 2014, based in Tangerang, that focuses on enhancing the e-commerce and payment markets in Indonesia. It develops a platform that integrates offline and online shopping experiences by installing kiosks in various locations such as malls, universities, and convenience stores. These kiosks enable customers to purchase game vouchers, discount vouchers, and cellphone balances without the need for credit cards. Kudo's team comprises skilled professionals with backgrounds in prominent global technology and management consulting firms, contributing to its innovative approach in the sector. In 2017, Kudo was acquired by GP Network Asia Pte. Ltd., further expanding its capabilities and reach in the market.

MoolahSense Private Limited operates a peer-to-peer lending platform based in Singapore, established in 2013. The platform connects businesses, particularly small and medium-sized enterprises (SMEs), with investors who provide funding in exchange for interest. It aims to stimulate economic growth by offering digital lending services that cater to the financial needs of SMEs, such as capital expansion and equipment purchases. By fostering a trusted environment for crowd-lending, MoolahSense enhances the ability of lenders to engage confidently with borrowers, thereby promoting entrepreneurship and financial inclusivity.

SiamSquared Technologies (Thailand) Co., Ltd. is a financial technology company based in Bangkok, Thailand, established in 2009. The company specializes in developing mobile applications that cater to various sectors, including digital magazines, entertainment, music, finance, and branded applications. With a focus on securities markets across the Asia-Pacific region, SiamSquared Technologies aims to enhance user engagement and streamline financial services through innovative mobile solutions.

Mercari, Inc. is a leading marketplace application operating in Japan, the United States, and the United Kingdom. Founded in 2013 and based in Tokyo, the company facilitates the buying and selling of new and used items, including electronics, clothing, and books, through its user-friendly mobile platform. Mercari has gained significant traction, with over 100 million downloads and a strong presence as one of the largest peer-to-peer selling platforms globally. In Japan, it dominates the consumer-to-consumer (C2C) marketplace, holding over 70% of the market share and reporting more than 22 million monthly active users. In fiscal year 2022, the application recorded a gross merchandise value of over JPY 893 billion, with the domestic segment contributing over 95% of its total GMV. Furthermore, Mercari is involved in the development and management of internet services, enhancing its position as a comprehensive solution for consumers looking to engage in the second-hand goods market.

Opn, formerly known as SYNQA, is a company established in 2013 that focuses on online payment solutions, blockchain technology for fintech applications, and digital transformation services. With a strong presence in Asia, Opn aims to connect individuals, businesses, and society through innovative financial solutions that promote equitable access to the digital economy. The company's comprehensive payment management platform allows businesses to securely accept, process, and disburse payments, enhancing their ability to reach a broader customer base and drive revenue. Opn's offerings are supported by its sister company, Omise Payment Holdings, which provides a one-stop solution for online payment needs. Through its services, Opn serves thousands of merchants and businesses globally, contributing to a growing economic ecosystem.

Kudo is an Indonesian technology company founded in 2014, based in Tangerang, that focuses on enhancing the e-commerce and payment markets in Indonesia. It develops a platform that integrates offline and online shopping experiences by installing kiosks in various locations such as malls, universities, and convenience stores. These kiosks enable customers to purchase game vouchers, discount vouchers, and cellphone balances without the need for credit cards. Kudo's team comprises skilled professionals with backgrounds in prominent global technology and management consulting firms, contributing to its innovative approach in the sector. In 2017, Kudo was acquired by GP Network Asia Pte. Ltd., further expanding its capabilities and reach in the market.

MONEY DESIGN Co., Ltd. is a fintech company based in Tokyo, Japan, founded in 2013. The firm specializes in asset management and investment advisory services, providing automated investment management solutions to its clients. By leveraging technology, MONEY DESIGN aims to simplify the investment process and make financial advice more accessible to a broader audience.

Mercari, Inc. is a leading marketplace application operating in Japan, the United States, and the United Kingdom. Founded in 2013 and based in Tokyo, the company facilitates the buying and selling of new and used items, including electronics, clothing, and books, through its user-friendly mobile platform. Mercari has gained significant traction, with over 100 million downloads and a strong presence as one of the largest peer-to-peer selling platforms globally. In Japan, it dominates the consumer-to-consumer (C2C) marketplace, holding over 70% of the market share and reporting more than 22 million monthly active users. In fiscal year 2022, the application recorded a gross merchandise value of over JPY 893 billion, with the domestic segment contributing over 95% of its total GMV. Furthermore, Mercari is involved in the development and management of internet services, enhancing its position as a comprehensive solution for consumers looking to engage in the second-hand goods market.

Kanmu, Inc., based in Tokyo, Japan, specializes in sales promotion services that utilize credit card-linked coupons. The company's platform analyzes users' purchasing histories to deliver tailored offers and discounts, enhancing the online shopping experience. By leveraging consumer data, Kanmu aims to engage a broader audience, including unbanked individuals, and facilitate access to various online promotions. The innovative approach of Kanmu CLO allows users to receive personalized coupons through their credit cards, thereby driving sales and customer engagement.

BASE, Inc., established in 2012 and headquartered in Tokyo, Japan, specializes in the development and operation of Web services. The company offers a range of services, including an online shop opening service and a smartphone shopping app under the BASE brand. Additionally, it provides financial services such as YELL BANK, which facilitates fundraising for shop owners using the BASE platform. BASE also offers PAY.JP, an online service for implementing credit card payments, and PAY ID, an ID-type payment service for consumers. The company's services are primarily focused on the Japanese market.

Online escrow service which become third party between buyer and seller in online transaction. After buyer and seller had a deal, then buyer create transaction in Inapay website to seller. After buyer get approval from Inapay admin, buyer make a payment to Inapay. And Inapay will notify seller after received payment from buyer. Then Seller ship the goods to buyer via reputable courrier service, Inapay will release the payment after buyer confirm on receiving the goods as per advertise/description