Source: https://fintech.ph/category/financial-inclusion Category · 129 companies # Financial Inclusion Services aimed at bringing unbanked populations into the financial system Search within Financial Inclusion Related: [Payments](https://fintech.ph/category/payments) [Lending](https://fintech.ph/category/lending) [Fintech Infrastructure](https://fintech.ph/category/fintech-infrastructure) [Digital Wallet](https://fintech.ph/category/digital-wallet) [All categories](https://fintech.ph/directory) Well-known in Financial Inclusion [C Cebuana Lhuillier](https://fintech.ph/listing/cebuana-lhuillier) [G GrabPay Philippines](https://fintech.ph/listing/grabpay-ph) [L Land Bank of the Philippines](https://fintech.ph/listing/landbank) [R RCBC](https://fintech.ph/listing/rcbc) Alphabetical. Placement is never paid. Showing 129 companies - [RCBC](https://fintech.ph/listing/rcbc): We Believe in You · Rizal Commercial Banking Corporation (RCBC) is one of the largest universal banks in the Philippines, founded in 1960 by Alfonso Yuchengco and headquartered at RCBC Plaza in Makati. Listed on the PSE (ticker: RCB) and part of the Yuchengco Group, it offers retail and corporate banking, lending, credit cards (RCBC Bankard), remittances, and digital services. It operates the financial-inclusion super app DiskarTech. Japan's SMBC is a major strategic shareholder (about 24.5% as of December 2025). · Digital Banking · Business Banking · Lending · Founded 1960 · Makati City, Philippines · Public - [Land Bank of the Philippines](https://fintech.ph/listing/landbank): Serving the Nation · Land Bank of the Philippines (LANDBANK) is a 100% government-owned universal bank created in 1963 under RA 3844 to finance agrarian reform and rural development. It is the country's largest government bank and among the largest banks overall by assets (about ₱3.5 trillion in 2025), serving farmers, fisherfolk, agrarian-reform beneficiaries, MSMEs, LGUs and government agencies. It combines a developmental mandate in agriculture with full commercial and digital banking, prioritizing lending to the agriculture, fisheries and rural development sectors. · Lending · Digital Banking · Business Banking · Founded 1963 · Manila, Philippines · Government - [GrabPay Philippines](https://fintech.ph/listing/grabpay-ph): Make every payment rewarding · GrabPay is the financial-services brand built into the Grab super-app in the Philippines. The GrabPay wallet, operated by BSP-regulated GPay Network PH Inc., lets users pay for Grab rides, food and delivery, scan merchant QR codes, check out online, pay bills, buy load, transfer funds and earn GrabRewards, plus PayLater BNPL. Through SEC-licensed Grab Financial Services Philippines, Inc., Grab also offers GrabFinance Quick Cash working-capital loans for merchant-partners and Grab Cash Loan for consumers and drivers. A wholly owned part of NASDAQ-listed Grab Holdings (NASDAQ: GRAB). · Digital Wallet · Payments · Buy Now Pay Later · Founded 2018 · Metro Manila, Philippines · Public - [Cebuana Lhuillier](https://fintech.ph/listing/cebuana-lhuillier): Philippine pawnshop, remittance and microfinancial services · Cebuana Lhuillier is one of the Philippines' largest microfinancial services providers, operated by PJ Lhuillier, Inc. Under the trade name adopted in 1987 (with roots in the Lhuillier family's Agencia Cebuana pawnshops), it offers pawnbroking, domestic and international money remittance (Pera Padala), microinsurance, micro-loans, micro-savings, bills payment, money changing and e-loading. It serves over 30 million clients through a nationwide network of 2,500+ branches and is part of the PJ Lhuillier Group of Companies. · Remittances · Lending · Financial Inclusion · Founded 1987 · Makati City, Philippines · Private - [Billease](https://fintech.ph/listing/billease): Blissful Shopping. Easy Billing. · BillEase is a Philippine buy-now-pay-later (BNPL) and consumer-credit app operated by First Digital Finance Corporation. Founded in 2017 by former McKinsey colleagues, it lets shoppers pay in installments at thousands of online and in-store merchants and also offers personal cash loans, e-wallet top-ups, mobile load, bills payment and gaming credits. Using proprietary credit scoring and alternative data, it serves underbanked Filipinos with instant approvals. It is registered with the SEC as a financing company and with the BSP as an operator of a payment system. · Buy Now Pay Later · Lending · Financial Inclusion · Founded 2017 · Ermita, Manila, Philippines · Series C · ₱616M raised - [UBX](https://fintech.ph/listing/ubx): Open finance & embedded-finance platform · UBX is the fintech venture studio and open-finance platform spun out of UnionBank of the Philippines (Aboitiz Group), operating since 2018. It builds embedded-finance infrastructure that lets enterprises, MSMEs, and financial institutions offer digital payments, lending, and banking-as-a-service. Its core products are Bux (an end-to-end payment gateway for merchants), SeekCap (a same-day-approval MSME lending marketplace), and i2i (an open-finance/BaaS network connecting rural banks and banking agents). UBX is a BSP-registered Operator of Payment System and has served over 250,000 businesses; Japan's SBI Holdings holds a ~16.67% stake. · Fintech Infrastructure · Payments · Financial Inclusion · Founded 2018 · Pasig City, Philippines · Growth - [Bukas](https://fintech.ph/listing/bukas): Making education affordable for Filipino youths · Bukas is a Philippine education-financing platform, operated by Bukas Finance Corp. (an SEC-registered financing company) under regional parent ErudiFi. It partners with colleges and universities to let students and families pay tuition in affordable monthly installments instead of large upfront lump sums. Plans can cover up to 100% of tuition, payable over 3, 6, 9, or 12 months, with funds disbursed directly to the partner school. Applications are fully online. ErudiFi also operates Danacita in Indonesia. · Lending · Financial Inclusion · Buy Now Pay Later · Founded 2019 · Makati City, Philippines · Series A · ₱280M raised - [Tala Philippines](https://fintech.ph/listing/tala-philippines): Instant loans for the underbanked, powered by your phone · Tala is a digital lending app operated in the Philippines by Tala Financing Philippines, Inc., a US-founded (Santa Monica) global fintech serving the underbanked. Through its mobile app, Tala provides instant, collateral-free personal loans of up to ₱25,000, underwriting customers with little or no formal credit history using alternative data from their smartphones. Since entering the Philippines in 2017, Tala has disbursed billions of pesos to millions of Filipino borrowers and surpassed 4 million customers in the country. · Lending · Financial Inclusion · Credit Scoring · Founded 2017 · Metro Manila, Philippines · Growth · ₱14.3B raised - [Cashalo](https://fintech.ph/listing/cashalo): Fast, affordable, and legit digital credit for Filipinos · Cashalo is a Philippine fintech lending platform operated by Paloo Financing, Inc. that offers fast, collateral-free digital credit to unbanked and underserved Filipinos. Launched in 2018 as a joint venture between Hong Kong-based Oriente and JG Summit's Express Holdings, it provides cash loans and buy-now-pay-later installment financing through its mobile app, using alternative data and AI-based credit scoring for approvals in as little as minutes. Cashalo was acquired by US fintech Empower Finance (rebranded "Tilt" in 2025) in April 2024 and continues to operate under the Cashalo brand. · Lending · Buy Now Pay Later · Financial Inclusion · Founded 2018 · Metro Manila, Philippines · Private · ₱4.2B raised - [SAVii](https://fintech.ph/listing/savii): Financial well-being linked to your salary · SAVii (formerly Uploan) is a Philippine fintech offering salary-linked financial wellness to employees through their employers. It partners with companies to provide salary loans, salary advances, free insurance, and savings at no cost to the employer, with repayments collected via payroll deduction. It built its own credit-scoring model using employment and HR data to serve workers underserved by banks. Founded in 2017, it became the country's market-leading salary lender and was acquired in 2024 by JG Summit and Tyme Group, the shareholders behind GoTyme Bank. · Lending · Financial Inclusion · Credit Scoring · Founded 2017 · Makati City, Philippines · Series A · ₱520M raised - [Smile API](https://fintech.ph/listing/smile-api): Asia's trusted source for employment & income data · Smile API (Smile Technology Pte Ltd) is a Singapore-headquartered data-infrastructure company providing consumer-permissioned employment and income verification across Asia, with a major Philippines presence. Through a single API, businesses get real-time, user-authorized access to verified employment and income data from government systems, HR/payroll providers, and gig platforms. Lenders, BNPL providers, banks, and recruiters use it to strengthen credit decisioning and expand financial inclusion. · Fintech Infrastructure · Credit Scoring · Financial Inclusion · Founded 2021 · Singapore (with Philippine operations) · Seed - [DiskarTech](https://fintech.ph/listing/diskartech): The Philippines' first Taglish inclusive digital banking super app · DiskarTech is RCBC's financial-inclusion super app and the Philippines' first all-in-one Taglish (Tagalog-English, with Cebuano) digital banking platform, launched July 1, 2020 to bring sachet banking to unbanked and underbanked Filipinos. It offers basic deposit and regular savings accounts (no maintaining balance), the Pasado Loan of up to PHP 500,000, fund transfers, bills payment, e-load, QR payments, cash-in/out via 100,000+ agents, plus affordable insurance and telemedicine. Deposits are supervised by the BSP and insured by PDIC. The app surpassed 3 million downloads within three months of launch. · Digital Banking · Financial Inclusion · Savings · Founded 2020 · Makati City, Philippines · Public - [ENCASH](https://fintech.ph/listing/encash): The Philippines' first independent ATM deployer · Electronic Network Cash Tellers, Inc. (ENCASH) is the Philippines' first independent ATM deployer (IAD), founded in 2006 by Eric Severino. It installs privately owned, white-label ATMs in rural and underserved areas overlooked by commercial banks, partnering with rural banks, cooperatives, MFIs and merchants. ENCASH has rolled out 1,500+ terminals across 700+ partner sites in over 440 towns, and operates its own MegaLink-connected transaction switch plus a hand-held ATM/POS (KitaKit). It is a BSP-registered Operator of Payment System. Around 2012 it raised about PHP 109M (US$2.57M) from Rural Impulse Fund II and responsAbility. · Financial Inclusion · Payments · Fintech Infrastructure · Founded 2006 · Makati City, Philippines · Series A · ₱109M raised - [Kwik.insure](https://fintech.ph/listing/kwik-insure): Digital insurance and HMO coverage for Filipinos and small businesses · Kwik.insure (Kwiktech Insurance Brokerage, Inc.) is a Philippine insurtech founded in 2020 by Hamilton Angluben. It launched an online insurance marketplace in March 2021 offering 100+ life and non-life products from local insurers, then narrowed its focus to affordable HMO and health coverage under its KwikCare brand. KwikCare plans, underwritten by PhilhealthCare, Inc., start at PHP 995/month for inpatient, outpatient and emergency cover, targeting MSMEs, freelancers and the underserved. Kwik.insure is a licensed insurance broker regulated by the Insurance Commission and is backed by Village Capital and RISE. · Insurance · Financial Inclusion · Founded 2020 · Taguig, Metro Manila · Seed - [RuralNet](https://fintech.ph/listing/ruralnet): Making insurance accessible to all Filipinos · RuralNet, Inc. is a Cebu-based insurtech operating the Philippines' first fully digital, API-driven platform for insurance distribution and claims management. It partners with provincial financial institutions (rural banks, cooperatives and microfinance lenders) to deliver affordable health, accident, life and micro-insurance to underserved Filipinos and SMEs, and runs an SME insurance portal through its wholly-owned, Insurance Commission-licensed brokerage subsidiary, CashKO. RuralNet works with about 25 partner institutions serving roughly 2 million Filipinos. It raised a US$2.15M seed round led by Kickstart Ventures in October 2023. · Insurance · Financial Inclusion · Fintech Infrastructure · Founded 2019 · Cebu City, Philippines · Seed · ₱122M raised - [Sprout Solutions](https://fintech.ph/listing/sprout-solutions): People-first AI platform for HR, payroll and embedded employee finance · Sprout Solutions is the Philippines' largest homegrown B2B HR and payroll SaaS company, founded in 2015 by Patrick and Alex Gentry. Serving 1,000+ corporate clients and 180,000+ employees, it runs HRIS, payroll, compliance and analytics. In September 2024 it launched Sprout Finances, an embedded-finance suite: ReadyWage (earned-wage access / salary-on-demand) and ReadyCash (salary advances of PHP 3,000-50,000, powered by partner bank Netbank), with ReadySaver savings in development. Sprout has raised about US$18.3M across seed, Series A (Point72 Ventures) and a 2023 US$10.7M Series B led by Cercano Management. · Fintech Infrastructure · Lending · Financial Inclusion · Founded 2015 · Mandaluyong, Metro Manila · Series B · ₱1.0B raised - [MariBank Philippines](https://fintech.ph/listing/maribank-ph): MariBank Philippines is the country's seventh BSP-licensed digital bank, owned by Singapore's Sea Limited, parent of Shopee. Built on the former Rural Bank of Pagsanjan (est. 1965) charter acquired by Sea, it launched as SeaBank in June 2022 and rebranded to MariBank in 2025. The BSP granted its digital banking certificate of authority on 8 July 2026, and it began operating under the upgraded licence on 18 July 2026. It offers a no-maintaining-balance savings account with daily-credited interest, free InstaPay/PESONet transfers, a debit card and loans, and reported ~US$1.16B in assets and 6M customers at end-2025. · Digital Banking · Savings · Financial Inclusion · Founded 1965 · Pagsanjan, Laguna, Philippines · Public - [POSIBLE](https://fintech.ph/listing/posible): Remit. Bayad. Bili. · POSIBLE is a Filipino fintech platform operated by Action.Able, Inc. that turns sari-sari stores, loading stalls and small retailers into community touchpoints for digital financial services. Through a tablet device and app, accredited agents offer bills payment, e-money cash-in and cash-out (GCash, Maya, Coins.ph and others), prepaid load and RFID reloading, e-PINs, insurance and money remittance. Founded in 2016 and a BSP-registered Operator of Payment Systems, POSIBLE runs a B2B2C agent network focused on financial inclusion for underserved communities across the Philippines. · Payments · Financial Inclusion · Remittances · Founded 2016 · Makati City, Metro Manila · Private - [PHILTECH](https://fintech.ph/listing/philtech): We Provide Business · PHILTECH (Phil. Technology for Entrepreneurs and Consumers Hub, Inc.) is a Zamboanga City-based financial-inclusion fintech that turns micro-retailers, sari-sari stores, and OFW-backed entrepreneurs into community banking and payment agents. Through its Negosyo Package model and the PHILTECH ATM Go Merchant solution — built on RCBC's ATM Go mobile terminals — partners can offer ATM cash withdrawals, fund transfers, cash-in/cash-out, bills payment, e-loading, and remittance in underserved areas. A BSP-registered Operator of Payment System, it brings everyday digital financial services where bank branches don't reach. · Financial Inclusion · Payments · Remittances · Founded 2016 · Zamboanga City, Philippines · Private - [Ventaja](https://fintech.ph/listing/ventaja): Simplifying Payments. Driving Growth. · Ventaja International Corp. is a Filipino fintech founded in 2004 that simplifies payments for overseas Filipino workers and their families. It is one of the Philippine government's largest overseas collection partners for SSS, Pag-IBIG and PhilHealth contributions, and was the first to collect SSS payments electronically from OFWs. Its platform powers 1,000+ counters and kiosks across 69 countries for partners including Metrobank, BDO, RCBC and Landbank. Through its PayRemit brand it offers remittance, e-loading and bills payment for 350+ billers. It is a BSP-registered Operator of Payment System. · Remittances · Payments · Financial Inclusion · Founded 2004 · Ortigas Center, Pasig City · Private - [Esquire Financing](https://fintech.ph/listing/esquire-financing): Powered by Passion · Esquire Financing, Inc. (EFI) is one of the Philippines' largest non-bank SME lenders, providing fast, non-collateral business loans to small and medium enterprises. Founded in 2011 by chairman and CEO Rajan Uttamchandani, the Taguig-based financing company offers loans of ₱100,000 to ₱10 million with minimal requirements and credit decisions in as little as 1–3 days, applied for online or through its mobile app and nationwide offices. EFI has disbursed over US$400 million to tens of thousands of entrepreneurs and is backed by private-equity firm Crescent Point Capital. · SME Financing · Lending · Financial Inclusion · Founded 2011 · ARCA South, Taguig · Private - [Toktokwallet](https://fintech.ph/listing/toktokwallet): Toktokwallet Inc. is the BSP-licensed e-wallet and fintech arm of TokTok, a homegrown Filipino super-app. It lets users cash in, transfer funds, send money to other toktokwallet accounts, pay bills, buy mobile load (toktokload) and scan-to-pay via QR, and serves as the in-app payment rail for TokTok's delivery, food and marketplace services. A registered Electronic Money Issuer and Operator of Payment System, it extends digital payments across the TokTok ecosystem, which has surpassed two million app downloads. · Digital Wallet · Payments · Financial Inclusion · Founded 2020 · Makati City, Metro Manila · Private - [Packworks](https://fintech.ph/listing/packworks): Empowering micro-entrepreneurs through connected commerce · Packworks is a Filipino B2B platform that digitalizes the country's neighborhood sari-sari stores, serving a network of over 300,000 micro-retailers. Through its app ecosystem (Sari.PH and Sari.PH Pro), store owners get inventory management, bookkeeping, sales tracking, and direct ordering from suppliers. Its Sari IQ engine turns store transaction data into business insights. Packworks brings embedded working capital to the underbanked retail sector, partnering with licensed lenders — including 1Sari Financing Corporation and Cebuana Lhuillier — to offer in-app inventory-financing credit lines that help stores restock and grow. · Fintech Infrastructure · Financial Inclusion · SME Financing · Founded 2018 · Makati, Metro Manila · Seed · US$2M raised - [MarCoPay](https://fintech.ph/listing/marcopay): MarCoPay (Maritime Community Pay) is a BSP-licensed e-money platform built for Filipino seafarers and their families. Its dual-currency e-wallet lets crew receive digital salaries onboard, convert currencies, send remittances, make zero-fee peer-to-peer transfers, and access loans, insurance, investments and an in-app e-market. Founded in 2019 by Japanese shipping line NYK and the Transnational Diversified Group (TDG), it later drew investments from Marubeni Corporation and MUFG Bank. · Digital Wallet · Remittances · Financial Inclusion · Founded 2019 · Bonifacio Global City, Taguig · Private - [Kredivo Philippines](https://fintech.ph/listing/kredivo-philippines): Kredivo is a Buy Now, Pay Later and digital credit platform that lets Filipinos shop online and in-store and split purchases into flexible payments. Through the Kredivo app, approved users get a reusable credit limit (up to ₱50,000) accepted at 600,000+ merchants and QRPh checkout points, with 0% interest on 30-day payments and installment plans of 3 to 24 months. Operated by SEC-registered Kredivo Philippines Financing Corp., it is part of the Kredivo Group (formerly FinAccel), one of Southeast Asia's largest BNPL and consumer-credit providers, also operating in Indonesia and Vietnam. · Buy Now Pay Later · Lending · Payments · Founded 2019 · Metro Manila, Philippines · Growth · US$270M raised - [MabilisCash](https://fintech.ph/listing/mabilis-cash): MabilisCash is a Philippine online lending app operated by Mabilis Cash Financing Corp. (formerly Mali Lending Corp.), an SEC-registered, licensed financing company. Through its mobile app it offers fast, fully digital personal cash loans of up to ₱90,000 with quick approval, instant disbursement, and flexible installment repayment — no collateral or branch visits required. Built for accessible, paperless borrowing, it has surpassed 5 million app installs and is part of Fintopia, a global AI-driven fintech group. · Lending · Financial Inclusion · Founded 2019 · Bonifacio Global City, Taguig · Private - [Moneygment](https://fintech.ph/listing/moneygment): Your finances in an app. Your future in a tap. · Moneygment is an all-in-one financial app by Togetech, Inc. that lets Filipinos send money, pay bills, and compute, file, and pay their government contributions (SSS, PhilHealth, Pag-IBIG) and taxes from their phone. Built for freelancers, the self-employed, OFWs, small-business owners, and the unbanked, it also offers loan payments, real-property-tax processing, and insurance and investment options. Togetech is a BSP-registered Electronic Money Issuer and Operator of Payment Systems, and a subsidiary of IT firm Nessotech, Inc. · Digital Wallet · Payments · Financial Inclusion · Founded 2017 · Makati City, Philippines · Private - [LenderLink](https://fintech.ph/listing/lenderlink): Real-Time Credit Data for Lending Without Guessing · LenderLink operates the Philippines' first high-tech, real-time credit data exchange — a secure, consent-driven API network that lets lenders share and access verified borrower credit information instantly. Built by the founding team behind FinScore, it connects digital lenders, BNPL providers, installment-loan firms, and digital banks, combining traditional credit history with alternative data signals. As a CIC-Certified Technical Service Provider, it also helps lending institutions meet their Credit Information Corporation data-submission requirements. Its network spans 36M+ borrower records and a growing roster of member lenders. · Credit Scoring · Fintech Infrastructure · Financial Inclusion · Founded 2024 · Bonifacio Global City, Taguig · Pre-seed · US$1M raised - [Bayad](https://fintech.ph/listing/bayad): The Philippines' largest outsourced bills payment network · Bayad, formerly Bayad Center, is the Philippines' pioneer and leader in outsourced payment collection, operated by CIS Bayad Center, Inc., a wholly-owned subsidiary of Meralco. It aggregates 500+ billers accessible through 100,000+ physical and digital touchpoints nationwide. Following its 2021 rebrand from Bayad Center to Bayad, it expanded from over-the-counter bills payment into a full-service fintech, launching the Bayad app and Bayad Online with remittance, e-load, e-wallet (Pera Manager) and real-time Meralco posting. It is BSP-registered as an Operator of Payment System and a Remittance and Transfer Company. · Payments · Financial Inclusion · Digital Wallet · Founded 2006 · Pasig City, Metro Manila · Private - [Kviku](https://fintech.ph/listing/kviku): Kviku is an online consumer-lending platform operated by Kviku Lending Co. Inc., an SEC-registered lending company in the Philippines. Through its app and website, Filipinos can apply for unsecured cash loans entirely online using a valid government ID, with automated approval and funds typically released within an hour. Loan amounts run from roughly PHP 1,500 to PHP 25,000 over short terms, with transparent pricing and no collateral required. Kviku is part of an international fintech group offering instant-credit services across Europe and Asia. · Lending · Financial Inclusion · Founded 2020 · Makati City, Philippines · Private - [JuanScore](https://fintech.ph/listing/juanscore): Trustworthy Credit Scoring, Smarter Decisions · JuanScore is a Philippine credit-scoring and risk-analytics company, the local subsidiary of NYSE-listed FinVolution Group. Accredited by the Credit Information Corporation (CIC) as a Special Accessing Entity, it delivers AI-powered credit reports and scores, alternative and bureau-based credit scoring, KYC and ID verification (OCR, face comparison), and fraud-risk tools to lenders and financial institutions. Drawing on FinVolution's decade-plus of Asian credit-scoring experience, JuanScore deploys deep-learning models to widen credit access and advance financial inclusion for underserved Filipinos. · Credit Scoring · Lending · Fintech Infrastructure · Founded 2024 · Ortigas Center, Pasig City · Private - [Paywatch](https://fintech.ph/listing/paywatch): Redefining Payday · Paywatch is an Earned Wage Access (EWA) platform that lets employees withdraw a portion of wages they have already earned before payday, repaid via payroll deduction at no debt to the worker. Founded in South Korea in 2020 and headquartered in Kuala Lumpur, it operates across Malaysia, the Philippines, Indonesia, South Korea, Singapore, and Hong Kong. It entered the Philippines in November 2023 through local entity Paywatch Philippines Finance Corporation, a BSP-registered Operator of Payment Systems, serving employers such as Shangri-La, TELUS Digital Philippines, and Sagility. · Lending · Financial Inclusion · Payments · Founded 2020 · Kuala Lumpur, Malaysia · Series A · US$25M raised - [Mayani](https://fintech.ph/listing/mayani): Transforming the Lives of Filipino Farmers and Fisherfolks through Technology · Mayani is a Philippine full-stack agri-fisheries technology platform connecting a grassroots network of 144,000+ smallholder farmers and fisherfolk to markets, inputs, and finance. Founded in 2019, it runs three value-creation lines: Mayani Farm Direct (market linkage), Mayani Agri-Inputs (seeds, feeds, and supplies), and Mayani Fin-Assist (production financing). Through Fin-Assist, Mayani uses its supply-chain and purchase-order data to underwrite and facilitate affordable production credit for organized farmers, working with licensed lending partners including Fuse Lending (Mynt/GCash) to bridge the country's agri-credit gap. · Financial Inclusion · SME Financing · Fintech Infrastructure · Founded 2019 · Metro Manila, Philippines · Seed · US$2M raised - [CIBI Information, Inc.](https://fintech.ph/listing/cibi): Your partner for financial inclusion · CIBI Information, Inc. is the Philippines' first and longest-standing homegrown credit bureau, established in 1982. Accredited by the Credit Information Corporation as the country's first Advanced-Tier Special Accessing Entity, CIBI is the only local credit bureau that issues a consumer credit report with a credit score. It delivers digital credit reports and scores, AI-driven credit risk analytics, identity verification and eKYC, and a fraud-intelligence data-sharing network, all accessible via API. It serves 500+ organizations across banking, lending and enterprise, and powers in-app credit scores for platforms such as Lista. · Credit Scoring · Fintech Infrastructure · Financial Inclusion · Founded 1982 · Makati, Metro Manila · Private - [ExpressPay](https://fintech.ph/listing/expresspay): Neighborhood payments through a nationwide franchise network · ExpressPay, Inc. is a Philippine multi-service payments company operating an over-the-counter agent and franchise network nationwide. Launched in 2011, it began with a 3-in-1 service (bills payment, local remittance, prepaid e-loading) and expanded into a multi-in-one payment outlet model covering bills payment, money remittance, e-loading, travel and tours, and ticketing. It is a BSP-registered Operator of Payment System and part of the Sagesoft Solutions, Inc. group, with over 1,000 franchised outlets nationwide. · Payments · Remittances · Financial Inclusion · Founded 2011 · San Juan, Metro Manila · Private - [Skyro](https://fintech.ph/listing/skyro): Shop with Skyro, Split your Payments · Skyro is a Philippine consumer-financing fintech offering point-of-sale installment (buy-now-pay-later) plans, product loans up to ₱100,000, cash loans up to ₱250,000 and credit lines, targeting underbanked Filipinos. Founded in 2022 and headquartered in BGC, Taguig, it operates through SEC-licensed entities Advanced Finance Solutions, Inc. and Skyro Lending, Inc., and is part of a Singapore-headquartered fintech group with leadership drawn from international fintech operators. Skyro disbursed ₱15.8 billion in loans in 2025 across a network of nearly 9,000 partner stores. · Buy Now Pay Later · Lending · Financial Inclusion · Founded 2022 · Bonifacio Global City, Taguig · Private - [PDAX Securities (Bonds.ph)](https://fintech.ph/listing/bonds-ph): Investing in bonds made simple · PDAX Securities Inc. (formerly Bonds.ph Inc.) provides digital access to Philippine government securities through partners including PDAX and GCash GBonds. Its Bonds.ph app launched in July 2020 with the Bureau of the Treasury, UnionBank and PDAX for the RTB-24 Progreso issue. The company’s current website focuses on tokenized government bonds and identifies it as an SEC-registered broker-dealer, PDEx member and Bureau of the Treasury-acknowledged Government Securities Eligible Dealer. · Investments · Wealth Management · Financial Inclusion · Founded 2020 · Pasig City · Private - [USSC](https://fintech.ph/listing/ussc): USSC (Universal Storefront Services Corporation), also known as "U," is a homegrown Philippine financial-services retailer offering domestic and international remittance, bills payment, currency exchange, cash-in/cash-out, prepaid cards and e-wallet services. Tracing its roots to 1958 and relaunched under the USSC brand in 2005, it serves customers through 700+ branches and 1,000+ partner locations nationwide plus the U mobile app. Its subsidiary, USSC Money Services, Inc., is a BSP-licensed Electronic Money Issuer, extending digital wallet and payment services to millions of Filipinos, including the unbanked. · Remittances · Payments · Digital Wallet · Founded 2005 · Cubao, Quezon City, Metro Manila · Private - [InvestEd](https://fintech.ph/listing/invested-ph): InvestEd is a digital-first education lender helping under-resourced Filipino students finish their studies. Founded in 2016 by Carmina Bayombong, it offers collateral-free Success Loans for tuition, gadgets, allowance, thesis, board-exam review and rent, using a proprietary pro-student AI credit-scoring model built for Gen-Z borrowers with no formal credit history. Loans are disbursed directly to 700+ partner schools and vendors, and borrowers are supported through a high-touch success program. An SEC-registered lending company, InvestEd is a pioneer in financial inclusion for unbanked Filipino youth. · Lending · Financial Inclusion · Credit Scoring · Founded 2016 · Metro Manila, Philippines · Seed - [Novus Transact Philippines](https://fintech.ph/listing/novus-transact): Banking and payments technology for Philippine institutions · Novus Transact Philippines Corporation is the Philippine arm of Singapore-based Novus Technologies, a B2B digital-banking and payments infrastructure provider (part of the AGS Transact Technologies group). Through its NovaPay and Novus TRANSACT platforms it delivers ATM-as-a-Service, mobile and last-mile ATMs, transaction switching, digital wallets, merchant/POS, and core-banking software to banks and financial institutions. It powers RCBC's "ATM Go," the country's largest bank-agnostic mobile ATM network, which posted 50% revenue growth in 2024. A BSP-registered Operator of Payment Systems based in Makati. · Fintech Infrastructure · Payments · Financial Inclusion · Founded 2014 · Makati, Philippines · Private - [Finbro](https://fintech.ph/listing/finbro): Online na solusyon sa pinansyal · Finbro is a Philippine online consumer lending platform operated by Sofi Financing Inc. (formerly Sofi Lending Inc.). Through its website and mobile app it offers short-term personal cash loans of ₱1,000 to ₱50,000 with terms from 7 days to 12 months, with application, approval and disbursement done fully online — typically within minutes — to e-wallets or bank accounts, plus cash pickup via partners such as Cebuana Lhuillier, M Lhuillier and TrueMoney. It is SEC-registered and holds a Certificate of Authority to operate as a financing company. · Lending · Financial Inclusion · Founded 2019 · Bonifacio Global City, Taguig · Private - [JuanHand](https://fintech.ph/listing/juanhand): Fast online cash loans from FinVolution-backed WeFund Lending · JuanHand is a Philippine online consumer-lending app operated by WeFund Lending Corp., the local subsidiary of NYSE-listed FinVolution Group. Launched in 2019, it offers unsecured personal cash loans of PHP 2,000-50,000 with terms of roughly 1-6 months, approving and disbursing in as fast as five minutes. It is SEC-registered (CS201825672; Certificate of Authority No. 2844) and recorded on the SEC's list of online lending platforms. WeFund reports PHP 85B+ in cumulative loans to 20M+ users. · Lending · Financial Inclusion · Founded 2018 · Mandaluyong City, Philippines · Private - [Pay&Go](https://fintech.ph/listing/pay-and-go): Pay&Go is a nationwide network of self-service payment kiosks operated by BTI Payments (Philippines), Inc., a subsidiary of Australia's Banktech Group. Its cash-accepting machines let Filipinos cash in to GCash, Maya, and ShopeePay e-wallets, pay bills and government dues, buy mobile load, reload RFID and transport cards, and make bank deposits, all without a bank account. With over 1,700 kiosks and ATMs in convenience stores, malls, and partner retailers nationwide, Pay&Go advances financial inclusion by turning community stores into accessible financial-transaction hubs. · Payments · Financial Inclusion · Founded 2020 · Metro Manila, Philippines · Private - [Higala](https://fintech.ph/listing/higala): Building Financial Resiliency, Empowering Financial Inclusion · Higala is a Philippine payments-infrastructure startup building the country's first inclusive instant payment system, connecting rural banks, thrift banks, cooperatives and microfinance institutions to real-time payments. Built on open-source Mojaloop and ISO 20022, its SynerFi rail and API-first core banking platform let smaller financial institutions join InstaPay at a fraction of traditional switching costs. Co-launched with Chemonics International and partnered with RCBC, Higala has onboarded rural banks nationwide, bringing affordable digital finance to underserved Filipino communities. · Fintech Infrastructure · Payments · Financial Inclusion · Founded 2024 · Manila, Philippines · Seed · US$4M raised - [Akulaku Philippines](https://fintech.ph/listing/akulaku): Akulaku is a Southeast Asian digital-finance platform offering app-based consumer credit to Filipinos. In the Philippines it is operated by SEC-licensed Streetcorner Lending Corp. and provides Akulaku PayLater — a buy-now-pay-later line for online and in-store shopping — alongside the Akulaku Cash Loan app, which lets approved users borrow and receive funds in as fast as 24 hours, disbursed to bank accounts or e-wallets like GCash and Maya. Part of a regional group serving over 10 million users across Indonesia, the Philippines and Malaysia, backed by investors including Ant Group, Siam Commercial Bank and MUFG. · Lending · Buy Now Pay Later · Financial Inclusion · Founded 2016 · Pasig City, Metro Manila · Growth - [Salmon](https://fintech.ph/listing/salmon): Financing reimagined with smart loans, credit and savings · Salmon is a consumer-finance fintech founded in 2022 by Pavel Fedorov, George Chesakov and Raffy Montemayor, serving underbanked Filipinos. It offers a revolving credit line, installment product loans, motorcycle financing and bank time deposits through the Salmon app. The group operates BSP-licensed Salmon Bank (Rural Bank) Inc. and SEC-licensed Salmon Finance Inc. Its recorded financing history includes a US$30M Series A-2 in October 2024, US$88M in equity and bonds in June 2025, and US$100M in equity and bonds in April 2026. Recorded events total US$234M; this partial history excludes unused bond-program capacity. · Lending · Buy Now Pay Later · Digital Banking · Founded 2022 · Metro Manila, Philippines · Growth · ₱13.3B raised - [OwnBank](https://fintech.ph/listing/ownbank): OwnBank is the digital banking platform of OWN Bank, The Rural Bank of Cavite City, Inc., a BSP-licensed rural bank serving Filipinos for over 60 years. Through its mobile app, customers open a fully online account in minutes with just a smartphone and a valid ID — no minimum balance and no maintaining fees. OwnBank offers high-yield savings and time deposits, free InstaPay and PESONet transfers to any bank or e-wallet, bills payment and mobile load. Deposits are insured by the PDIC up to PHP 1 million per depositor. Backed by regional fintech group Akulaku, it pairs decades of community-banking trust with an app-first experience. · Digital Banking · Savings · Payments · Founded 1956 · Cavite City, Philippines · Private - [OmniPay](https://fintech.ph/listing/omnipay): OmniPay (Omni Pay, Incorporated, formerly PVB Card Corporation) is a BSP-licensed non-bank electronic money issuer and prepaid-card pioneer based in Makati. It