Fintech Infrastructure

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.

2018 · Pasig City, Philippines · Growth

Payment infrastructure for Southeast Asia

Xendit is a Southeast Asian digital payments company founded in 2015. It provides payment infrastructure that lets businesses — from startups and SMEs to large enterprises — accept and send money across the region. In the Philippines it operates as Xendit Philippines, Inc., offering a payment gateway supporting 30+ local payment methods (cards, e-wallets, bank transfers, over-the-counter), plus payouts, payment links, subscriptions and marketplace tools. It became a unicorn in 2021 and has raised about US$538 million to date.

2015 · Bonifacio Global City, Taguig, Philippines · Growth

Open finance APIs for Southeast Asia

Brankas is a Southeast Asian open finance and banking-as-a-service company founded in 2016. It provides APIs that let banks, fintechs and businesses move money and access financial data — including online bank-debit payments (Direct), bulk disbursements (Disburse), merchant payment infrastructure, and an Open Finance Suite for account data, account opening and compliance. Brankas is ISO 27001 certified and PCI-DSS Level 1 compliant, and is a BSP-registered Operator of Payment System in the Philippines.

2016 · Singapore / Manila · Series B

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.

2021 · Singapore (with Philippine operations) · Seed

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.

2006 · Makati City, Philippines · Series A

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.

2019 · Cebu City, Philippines · Seed

Alternative credit scoring powered by telco data

FinScore is a Philippine alternative credit-scoring company that turns telco data into predictive credit scores, helping lenders assess thin-file and unbanked borrowers. Using 400+ telco variables (top-up patterns, data usage, SIM age) from Smart and Globe subscribers, it became the first to cover 100% of the country's mobile base. Founded in 2018 by Diana Krumova, it has delivered 15M+ alternative scores and supported over US$500M in loans. In August 2023 it was acquired by Malaysia's CTOS Digital, expanding its credit-decisioning, fraud-detection and analytics suite for banks and lenders.

2018 · Bonifacio Global City, Taguig · Private

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.

2015 · Mandaluyong, Metro Manila · Series B

V5 Philippines Corp. operates V5Pay, a cross-border payment gateway and merchant-acquiring platform serving businesses from SMEs to large enterprises. A BSP-registered Operator of Payment System (also registered as a remittance and transfer company and foreign-exchange provider), it processes payments, fund transfers and settlements across Southeast Asia and Latin America, supporting 200+ payment methods and multiple currencies.

2021 · Muntinlupa City, Metro Manila · Private

CRIF Philippines (CRIF D-B Philippines, Inc.) is a credit bureau accredited by the Credit Information Corporation (CIC) as a Special Accessing Entity. Formerly Dun & Bradstreet Philippines, it provides credit-bureau reports, retail and SME credit scoring, business-information reports and risk-analytics decision systems to banks, fintechs, microfinance lenders and insurers. It is part of global credit and risk-analytics group CRIF, headquartered in Bologna, Italy.

2013 · Bonifacio Global City, Taguig · Private

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.

2018 · Makati, Metro Manila · Seed

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.

2024 · Bonifacio Global City, Taguig · Pre-seed

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.

2024 · Ortigas Center, Pasig City · Private

First BIR-Accredited Tax Platform

JuanTax is a Philippine cloud-based tax-compliance platform that lets businesses, self-employed professionals, CPAs and bookkeepers prepare, file and pay BIR taxes online — covering VAT, percentage tax, withholding, income tax, books of accounts and financial reports. Launched in 2017 as the country's first BIR-accredited electronic tax software, it offers JuanTax Plus for practitioners and Fast File for individuals and SMEs, with direct online tax payment via cards, e-wallets and banks. It is operated by Ten Elleven Manila Inc., a BSP-registered Operator of Payment System ('1011 Pay').

2017 · Metro Manila, Philippines · Seed

VeritasPay (VeritasPay Philippines, Inc.) is a Pasig-based payments provider that lets merchants accept digital payments across one platform — in-store POS terminals, mobile devices, online checkout, payment links, and over-the-counter and online-banking channels. It supports credit, debit, prepaid, QR, and e-wallet payments, with direct settlement to any local bank account via PESONet and a centralized merchant dashboard (VeritasPay Hub) for real-time sales monitoring, reporting, and reconciliation. A BSP-registered Operator of Payment System, it serves SMEs and enterprises nationwide across Luzon, Visayas, and Mindanao.

