INVESTMENT PLATFORM
Portfolio
Investment Track Record |
Fintech Nation
Fintech Nation has backed 40+ fintech founders across ASEAN since 2015 — with 8 exits including the Payoneer acquisition of Skuad and the Nvidia acquisition of Groq.
FUND TYPE
Private Credit
Secured, embedded
PRIMARY MARKETS
ID · TH · SG
ASEAN focus
SDG ALIGNMENT
Goals 8 & 10
Inclusive growth
INVESTMENT THESIS
Why Embedded Finance in ASEAN
01
STRUCTURAL OPPORTUNITY
SME Financing Gap
97–99% of businesses in Indonesia and Thailand are SMEs. Bank loan rejection rates exceed 40%, creating a persistent structural gap that embedded finance is uniquely positioned to solve.
02
UNDERWRITING EDGE
Transactional Data, Not Collateral
We underwrite based on real-time cash flow and transaction data from SME digital platforms — not traditional collateral. This unlocks creditworthy borrowers invisible to conventional lenders.
03
RISK MANAGEMENT
Risk-Sharing with Ecosystem Partners
Partnering with Validus Group — which has disbursed over $5B to ASEAN SMEs — to share origination, underwriting and credit risk across a proven infrastructure.
04
IMPACT ALIGNMENT
SDG Goals 8 & 10
Every loan enables a small business to grow, employ and contribute to a more inclusive digital economy. Impact is measurable, reported and auditable — not a footnote.
ECOSYSTEM PARTNER
Validus Group
ASEAN's leading SME digital lending platform. Validus has disbursed over $5 billion to SMEs across Singapore, Indonesia, Thailand and Vietnam since 2015.
FUND SNAPSHOT
TARGET MARKETS
Where We Deploy
Primary Market
Indonesia
275M people, 64M SMEs, and a $113B digital economy by 2025. Bank penetration below 50%. Embedded finance is the only scalable solution at this speed and scale.
Primary Market
Philippines
3.1M SMEs generating 35% of GDP, with persistent access-to-finance gaps despite a sophisticated banking sector. Digital transformation opening new embedded corridors.
Base Market
Singapore
The regulatory sandbox, capital market and talent hub of ASEAN fintech. Fintech Nation's home base — where fund structures are tested, regulated and scaled to the region.
HOW WE WORK
Investment Process
STEP 01
Origination
Deals sourced through our ecosystem network, Fintech65 alumni, community and Validus pipeline.
STEP 02
Underwriting
Transactional data analysis. Cash flow assessment. SME creditworthiness evaluated without collateral.
STEP 03
Structuring
Risk-sharing agreement with ecosystem partner. Embedded finance structure negotiated and deployed.
STEP 04
Monitoring
Real-time portfolio monitoring, impact reporting and SDG alignment measurement through the full cycle.
Ready to Invest in ASEAN's Fintech Future?
We work with HNWIs, family offices and institutional investors who share our belief in ASEAN' long-term growth story.