was the first non-bank EMI supervised by the Bangko Sentral ng Pilipinas and the first non-bank participant in the BSP's PhilPaSSplus real-time gross settlement system. OmniPay is a principal issuer-acquirer for JCB and UnionPay, an e-commerce acquirer for Discover and Diners Club, the first EMI affiliate of the BancNet network, and a Eurogiro member. Its OmniPay Mobile App lets cardholders manage funds and cards, send money to other banks, and pay via QR Ph. · Payments · Digital Wallet · Remittances · Founded 2009 · Makati City, Metro Manila · Private - [Cash-Express Philippines](https://fintech.ph/listing/cash-express): Cash-Express is a digital consumer-lending platform offering fast, fully online cash loans to Filipinos, with applications, approval and disbursement handled in minutes via its mobile app or website. Part of Aventus Group — a digital-lending group operating across Europe and Asia since 2009 — Cash-Express (formerly Cashxpress South East Asia Lending) provides short-term loans of ₱500 to ₱40,000 with 7-to-14-day terms, including 0% interest on a new borrower's first 7 days. It operates as an SEC-registered financing company under the Truth in Lending Act, disbursing funds to the borrower's bank account or ATM card. · Lending · Financial Inclusion · Founded 2019 · Bonifacio Global City, Taguig · Private - [AllEasy](https://fintech.ph/listing/alleasy): A digital wallet for every juan! · AllEasy, Inc. operates the AllEasy Pay e-wallet, a BSP-licensed electronic money issuer (EMI-NBFI) and registered Operator of Payment Systems that is part of the Villar Group ecosystem. Launched in 2020, the app lets users send money, pay bills and QR merchants, buy mobile load, cash in and out, and load toll RFIDs, with Standard and Plus account tiers. Headquartered in Las Piñas City, AllEasy has been promoted across Villar-group businesses such as Bria Homes and Camella, and is on the BSP's EMI registry as of May 2026. · Digital Wallet · Payments · Financial Inclusion · Founded 2019 · Las Piñas City, Metro Manila · Private - [Overseas Filipino Bank](https://fintech.ph/listing/ofbank): The first digital-only bank in the Philippines, serving OFWs · Overseas Filipino Bank (OFBank) is the first all-digital, branchless bank in the Philippines and a wholly owned subsidiary of state-owned LANDBANK. Relaunched as a fully digital bank in June 2020, it secured the country's first digital banking license from the Bangko Sentral ng Pilipinas on 25 March 2021, converting from a thrift-bank to a digital-bank licence. OFBank serves Overseas Filipinos, OFWs and their beneficiaries worldwide, using its Digital Onboarding System with AI (DOBSAI) for real-time mobile account opening, plus savings deposits, fund transfers, bills payment, remittances and loans. · Digital Banking · Remittances · Financial Inclusion · Founded 1906 · Manila, Philippines · Government - [MegaPay](https://fintech.ph/listing/megapay): Bringing Peso Power to Every Juan · MegaPay is a Philippine digital payments app operated by Backend Solutions and Technologies, Inc. It turns a smartphone into a mobile loading and payments station — letting users buy prepaid load for all networks, pay bills (utilities, telco, broadband, cable, credit cards), transfer funds to other MegaPay users by mobile number or QR, shop cashless, and earn rewards through MegaRewards and MegaRefer. The company is registered with the Bangko Sentral ng Pilipinas as an Operator of Payment System and is headquartered in Makati City. · Payments · Digital Wallet · Financial Inclusion · Founded 2020 · Makati City, Metro Manila · Private - [Pouch.ph](https://fintech.ph/listing/pouch-ph): Pouch is the Philippines' first Bitcoin Lightning Network wallet, founded in 2022 by Ethan Rose. It lets merchants accept Bitcoin via QR with no FX-volatility exposure — Pouch converts BTC to pesos and settles to the merchant's bank or e-wallet — and powers low-cost cross-border remittances over Lightning, including PH-to-US "Send Globally" transfers and Batch Pay for payroll. It anchors the Boracay "Bitcoin Island" initiative (250+ merchants) and reported 400+ merchants nationwide by 2023. It is a BSP-registered Operator of Payment Systems. · Cryptocurrency · Payments · Digital Wallet · Founded 2022 · Cebu City · Seed - [Lazada Wallet](https://fintech.ph/listing/lazada-wallet): Lazada Wallet (also Lazada Payments) is the e-money wallet inside the Lazada shopping app in the Philippines. Operated by AIPH Merchant Services, Inc. (formerly Alipay Philippines, Inc.), a BSP-licensed Electronic Money Issuer, it lets shoppers store funds for cashless checkout, receive refunds and cashback, and apply vouchers on Lazada. Users can top up via cards, bank transfer or over-the-counter partners. AIPH Merchant Services is part of the Alibaba Group, which owns both Lazada and the Alipay payments business. · Digital Wallet · Payments · Financial Inclusion · Founded 2017 · Bonifacio Global City, Taguig · Private - [Taxumo](https://fintech.ph/listing/taxumo): File & Pay Your Taxes in Minutes! · Taxumo is a Philippine online tax platform that lets freelancers, self-employed professionals, sole proprietors and small businesses compute, file and pay their BIR taxes entirely online. Founded in 2016 and headquartered in Taguig, it is a BIR-accredited Tax Software Provider that automatically calculates tax dues, fills out the correct BIR forms, and electronically submits filings and payments through authorized agent banks and digital payment channels. It also offers business registration assistance and serves thousands of Filipino solopreneurs and SMEs. · Payments · Financial Inclusion · Fintech Infrastructure · Founded 2016 · Taguig City, Metro Manila · Seed - [Singlife Philippines](https://fintech.ph/listing/singlife-philippines): A better way to financial independence · Singlife Philippines is a mobile-first digital life insurer offering affordable, on-demand protection and investment products bought and managed via smartphone. Products span life, accident, health, investment-linked and funeral cover, distributed through the Singlife Plan & Protect app, GInsure on GCash, and the UNO Digital Bank app. It reported nearly one million policies in force by 2024 and grew its customer base 23% in 2025. A greenfield insurer launched in 2020 (no legacy-insurer lineage), it is a subsidiary of Singapore Life Holdings (Singlife), itself wholly owned by Japan's Sumitomo Life since 2024. · Insurance · Financial Inclusion · Founded 2020 · Taguig City · Private · ₱600M raised - [Starpay](https://fintech.ph/listing/starpay): Pitaka ng Bayan · Starpay Corporation is a Pasig City fintech operating the Starpay e-wallet ('Pitaka ng Bayan'), licensed by the BSP as an electronic money issuer and registered operator of payment systems. The app offers cash-in/out, InstaPay and QR Ph transfers, bills payment, e-load, and inbound remittances via UniTeller, alongside Starpay Business merchant services. Founded in 2012, it grew from ~600,000 to nearly 10 million users between 2020 and 2024, partly through its role as one of the financial service providers tapped by the DSWD to disburse Social Amelioration Program aid in 2020-21. · Digital Wallet · Payments · Financial Inclusion · Founded 2012 · Pasig City, Metro Manila · Private - [1Sari](https://fintech.ph/listing/1sari): Dagdag PUHUNAN, dagdag BENTA, dagdag KITA! · 1Sari is a Philippine financing company providing embedded inventory and working-capital loans to micro-retailers, primarily the country's sari-sari (neighborhood) stores. Through partnerships with the B2B platform Packworks, UNO Digital Bank and Cebuana Lhuillier, eligible stores can access a starter credit line of about ₱2,500 — delivered in-app — to restock inventory, with a prompt-payment rebate. Founded in 2022 and based in Quezon City, 1Sari targets the roughly 1.3 million largely unbanked sari-sari stores with inventory financing, working-capital and general-purpose microloans to support financial inclusion. · SME Financing · Lending · Financial Inclusion · Founded 2022 · Quezon City, Metro Manila · Private - [Lista](https://fintech.ph/listing/lista): Basta pera, Lista — money management made simple for every Filipino · Lista is one of the Philippines' fastest-growing personal and small-business finance apps, with over 3 million downloads. Founded in 2021 by Aaron Villegas and Khriztina Lim, it started as a digital listahan (ledger) for tracking income, expenses, debts (utang) and invoices for sari-sari stores and MSMEs. It has since expanded into broader money management (budgeting, savings goals, bill reminders), plus a marketplace to compare and apply for credit cards, loans and insurance, and in-app access to credit scores from the CIC, CIBI and TransUnion. Lista has raised ~US$5.1M+ from investors led by 1982 Ventures and Openspace Ventures. · Financial Inclusion · SME Financing · Credit Scoring · Founded 2021 · Metro Manila, Philippines · Seed · ₱280M raised - [konek2CARD](https://fintech.ph/listing/konek2card): k · konek2CARD is the mobile-banking and agent-banking platform of the CARD MRI microfinance group, operated by FDS Asya Philippines, Inc., a BSP-registered Electronic Money Issuer and joint venture between CARD MRI Holdings and Singapore's Fortress Data Services. It lets clients of CARD Bank, CARD SME Bank, CARD MRI Rizal Bank and CARD Inc. (NGO) do savings, fund transfers, loan payments, bills payment and cash-in/out via smartphone or community-based agents, advancing rural financial inclusion. It has surpassed two million registered users and roughly 18,000 agents. · Lending · Financial Inclusion · Digital Wallet · Founded 2016 · Makati City, Metro Manila · Private - [Moneymax](https://fintech.ph/listing/moneymax): Moneymax is one of the Philippines' leading personal-finance comparison marketplaces, helping Filipinos compare, choose, and apply online for credit cards, personal and auto loans, and insurance — for free and impartially. Operated by Moneyguru Philippines Corporation with insurance brokerage via its subsidiary MoneyHero Insurance Brokerage, Inc., Moneymax partners with leading banks and insurers including BPI, RCBC, UnionBank, FWD, and Singlife to match users with the right products. Launched in 2014, it is the local brand of MoneyHero Group (NASDAQ: MNY), a personal-finance aggregator across Southeast Asia. · Lending · Insurance · Financial Inclusion · Founded 2014 · Bonifacio Global City, Taguig · Private - [MYEG Philippines](https://fintech.ph/listing/myeg-philippines): MYEG Philippines is a one-stop e-government solutions and payment platform that lets Filipinos transact with government agencies anytime, anywhere. Through myeg.ph, users can pay for more than 800 government dues and services — including BIR taxes, SSS, PhilHealth, PRC, NBI clearance, PEZA, and business permits — using e-wallets such as GCash, Maya, ShopeePay, GrabPay, and PalawanPay, credit/debit cards, or cash over 100,000+ payment counters nationwide. A BSP-registered Operator of Payment System, MYEG PH is the local arm of a joint venture between Malaysia's MY E.G. Services Berhad and I-Pay Commerce Ventures. · Payments · Fintech Infrastructure · Financial Inclusion · Founded 2017 · Makati City, Metro Manila · Private - [Etiqa Philippines](https://fintech.ph/listing/etiqa-philippines): Humanizing Insurance · Etiqa Philippines (Etiqa Life and General Assurance Philippines, Inc.) is a composite life and general insurer and the Philippine arm of Malaysia's Etiqa, part of the Maybank group. Known for a digital-first, insurtech-driven approach, it distributes affordable embedded micro-insurance through GCash (GInsure phone protection), Shopee and Lazada via a partnership with insurtech Igloo — generating roughly 7 million gadget-protection policies on Shopee in 2022. Products span life, health, gadget, travel, motor and group insurance. Formerly AsianLife (founded 1958), it was acquired by Maybank in 2015 and rebranded Etiqa in 2019. · Insurance · Financial Inclusion · Founded 1958 · Makati City · Private - [GoodKredit](https://fintech.ph/listing/goodkredit): GoodKredit is a Cebu-based mobile fintech platform from GoodApps Inc. built to bring credit and everyday spending tools to unbanked and underserved Filipinos. Through its voucher-based 4 Gives model, users receive e-vouchers redeemable at partner sponsors and merchants and settle purchases over four installments. GoodApps also runs Payday Today, an earned-wage-access app — free for employers and zero-interest for employees — that lets workers draw already-earned salary before payday. GoodApps is a BSP-registered Operator of Payment Systems, backed by a DoST-PCIEERD startup grant. · Financial Inclusion · Buy Now Pay Later · Lending · Founded 2016 · Cebu City, Philippines · Seed · ₱3M raised - [Trusting Social Philippines](https://fintech.ph/listing/trusting-social): Verified · AI credit scoring, eKYC and fraud prevention for Philippine banks and lenders. · Trusting Social Philippines (TSPH) is the local arm of Singapore-headquartered Trusting Social, a fintech founded in 2013 that uses AI and alternative data to power financial inclusion. From its BGC, Taguig base, TSPH delivers AI-driven alternative credit scoring built on masked, anonymised, consent-based telco behavioural data, helping lenders assess thin-file and underbanked Filipinos. Its TrustInsight credit scores, TrustVision onboarding and anti-fraud suite, and Sophia engagement agent are delivered via API to 50+ Philippine commercial banks, digital banks, rural banks, cooperatives and lending companies. · Credit Scoring · Financial Inclusion · Fintech Infrastructure · Founded 2018 · Bonifacio Global City, Taguig · Series C · US$65M raised - [TayoCash](https://fintech.ph/listing/tayocash): Know where your money goes! · TayoCash is a Philippine mobile e-wallet operated by TayoCash Incorporated, a non-bank Electronic Money Issuer licensed and supervised by the Bangko Sentral ng Pilipinas (BSP) and registered with the Anti-Money Laundering Council. It turns a smartphone into a digital wallet for sending money, paying bills, buying prepaid load and shopping, with cash-in and cash-out through a nationwide partner network. Aiming to bring financial services to every Juan and Maria, it is part of the broader Philippine digital-payments ecosystem. · Digital Wallet · Payments · Financial Inclusion · Founded 2019 · Pasig City, Metro Manila · Private - [Remitly Philippines](https://fintech.ph/listing/remitly-philippines): Remitly is a digital cross-border money-transfer service and one of the largest remittance providers serving the Philippines, a top global corridor it has prioritized since 2013. Filipinos abroad use the Remitly app to send money home, with recipients receiving funds via GCash and other e-wallets, direct bank deposit, or cash pickup at thousands of pawnshop and agent locations nationwide. It is operated locally by Remitly Philippines, Inc. (a BSP-registered Operator of Payment System with major operations offices in Makati and BGC, Taguig) under parent Remitly Global, Inc. (NASDAQ: RELY). · Remittances · Payments · Financial Inclusion · Founded 2011 · Makati, Metro Manila · Public - [Radiowealth Finance Company](https://fintech.ph/listing/radiowealth-finance): Radiowealth Finance Company, Inc. (RFC) is one of the Philippines' pioneering non-bank finance companies, tracing its roots to the Guevara family's Radiowealth (founded 1935) and incorporated as a finance company in 1964. An SEC-licensed financing company, RFC provides accessible consumer, SME, collateral, and business loans through 120+ branches nationwide alongside a growing digital channel — online loan applications and its digital arm, Radiowealth Financial Services Corporation (RFSC), for unsecured online lending, plus embedded-lending partnerships. RFC continues to digitalize credit access for Filipino entrepreneurs and households. · Lending · SME Financing · Financial Inclusion · Founded 1964 · Mandaluyong City, Metro Manila · Private - [PawnHero](https://fintech.ph/listing/pawnhero): Pawning experience, upgraded! · PawnHero is the Philippines' first online pawnshop — billed as Southeast Asia's first — offering fast, discreet collateralized cash loans through its website and app. Filipinos pawn items like designer bags, watches, jewelry, gadgets, electronics and cameras, with free pickup in Metro Manila and surrounding areas, online appraisal, and remote loan renewals and redemptions. Interest rates start as low as 3.99% per month — among the lowest in the country — versus traditional pawnshops. Operated by PawnHero Pawnshop Philippines, Inc. (SEC- and BSP-regulated), it uses technology to make pawning convenient, transparent and hassle-free. · Lending · Financial Inclusion · Founded 2014 · Bonifacio Global City, Taguig · Series A - [Moneybees](https://fintech.ph/listing/moneybees): Buy and sell crypto with ease! · Moneybees Forex Corporation is the Philippines' first over-the-counter (OTC) cryptocurrency buy/sell service, BSP-registered as a Virtual Asset Service Provider since 2020. Customers trade Bitcoin, Ethereum and USDT in cash, in person, at BSP-licensed money changers, remittance agents and pawnshops in malls and business centers nationwide (around 26 OTC locations as of 2024) and via an online trading desk. It also offers white-label OTC technology to money-service businesses. Founded in 2017, it is part of founder Jay Villarante's 8Ventures group. · Cryptocurrency · Payments · Financial Inclusion · Founded 2017 · Metro Manila · Private - [OneLot](https://fintech.ph/listing/onelot): OneLot is a Philippine financing platform built for independent used-car dealers, combining secured inventory loans with digital dealership tools. Operated by OneLot Financing Corporation, an SEC-licensed financing company, it uses AI-driven underwriting paired with on-the-ground vehicle appraisal to issue credit decisions within hours, giving dealers revolving credit lines to buy and stock inventory. Beyond floorplan financing, OneLot offers new-car acquisition and bank-auction loans. Founded in 2023, it has issued over US$7M in loans to 150+ dealers and raised the Philippines' largest seed round of 2025. · SME Financing · Lending · Financial Inclusion · Founded 2023 · Makati, Metro Manila · Seed · US$7M raised - [Venteny](https://fintech.ph/listing/venteny): Venteny is an employee "super-app" and B2B fintech that helps employers improve workforce financial well-being. Founded in the Philippines in 2015, it offers Earned Wage Access (EWA) and salary advances that let employees draw a portion of already-earned pay before payday, plus multi-purpose employee loans, payroll services for outsourced workers, and a benefits and merchant-perks marketplace. Venteny operates across the Philippines, Singapore, Indonesia and Japan; its parent, PT VENTENY Fortuna International Tbk, is listed on the Indonesia Stock Exchange. · Lending · Financial Inclusion · Founded 2015 · Makati City, Metro Manila · Public - [Maria Health](https://fintech.ph/listing/maria-health): Simple, easy healthcare for the Philippines. · Maria Health is a Philippine online health-insurance marketplace and licensed insurance aggregator that lets individuals, families and businesses compare and buy HMO and health plans from leading providers in one place. Founded in 2017 by Vincent Lau, it offers instant quotes, unbiased guidance, prepaid health cards and free expert assistance, partnering with major HMOs including Maxicare, Intellicare, PhilCare, Etiqa and Insular Health Care (iCare). It serves both SMEs and individual consumers, and is backed by investors including Insular Life and Wavemaker Partners. · Insurance · Financial Inclusion · Founded 2017 · Makati City, Metro Manila · Series A - [Home Credit Philippines](https://fintech.ph/listing/home-credit-philippines): Home Credit Philippines (HC Consumer Finance Philippines, Inc.) is the country's largest consumer-finance company, operating since 2013. It pioneered in-store point-of-sale installment loans — 0% and low-interest financing for phones, gadgets, appliances and motorcycles at partner retailers — and has grown into cash loans, the Home Credit credit card, and Qwarta, an in-app BNPL wallet for QR payments, bills and online shopping. A financing company (not a bank), it has served 13M+ customers and disbursed over ₱320B in loans since 2013 (as of 2024). It is now owned by Thailand's Krungsri (75%) and Security Bank (25%); ultimate parent MUFG. · Lending · Buy Now Pay Later · Financial Inclusion · Founded 2013 · Taguig City (BGC) · Private - [Easylend](https://fintech.ph/listing/easylend): Easy na yan, with Easylend · Easylend is the consumer-lending brand of Country Funders Finance Corporation (CFFC), a financing company under the Philippines' Ropali Group. Launched in 2025, Easylend provides fast, accessible motorcycle, business and agricultural loans for everyday Filipinos — commuters, riders, sari-sari store owners, agripreneurs and MSMEs — with motorcycle-loan approvals in as fast as 1–2 hours and only one valid ID plus proof of income required. Through its mobile app and 300+ partner dealerships and retail outlets nationwide, CFFC has served over 200,000 borrowers since 2018. · Lending · Financial Inclusion · SME Financing · Founded 2018 · Pasig City, Metro Manila · Private - [Qoala Philippines](https://fintech.ph/listing/qoala-philippines): Qoala is a Southeast Asian insurtech that makes protection simple, affordable and accessible through technology and embedded distribution. Operating across Indonesia, Malaysia, Thailand, Vietnam and the Philippines, Qoala partners with insurers and digital platforms to offer bite-size, relevant cover — from gadget and merchandise protection to extended warranties — at the point of purchase. In the Philippines it powers embedded "checkout protection," including a partnership with lending app Skyro that lets shoppers add device and purchase cover as they buy. Founded in 2018, Qoala is backed by PayPal Ventures, MassMutual Ventures and MUFG. · Insurance · Financial Inclusion · Founded 2018 · Manila, Philippines · Series C · US$47M raised - [TOP.ph](https://fintech.ph/listing/top-ph): Go Cashless, Live Priceless · TOP.ph (The Orange Platform) is a Filipino-made digital wallet and lifestyle payments app from The Orange Company Inc., a BSP-registered Operator of Payment System. The app lets users store e-money, send and receive money, cash in and out, buy prepaid load, and pay bills and utilities, with a partner-merchant network and a linked ATM/physical card option. It positions itself around financial inclusion — serving unbanked Filipinos and narrowing the financial-literacy gap — and runs BSP-compliant KYC onboarding. It is available on Android, iOS, and Huawei AppGallery. · Digital Wallet · Payments · Financial Inclusion · Founded 2021 · Metro Manila, Philippines · Private - [SB Finance](https://fintech.ph/listing/sb-finance): Dito, pwede! · SB Finance Company, Inc. is the consumer-finance arm of Security Bank, operated as a 50/50 joint venture with Thailand's Krungsri (Bank of Ayudhya, part of the MUFG group). An SEC-licensed financing company supervised by the BSP, it provides accessible loans to everyday and underserved Filipinos — salary and employee loans (eSALAD), personal loans, motorcycle financing (MotorsikLOAN), and OR/CR collateral loans (Car4Cash) — paired with financial-literacy programs that promote responsible borrowing. It has activated over 500,000 loan accounts nationwide. · Lending · Financial Inclusion · SME Financing · Founded 2017 · Makati City, Philippines · Private - [Nationlink](https://fintech.ph/listing/nationlink): Empowering Communities. · Nationlink is a Philippine interbank ATM and electronic-payments network operated by Infoserve, Inc., a BSP-registered Operator of Payment Systems. It connects rural banks, savings banks, credit unions, cooperatives and NGOs to nationwide ATM and POS services, enabling cash withdrawals, card issuance, fund transfers, bills payment, e-money and domestic and international remittance. As the first network-alliance member of BancNet, it extends affordable and accessible financial services to underserved and rural communities and to overseas Filipinos. Headquartered in Makati City. · Fintech Infrastructure · Payments · Financial Inclusion · Founded 2006 · Makati City, Metro Manila · Private - [Digipay](https://fintech.ph/listing/digipay): Digipay is a Philippine B2B digital-payments and financial-services platform operated by FSG Technology Ventures, Inc. (a subsidiary of FSG Capital, Inc.). Launched in 2017, it turns sari-sari stores and small businesses into agent outlets ("digitindahan") that earn commissions by offering bills payment, e-load, e-pins and gaming credits, mobile-money cash-in (such as GCash and Maya), remittance and microinsurance via web or mobile app on behalf of customers. Digipay is a BSP-registered Operator of Payment System used across tens of thousands of merchant locations nationwide. · Payments · Financial Inclusion · Remittances · Founded 2017 · Mandaluyong City, Metro Manila · Private - [Global CreditPros](https://fintech.ph/listing/global-creditpros): Say Hi to Holistic · Global CreditPros is a Makati-based fintech lender founded in 2016, offering salary and payroll-deduction loans aimed at the BPO workforce, OFWs, and overseas Filipinos. Beyond credit, it markets a holistic suite of add-ons including short-term insurance, educational loans, a retirement program, financial-literacy campaigns, and mental-health support. Borrowers apply online via the website or its mobile app, with credit-worthiness assessed by proprietary scoring software before payslip verification. It is a SEC-registered financing/lending company operating under a Certificate of Authority. · Lending · Financial Inclusion · Founded 2016 · Makati City, Metro Manila · Private - [NextPay](https://fintech.ph/listing/nextpay): Built for the Businesses That Move the Philippines · NextPay is a digital business-banking and payments platform built for Philippine micro, small, and medium enterprises, entrepreneurs, and freelancers — an alternative to a traditional business bank account. Businesses collect customer payments via digital invoices, manage cash, and send batch payouts for payroll, suppliers, and bills to 90+ local banks and e-wallets, including UnionBank, BDO, BPI, GCash, and Maya. Operated by NextEnterprises, Inc., a BSP-registered Operator of Payment Systems, NextPay was a Y Combinator (W21) company and has processed roughly ₱13 billion in transactions since launch. · Payments · Business Banking · Fintech Infrastructure · Founded 2019 · Metro Manila, Philippines · Seed · US$2M raised - [LoanChamp](https://fintech.ph/listing/loanchamp): Kailangan mo ng pera? I-LoanChamp mo na! · LoanChamp is an online lending platform operated by Y Finance Inc., a Makati-based SEC-registered lending company founded in 2018. It offers fully online personal, salary and seafarer loans of ₱2,000 to ₱500,000 with same-day disbursement, focused on financial inclusion for underserved Filipino borrowers. In 2023, UAE-based consumer-tech group Astra Tech acquired a 90% stake in Y Finance. · Lending · Financial Inclusion · Founded 2018 · Makati City, Metro Manila · Private - [Payday Today](https://fintech.ph/listing/payday-today): Payday Today is an Earned Wage Access (EWA) app from Cebu-based GoodApps, Inc. that lets employees draw a portion of their already-accrued salary before payday and transfer it to any bank or e-wallet. Free for participating employers and charging employees no interest on the wages they access, it aims to reduce reliance on high-cost loans during pay gaps. The app works through a web portal where employers enroll workers and release wage credits, and was built with support from a DOST-PCIEERD Startup Grant Fund award. GoodApps is a BSP-registered Operator of Payment System. · Financial Inclusion · Lending · Founded 2022 · Cebu City, Philippines · Private · ₱3M raised - [Enstack](https://fintech.ph/listing/enstack): AI-Powered Entrepreneurship · Enstack is a Philippine-built, AI-powered all-in-one mobile app that lets micro and small entrepreneurs run an entire business from a phone — building online storefronts, managing inventory, accepting payments, and arranging nationwide shipping, with AI tools for design and content. Operated by Enstack Technologies, Inc. and a BSP-registered Operator of Payment Systems, it was founded in 2021 by Macy Castillo (ex-Shopee Philippines) and Skype co-founder Geoffrey Prentice. Enstack exited beta in October 2022 and has grown to 200,000+ entrepreneurs on the platform. · Payments · SME Financing · Fintech Infrastructure · Founded 2021 · Metro Manila, Philippines · Series A · US$3M raised - [N90 Lending Corp.](https://fintech.ph/listing/n90): This is finance built for SMEs · N90 Lending Corp. is an SEC-registered, born-digital alternative lender giving Philippine small and medium enterprises fast, fair, and flexible access to capital. Built around the realities of delayed payments and rigid bank requirements, N90 offers small business loans, invoice financing, purchase-order and working-capital funding, and bridge loans of up to ₱25 million — with minimal documentation, upfront pricing, and quick decisions. It also extends to the workforce through Earned Wage Access via its AgadPay product. Based in Bonifacio Global City, Taguig. · SME Financing · Lending · Financial Inclusion · Founded 2024 · Bonifacio Global City, Taguig · Private - [PERA HUB](https://fintech.ph/listing/petnet-perahub): PERA HUB is the retail financial-services brand of PETNET, Inc., one of the Philippines' largest payments and remittance networks with over 3,000 locations nationwide. It offers domestic and international money remittance, foreign exchange, bills payment, e-loading, airline ticketing, ATM cash-out, microinsurance, and e-wallet cash-in/cash-out, and is the country's biggest Western Union agent. Its corporate arm, PETNET Forex Solutions, provides USD trading and cross-border B2B payments. A BSP-supervised institution founded in 1998, PETNET is part of the UnionBank of the Philippines group. · Remittances · Payments · Financial Inclusion · Founded 1998 · Makati City, Philippines · Private - [MoneyCat](https://fintech.ph/listing/moneycat): Online consumer lending in the Philippines · MoneyCat is an online cash-loan service operated by MoneyCat Financing Inc., an SEC-registered Philippine financing company (Certificate of Authority No. 1254). MoneyCat offers fully digital personal loans from PHP 500 up to PHP 20,000 for terms of 65 to 180 days, with applications processed online in minutes and funds disbursed to a bank account or e-wallet. It uses telco-based alternative credit scoring to serve first-time and underbanked borrowers, and offers a 0%-interest promo on a first loan. · Lending · Financial Inclusion · Founded 2019 · Mandaluyong City, Philippines · Private - [GoodPay](https://fintech.ph/listing/goodpay): Digital payments for merchants and communities · GoodPay is a Philippine payment-processing platform built by the GoodTech group for micro-entrepreneurs, freelancers, and gig workers. It lets merchants accept payments from major banks, e-wallets (GCash, Maya), and credit and debit cards through a single QR code or shareable payment link, managed from an easy merchant dashboard. Merchants onboard online by submitting their business details, a valid ID, and a selfie. Good Tech Holdings, Inc. is registered with the Bangko Sentral ng Pilipinas as an Operator of a Payment System. · Payments · Fintech Infrastructure · Financial Inclusion · Founded 2022 · Clark Freeport Zone, Pampanga, Philippines · Private - [Pluxee Philippines](https://fintech.ph/listing/pluxee): Live Joyful · Pluxee Philippines, formerly Sodexo Benefits and Rewards Services, is the country's pioneer and largest issuer of gift certificates since 2003 and now a digital-first employee-benefits and rewards platform. Through the Pluxee app, employees and consumers manage meal and gift credits, make fast in-store payments at over 17,000 accredited merchants, redeem rewards down to the last centavo online and offline, and send credits from as little as ₱1. Part of the global Pluxee Group (spun off from Sodexo in 2024), it also powers the SM Gift Pass and Walter Mart Gift Pass. · Digital Wallet · Payments · Financial Inclusion · Founded 2003 · Metro Manila, Philippines · Public - [ACOM Consumer Finance Corporation](https://fintech.ph/listing/acom): ACOM Consumer Finance Corporation is an SEC-licensed financing company offering fast, collateral-free consumer cash loans to employed Filipinos. Its flagship product, REVOMAX, is an online revolving credit line of ₱3,500 to ₱500,000 that can be reused within an approved limit and grows with a borrower's repayment history. Customers apply online through the ACOM website or mobile app with e-signature, with funds disbursed to bank accounts, GCash, or Maya. Established in 2017, it is a joint venture of Japan's ACOM Co., Ltd. — a Mitsubishi UFJ Financial Group (MUFG) company — and ITOCHU Corporation. · Lending · Financial Inclusion · Founded 2017 · Pasig City, Metro Manila · Private - [I-Pay](https://fintech.ph/listing/i-pay): I-Pay Commerce Ventures, Inc. is a Philippine fintech that builds electronic-payment, remittance, and eGovernment rails for government agencies and enterprises. Its Direct-To-Bank (DTB) service lets recipients deposit Western Union remittances straight to a bank account or mobile wallet online, with same-day transfer, and I-Pay also operates as a Western Union remittance agent and powers online registration and payment systems for government services. The company is supervised by the Bangko Sentral ng Pilipinas as a non-bank Electronic Money Issuer and is a registered Operator of a Payment System. · Payments · Remittances · Fintech Infrastructure · Founded 2015 · Makati City, Philippines · Private - [Igloo](https://fintech.ph/listing/igloo): Simple. Painless. Honest. · Igloo is a Singapore-headquartered full-stack regional insurtech (founded 2016 as Axinan) that embeds insurance into digital platforms across Southeast Asia. In the Philippines it operates through local entity Axinan Philippines, Inc. (BGC, Taguig), partnering with 40+ platforms — including GCash, Shopee, Angkas, Skyro and Smart — and IC-licensed underwriters Malayan, Etiqa, PGA Sompo and Mercantile, launching 55+ localized products spanning travel, motor, loan, device and weather-index cover. Regionally it has facilitated 1.6B+ policies and raised about US$105M to date. · Insurance · Fintech Infrastructure · Payments · Founded 2016 · Singapore (PH office: BGC, Taguig) · Growth - [Mocasa](https://fintech.ph/listing/mocasa): Pay Later Anywhere · Mocasa is a Philippine virtual credit wallet and buy-now-pay-later app operated by SEC-licensed Philippine Cashtrout Lending Corp. It gives underbanked Filipinos an instant virtual Mastercard credit line for online and in-store QR purchases, plus Quick Loan cash advances of up to ₱50,000 disbursed to GCash, Maya, bank or e-wallet accounts. Users can also pay bills and buy mobile load in-app, with a 50-day interest-free repayment window on credit purchases. With more than 1 million app downloads and hundreds of thousands of active users, Mocasa is one of the country's first app-based virtual credit lines. · Buy Now Pay Later · Lending · Financial Inclusion · Founded 2022 · Pasig City, Metro Manila · Private - [Island Credit Solution](https://fintech.ph/listing/island-credit-solution): Make Smarter Credit Decisions in Real-Time · Island Credit Solution, Inc. is a Philippine credit-scoring and risk-analytics company accredited by the Credit Information Corporation (CIC) as a Special Accessing Entity. Using AI and alternative data, it provides banks, lenders, and MSMEs with real-time credit reports and scores, identity verification, and fraud-management tools to make faster, more inclusive lending decisions. Its flagship PhilScore helps financial institutions assess thin-file and underserved borrowers, expanding access to credit for Filipinos who lack a traditional credit history. · Credit Scoring · Fintech Infrastructure · Financial Inclusion · Founded 2025 · Makati City, Philippines · Private - [iChoose.ph](https://fintech.ph/listing/ichoose-ph): i · iChoose.ph is the Philippines' first free online car insurance comparison platform, letting motorists compare quotes from leading IC-licensed non-life insurers and buy or renew comprehensive, third-party liability and CTPL coverage online in minutes. Founded in 2014 by insurance veterans Erwin and Jhun Reyes with technologist Migs Cruz, it pairs a self-service comparison website with on-the-ground iChoose Insurance service hubs in malls across Metro Manila and nearby provinces. Policies are transacted through its IC-registered insurance agency, Ichoose Insurance Agency and Surety Services Inc. · Insurance · Financial Inclusion · Founded 2014 · Muntinlupa City, Metro Manila · Private - [Multisys Technologies Corporation](https://fintech.ph/listing/multisys-technologies): Multisys Technologies Corporation is a Filipino digital-platforms and payments-technology company founded in 2010 by David Almirol Jr. A BSP-registered Operator of Payment System, Multisys builds and operates payment infrastructure used across enterprise, government, microfinance and MSME sectors — including its e-Negosyo MSME platform, the Multipay smart payment-routing technology, the Bayad bills-payment app, and AppendPay for microfinance members. Backed by PLDT (45.73% stake), it is one of the Philippines' most prominent homegrown software firms, powering cashless and e-government services nationwide. · Payments · Fintech Infrastructure · Financial Inclusion · Founded 2010 · Parañaque City, Metro Manila · Private · ₱2.1B raised - [Crawfort](https://fintech.ph/listing/crawfort): Crawfort Philippines is an SEC-registered online lending company offering fast, fully digital personal cash loans of up to ₱50,000 to individual borrowers, with applications and disbursement handled through its mobile app and website. It is the Philippine arm of Singapore-based Crawfort (Capital C Corporation). · Lending · Financial Inclusion · Founded 2019 · Makati City, Metro Manila · Private - [Hive Health](https://fintech.ph/listing/hive-health): Hive Health is a tech-enabled HMO offering hassle-free, comprehensive health plans tailor-made for small and medium enterprises and growing companies in the Philippines, covering outpatient, inpatient, emergency and dental care. Care is delivered through its IC-licensed subsidiary Health Plans Philippines, Inc. (HPPI), an HMO operating since 1986 with a network of 1,700+ hospitals and clinics. Founded in 2021 (Y Combinator S21) and backed by Gentree Fund, BEENEXT, Amasia and Y Combinator, Hive Health raised a US$6.5M Pre-Series A in 2024. · Insurance · Fintech Infrastructure · Financial Inclusion · Founded 2021 · Pasig City, Metro Manila · Seed · US$7M raised - [AllCare](https://fintech.ph/listing/allcare): AllCare is a Philippine digital benefits marketplace that gives SMEs, freelancers, gig workers and the self-employed access to worker benefits traditionally reserved for large-company employees. A benefits aggregator (not an HMO itself), it pre-negotiates and bundles HMO, life insurance, annual physical exams, 24/7 teleconsultation, mental-health counseling, dental, optical and wellness perks from partner providers into membership plans on one platform. Its individual SoloCare plans cover access to 1,600+ hospitals and clinics nationwide. Founded by Cindy Burdette; based in Pasig City. · Insurance · Financial Inclusion · Fintech Infrastructure · Founded 2018 · Pasig City, Metro Manila · Seed - [Asialink Finance](https://fintech.ph/listing/asialink-finance): Asialink Finance Corporation is one of the Philippines' largest non-bank lenders, specializing in collateral-backed credit for micro, small and medium enterprises — secured vehicle, truck and second-hand auto loans, real-estate-backed business loans, and OFW/seafarer personal loans. Founded in Pasig in 1997, it operates roughly 250 branches nationwide. In February 2024 private-equity firm Creador acquired an 18% stake for ₱4 billion, and the company has since secured IFC, ADB and CGIF-backed facilities to expand MSME lending (targeting ₱17 billion in disbursements for 2025) while digitalizing operations. Majority-owned by the Lugtu family. · Lending · SME Financing · Financial Inclusion · Founded 1997 · Pasig City · Private · ₱4.0B raised - [Surepay Technologies](https://fintech.ph/listing/surepay-technologies): Surepay Technologies Inc. (SPTI) is a Philippine provider of digital payment and automation solutions and a BSP-registered Operator of Payment System. It builds electronic payment and collection systems (EPCS), payment-gateway integrations, and electronic bill presentment and payment for businesses and government. SPTI specializes in digitizing local government units — powering treasury and e-services suites such as its DigiGov platform and the ADB-funded LGU Integrated Financial Tools (LIFT) system — and provides the eBoracay cash-lite tourism ticketing portal used with GCash. It is ISO 9001:2015 certified. · Payments · Fintech Infrastructure · Financial Inclusion · Founded 2019 · Philippines · Private - [bolttech](https://fintech.ph/listing/bolttech-philippines): Connecting the world to the right insurance at the right time · bolttech is a global insurtech (founded 2020, headquartered in Singapore; an insurtech business of Pacific Century Group) that powers embedded insurance and device protection through partner platforms. In the Philippines it runs device protection and insurance marketplaces for major partners including Maya, Home Credit, Globe (Gadget Xchange and Flagship Forever) and SB Finance, with coverage underwritten by IC-licensed insurer partners. Globally bolttech operates in 39 markets with over US$85 billion in annualized quoted premiums and 230+ connected insurers, and is valued at US$2.1 billion. · Insurance · Fintech Infrastructure · Financial Inclusion · Founded 2020 · Metro Manila, Philippines · Series C - [PalawanPay](https://fintech.ph/listing/palawanpay): The digital e-wallet of the Palawan Pawnshop Group · PalawanPay is the e-wallet of the Palawan Pawnshop Group (Palawan Pawnshop, Palawan Express Pera Padala), launched in April 2022 to bring digital financial services to underserved and unbanked Filipinos. Operated by BSP-licensed e-money issuer PPS-PEPP Financial Services Corporation, it offers cash-in/cash-out, domestic and international remittance (Pera Padala), bill payments, e-load, QR payments, a Visa virtual card and embedded micro-insurance. It bridges digital and over-the-counter transactions across the group's 70,000+ branches and agents nationwide, and surpassed 22 million subscribers in 2025. · Digital Wallet · Remittances · Payments · Founded 2022 · Puerto Princesa City, Palawan · Private - [ADVANCE.CBP](https://fintech.ph/listing/advance-cbp): Your Partner in Credit Intelligence · ADVANCE.CBP is a CIC-accredited credit bureau in the Philippines, operated by Advintel Inc. and part of Singapore's ADVANCE.AI (Advance Intelligence Group). As a duly accredited Special Accessing Entity of the Credit Information Corporation, it combines official CIC credit data with alternative data and AI to deliver real-time credit reports, scores, and risk insights for banks, digital and thrift banks, fintechs, and lenders. Its CBP Credit Report, CBP Credit Features 500, and CBP Scores pair with ADVANCE.AI's eKYC and anti-fraud tools to support responsible lending and broaden financial inclusion. · Credit Scoring · Fintech Infrastructure · Financial Inclusion · Founded 2024 · Makati City, Metro Manila · Seed · US$4M raised - [Asteria Lending](https://fintech.ph/listing/asteria-lending): Asteria Lending, Inc. is a Makati-based online lending company that makes borrowing fast, simple, and fully digital. Through its website, Filipinos can apply for salary and personal loans from ₱2,000 up to ₱50,000 with no collateral and minimal requirements, and receive a decision within about 24 hours, with flexible repayment terms of 30 to 120 days. SEC-registered and licensed as a lending company, Asteria positions itself as a convenient, entirely online alternative to traditional banks — lighter requirements, no branch visits or queues, and a support team to guide borrowers. · Lending · Financial Inclusion · Founded 2016 · Makati City, Metro Manila · Private - [ACash](https://fintech.ph/listing/acash): ACash is a digital wallet developed by iSynergies, Inc., the information-technology unit of the Nueva Ecija-based ASKI Group of Companies, a microfinance and rural-development organization. Launched in 2019 for the ASKI ecosystem, the app lets users pay for purchases, settle loan and insurance payments, transfer funds, give donations, and buy telco load. It is a BSP-registered Operator of Payment System and is available on iOS and Android. · Digital Wallet · Payments · Financial Inclusion · Founded 2019 · Cabanatuan City, Nueva Ecija · Private - [Oona Insurance Philippines](https://fintech.ph/listing/oona-insurance-philippines): Insurance made easy. · Oona Insurance Philippines (legally Oona Insular Insurance Corporation, formerly MAPFRE Insular Insurance Corporation) is a digital-first non-life insurer offering motor, CTPL, property, personal accident, health, critical illness, travel, flight-delay, OFW and business insurance. It traces its roots to 1934 and rebranded to Oona on 1 April 2023 after Warburg Pincus established the regional Oona group and acquired the business. Headquartered in Muntinlupa City, it is regulated by the Insurance Commission and is part of Oona's Southeast Asia platform. · Insurance · Financial Inclusion · Founded 1934 · Muntinlupa City, Metro Manila · Private - [PearlPay](https://fintech.ph/listing/pearlpay): PearlPay Inc. is a Philippine fintech founded in 2018 that provides cloud-based digital banking infrastructure to rural banks, microfinance institutions, and cooperatives that serve the country's unbanked rural communities. Built on AWS, its platform spans core banking, agent banking, loan management, a payment gateway, and white-label mobile wallets, letting small banks digitize without heavy on-premise systems. A BSP-registered Operator of Payment Systems, PearlPay also enables merchants to accept interoperable QR Ph payments and partners with institutions including RCBC to extend digital finance to LGUs, schools, clinics, and MSMEs. · Fintech Infrastructure · Digital Banking · Financial Inclusion · Founded 2018 · Taguig City, Philippines · Private - [PlataPay](https://fintech.ph/listing/platapay): Financial Freedom at Your Fingertips · PlataPay is a Philippine digital payments and agent-network platform operated by InnovateHub, Inc. of Batangas City. It equips micropreneurs and neighborhood agents with a digital wallet and "Business Center" tools to offer bills payment, e-loading, remittance, QR payments, and cash-in/cash-out to their communities through tiered agent subscription plans. InnovateHub is a BSP-registered Operator of Payment Systems and partners with banks such as AllBank for QR acceptance, helping bring digital financial services to underserved areas. · Payments · Digital Wallet · Remittances · Founded 2024 · Batangas City, Philippines · Private - [ECPay](https://fintech.ph/listing/ecpay): Nationwide bills payment and e-load network · Electronic Commerce Payments, Inc. (ECPay) is one of the Philippines' largest electronic payments and bills-payment networks. Founded around 2001, it lets retail outlets and partners accept bills payments, e-load and electronic PINs, prepaid and cash-card reloads, e-wallet top-ups, airline tickets and online/credit-card payments, across 490,000+ over-the-counter channels and 3,000+ digital touchpoints nationwide. ECPay is a BSP-registered Operator of Payment Systems. After Globe acquired 77% in 2019, it was bought by Mynt, the parent of GCash, for up to PHP 3.0 billion (PCC-cleared 2025), making it a GCash-group subsidiary. · Payments · Financial Inclusion · Founded 2001 · Quezon City, Philippines · Private - [Rampver Online](https://fintech.ph/listing/rampver-online): The best way to get started in investing. · Rampver Online is the digital investing platform of Rampver Financials, Inc. (founded 1993 as Ramp Inc.), one of the Philippines' largest non-bank mutual fund distributors. The app lets retail Filipinos open an account and invest in SEC-regulated mutual funds and UITFs from multiple fund houses (Sun Life, ATRAM, First Metro/FAMI, Philequity and its own Soldivo funds), and track their portfolio, with minimums as low as ₱1,000. Rampver also offers insurance and financial planning, and reports over ₱18 billion in assets and 60,000+ clients. · Investments · Wealth Management · Financial Inclusion · Founded 1993 · Makati City, Metro Manila · Private - [Jia](https://fintech.ph/listing/jia): Unlock working capital with Jia · Jia is a digital SME-financing company giving Philippine small and medium businesses fast access to working capital. Combining AI-driven credit assessment with blockchain-based capital, Jia offers invoice factoring, receivables and purchase-order financing, inventory financing, and supply-chain financing — with funding decisions in under 24 hours, fees of roughly 1–5%, and flexible terms from one day to six months. Backed by Coinbase Ventures, the Stellar Development Foundation and others, Jia is building an integrated financial operating system to close the Philippines' multi-billion-dollar SME credit gap. · SME Financing · Lending · Financial Inclusion · Founded 2022 · Metro Manila, Philippines · Seed · US$3M raised - [eMango](https://fintech.ph/listing/emango): e · eMango Wallet is a BSP-licensed Philippine e-money platform operated by SpeedyPay, Inc. The app lets users send money, pay bills, buy eLoad, and make QR payments, with InstaPay transfers and a nationwide network of cash-in/cash-out partners and merchants. eMango also offers merchant tools and a payment-gateway portal for businesses, and is widely used to distribute allowances and financial assistance. SpeedyPay is regulated by the Bangko Sentral ng Pilipinas as an Electronic Money Issuer, with Remittance Transfer Company, foreign-exchange dealer, and money-changer authorities. · Digital Wallet · Payments · Remittances · Founded 2018 · Pasig City, Philippines · Private - [Pondo Pinoy](https://fintech.ph/listing/pondo-pinoy): Apply in Minutes, Get Funded in 1 Day · Pondo Pinoy is a Philippine online lending company providing collateral-free working-capital loans to micro, small, and medium enterprises. It serves sari-sari store owners, franchisees, and entrepreneurs with business loans ranging from about ₱15,000 up to ₱5 million. Its model combines field agents with a web-based application portal and online payment gateways for application, disbursement, and repayment. Products include short-term working-capital loans, long-term installment loans, franchise and small-business loans, invoice financing, and revolving credit lines. The company is SEC-registered and based in Makati City. · Lending · SME Financing · Financial Inclusion · Founded 2023 · Makati City, Metro Manila · Private - [Talino](https://fintech.ph/listing/talino): Talino is a global fintech foundry building inclusive financial infrastructure for emerging markets and the Filipino diaspora, with the Philippines as its flagship market. Founded by Winston Damarillo (founder of Gluecode, acquired by IBM), Talino began as a venture studio for inclusive fintech, building ventures such as BayaniPay, Higala, and Asenso, and now offers a hybrid platform that merges traditional finance with stablecoin rails to power faster, lower-cost cross-border payments, in partnership with PDAX and Bridge (a Stripe company). It closed a US$7.5M Series A in 2026 led by Chemonics International. · Fintech Infrastructure · Payments · Remittances · Founded 2017 · Pasig City, Philippines · Series A · ₱498M raised - [Blaggo](https://fintech.ph/listing/blaggo): Blaggo is a utility-engagement and bills-payment app operated by 8Nexity Technology Corporation, a BSP-registered Operator of Payment System based in Mandaue City, Cebu. It lets consumers receive utility bills, pay them, and connect with their utility providers in one mobile app, alongside QR payments, due-date reminders, and an in-app inbox. Its closed-loop Blaggo Wallet stores Blaggo Tokens (1 token = 1 peso) used to pay partner billers, with top-ups at neighborhood partner stores. The platform pairs the consumer app with a cloud portal for utility partners, targeting underserved and unbanked Filipinos. · Payments · Digital Wallet · Financial Inclusion · Founded 2023 · Mandaue City, Cebu · Private - [KAYA Payment Platform](https://fintech.ph/listing/kaya-payment-platform): Kooperatibang may Asenso, Yaman at Abilidad · KAYA is a cooperative-owned, cloud-based payment and digital-banking platform run by the National Confederation of Cooperatives (NATCCO) with the Philippine Federation of Credit Cooperatives (PFCCO). It lets cooperatives and their members transact across branches, a mobile app, ATMs, and EFT-POS terminals — supporting account opening, fund transfers, loan applications and payments, bills payment, mobile top-up, and e-wallet reload. Launched in 2017 and relaunched as KAYA 2.0 in 2021, it has been adopted by 150+ cooperatives with 400+ branches and ATMs nationwide, advancing financial inclusion in the countryside. · Fintech Infrastructure · Digital Banking · Financial Inclusion · Founded 2017 · Quezon City, Metro Manila · Private - [eTap](https://fintech.ph/listing/etap): e · Make it easy with eTap · eTap is a homegrown Philippine fintech making financial services accessible to the unbanked and underbanked through a nationwide network of self-service payment kiosks. Founded in 2015, it lets Filipinos cash in to e-wallets like GCash, Maya, and PalawanPay, pay bills, buy load, and send money, with cash-out machines and regional eTap Hubs expanding in 2026. Designing both its hardware and software in-house, eTap operates thousands of machines and satellite offices across Luzon, Visayas, and Mindanao, processing billions of pesos in transactions monthly as a BSP-registered Operator of Payment Systems. · Payments · Remittances · Financial Inclusion · Founded 2015 · Makati City, Philippines · Private - [WeePay](https://fintech.ph/listing/weepay): Weepay Payment Processing Corporation is a Pasig City–based payments company supervised by the BSP as an Operator of Payment System. Founded in 2007, it provides merchant payment-acceptance services — online payment gateways, virtual and physical POS terminals, and card acquiring across Visa, Mastercard and China UnionPay (as a registered payment facilitator), plus BancNet, MegaLink and ExpressNet — and supports agency-banking cash-in and cash-out services that extend financial access to underserved communities. · Payments · Fintech Infrastructure · Financial Inclusion · Founded 2007 · Pasig City, Metro Manila · Private - [Cepat Kredit](https://fintech.ph/listing/cepat-kredit): Kaya agad ang financial goals mo sa CEPAT KREDIT! · Cepat Kredit Financing Inc. is a Philippine financing company specializing in personal loans for Overseas Filipino Workers (OFWs) and seafarers. A member of the Asialink Group, it offers OFW and seaman's loans from roughly ₱40,000 up to ₱1,000,000 with flexible 3–24 month terms, processed online with approval in 1–3 days. The company reports over ₱7.5 billion in loans released across more than 72,900 accounts. · Lending · Financial Inclusion · Founded 2019 · Pasig City, Metro Manila · Private - [Online Loans Pilipinas](https://fintech.ph/listing/online-loans-pilipinas): Online personal loans for Filipino borrowers · Online Loans Pilipinas (OLP) is a Philippine online lending app operated by Online Loans Pilipinas Financing, Inc., an SEC-registered financing company (Certificate of Authority No. 1181). OLP offers fully digital, collateral-free cash loans of ₱1,000 to ₱20,000 (first-time borrowers up to ₱7,000), applied for and disbursed entirely through its mobile app to a bank account or e-wallet such as GCash, often within minutes. Loans carry 0% interest when repaid by the first due date, with terms of up to 30 days, serving Filipinos seeking quick, paperless access to short-term credit. · Lending · Financial Inclusion · Founded 2017 · Mandaluyong City, Metro Manila · Private - [Plentina](https://fintech.ph/listing/plentina): Getting credit has never been simpler · Plentina is a Filipino-American fintech building alternative credit access in emerging markets. Through its Philippine lending arm, Plentina Lending, Inc. (SEC-registered), it offers a buy-now-pay-later app letting consumers split payments and build credit history at 60+ partner merchants including SM, Robinsons, Shopee, Lazada, Grab and foodpanda, with repayment via e-wallets or over-the-counter at 7-Eleven. Founded in 2019 by Stanford classmates Kevin Gabayan (ex-Google/NASA) and Earl Valencia, it has raised over US$5M from Techstars, 500 Startups, TMV and Global Founders Capital. · Buy Now Pay Later · Lending · Credit Scoring · Founded 2019 · Parañaque, Metro Manila · Seed · ₱255M raised - [PisoPay](https://fintech.ph/listing/pisopay): Innovative, fast & secure remittance service for as low as one peso · Pisopay.com, Inc. is a Makati-based Philippine fintech offering remittance and digital payment services for as low as one peso. Founded in 2017, it operates a BSP-registered payments business spanning domestic and international money transfers, an online payment gateway for merchants, bills payment, e-load, a payroll solution (PisoPayRoll), and a VISA prepaid card. Its agent network lets local shops act as "Pisopay Centres," community financial hubs that extend digital payments and remittance to areas underserved by traditional banking. The gateway accepts GCash, Maya, WeChat, cards, and over-the-counter channels. · Payments · Remittances · Financial Inclusion · Founded 2017 · Makati City, Metro Manila · Private - [Peddlr](https://fintech.ph/listing/peddlr): Free mobile POS and digital storefront for sari-sari stores and MSMEs · Peddlr is a Philippine startup building digital infrastructure for micro and small businesses. Its free mobile POS and bookkeeping app lets sari-sari stores and micro-MSMEs track sales, inventory, expenses and customer credit (utang) offline. It is expanding into fintech: accepting GCash, Maya and bank payments via a single QRPH code (Kankolek), plus e-load, bills payment, gaming pins and planned inventory financing. Founded 2021 in Catbalogan, Samar by Nel Laygo, Peddlr reports over 2 million app downloads and raised ~PHP 240M (US$4.6M) in seed and pre-seed funding. · Payments · Digital Wallet · Financial Inclusion · Founded 2021 · Catbalogan City, Samar, Philippines · Seed · ₱240M raised - [FortunePay](https://fintech.ph/listing/fortunepay): FortunePay is a Philippine e-wallet operated by Easypay Global EMI Corp., a Bangko Sentral ng Pilipinas-licensed Electronic Money Issuer and Operator of Payment Systems. The app lets users send and receive money instantly, pay bills, buy mobile load 24/7, shop and pay merchants, and settle government payments from their phone. Stored value is linked to the user's mobile number for fast, cashless peer-to-peer transfers, with cash-in and cash-out through partner banks and outlets nationwide. · Digital Wallet · Payments · Remittances · Founded 2021 · Taguig City, Philippines · Private - [CARD Pioneer Microinsurance](https://fintech.ph/listing/card-pioneer-microinsurance): CARD Pioneer Microinsurance Inc. (CPMI) is one of the Philippines' first non-life microinsurance companies, established in 2013 as a joint venture between CARD MRI (Center for Agriculture and Rural Development, Mutually Reinforcing Institutions) and Pioneer Insurance. CPMI designs affordable, pro-poor microinsurance covering calamity, agriculture, personal accident and income-loss risks for underserved Filipino families, farmers and microentrepreneurs. Distributed through CARD MRI's nationwide microfinance network, its model is cited globally by CGAP and the ILO as a financial-inclusion benchmark. · Insurance · Lending · Financial Inclusion · Founded 2013 · Makati City, Metro Manila · Private - [Tendo by Tonik](https://fintech.ph/listing/tendopay): Consumer credit and employee financial wellness by Tonik · Tendo (formerly TendoPay, now "Tendo by Tonik") is a Philippine consumer-credit and employee financial-wellness platform. Founded in 2018 and operated by Templetech Finance Corp., it offers 0% installment "buy now, pay later" purchases across 200+ partner merchants, plus emergency cash loans, salary advances, bill payments, automated savings, prepaid health insurance, and rewards. Acquired by Tonik Digital Bank in 2022, Tendo now partners with the BSP-licensed neobank — which funds its loans — to extend accessible digital credit and payroll-linked financial services to Filipino consumers and employers. · Buy Now Pay Later · Lending · Financial Inclusion · Founded 2018 · Pasig City, Philippines · Private - [Bizmoto](https://fintech.ph/listing/bizmoto): Start your micro-business now and earn using your cellphone. · Bizmoto is a Philippine digital-payments and agent-banking platform operated by Peppermint Bizmoto Inc., a BSP-licensed Electronic Money Issuer and subsidiary of ASX-listed Peppermint Innovation Limited. Its mobile app lets agents and consumers cash in and out, send money via InstaPay and PESONet, pay bills, buy e-load, run an e-commerce storefront (BizmoTinda) and delivery service (BizmoGo), and access app-based micro-lending (BizmoLoan). It targets unbanked and underbanked Filipinos, MSMEs and rural cooperatives. · Digital Wallet · Payments · Financial Inclusion · Founded 2016 · Metro Manila, Philippines · Private ## Financial Inclusion companies in the Philippines Services aimed at bringing unbanked populations into the financial system Browse financial inclusion companies with their licences, funding and links to their sites and developer docs. --- From fintech.ph, an independent directory of fintech companies in the Philippines, as of October 27, 2026. Please link to https://fintech.ph/category/financial-inclusion when citing this page.