2021 · Pasig City, Metro Manila · Private

Building the Future of Finance with Technology and Trust

Octopus Technologies Corporation is a Philippine enterprise fintech company that helps banks, insurers, and financial institutions modernize through software and APIs. Its solutions span integrated treasury, trust and wealth management, risk and compliance, foreign-exchange processing, digital lending and loan origination, insurance middleware, mobile security, and AI-driven, low-code digital transformation. Built on an API-first architecture, Octopus Technologies equips financial institutions to automate operations, strengthen governance, and serve customers more efficiently. Based in BGC, Taguig.

2024 · Taguig City, Philippines · Private

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.

2019 · Metro Manila, Philippines · Seed

MatchMo is a Filipino-owned digital mortgage brokerage operated by Snapp Ventures, Inc. Its proprietary algorithm matches homebuyers with home-loan packages across more than 20 partner banks and financial institutions, and lets borrowers compare offers and submit documents online for free, with partner banks paying MatchMo. It also provides loan-processing tools and a proptech platform for real-estate developers, with partners including Filinvest Land, Landco Pacific, and Pueblo de Oro. Founded in 2021, MatchMo raised a PHP 30 million seed round from Insignia Venture Partners and operates nationwide from Muntinlupa City.

2021 · Muntinlupa City, Metro Manila · Seed

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.

1982 · Makati, Metro Manila · Private

iPay88 Philippines is the local arm of iPay88, a leading Southeast Asian online payment gateway operating since 2006 and part of the NTT DATA Group since 2015. Incorporated in the Philippines in 2012 and BSP-registered as an Operator of Payment Systems, it lets merchants accept cards, e-wallets, and online-banking payments across web and mobile, serving e-commerce businesses nationwide with secure, integrated checkout.

2012 · Makati City, Metro Manila · Private

Breaking Barriers with AltPayNet

AltPayNet (AltPayNet Corp.) is a Philippine digital-payments technology provider offering white-label payment gateways, third-party payment processing, merchant acquiring, and fraud and risk-management solutions for businesses across the Philippines and Asia-Pacific. Founded in 2015, it is a BSP-registered Operator of Payment Systems and a principal-member acquirer for Diners Club International, Discover Global Network, and UnionPay International, with integrations including GCash and GrabPay. AltPayNet is PCI DSS Level 1 certified.

2015 · Makati City, Philippines · Private

Accelerating Filipino Fintech

Netbank (A Rural Bank), Inc. is a Philippine Banking-as-a-Service provider — a BSP-licensed, PDIC-insured rural bank that lets fintechs and businesses embed regulated banking into their products. Through modular APIs (Account-, Collect-, Disburse-, and Lend-as-a-Service), partners across payments, e-commerce, lending, HRIS, and vehicle financing can offer deposits, payments, and loans without holding their own banking licence. Founded in 2019 and launched in 2021, it bills itself as the first fully regulated Filipino bank built to power fintechs.

2019 · Manila, Philippines · Series B

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.

2014 · Makati, Philippines · Private

Enabling enablers to drive open finance and digital inclusion.

Traxion Pay is a BSP-supervised Electronic Money Issuer and payments platform built for Philippine businesses, cooperatives and institutions. Operated by Traxion Pay Inc. with tech sister-company Traxion Tech Inc. (founded 2015), it offers a fintech-as-a-service stack: a no-code payment gateway and API, QR Ph acceptance, e-wallet and Wallet-as-a-Service, bulk disbursement, bills payment, Phygital QR cards and QR-driven Cash Teller Machines. Traxion also provides the enterprise infrastructure behind partner wallets. Headquartered in Pasig City, with a Davao City office.

2015 · Pasig City, Metro Manila · Private

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.

2024 · Manila, Philippines · Seed

Payborit is a Philippine payment-gateway and disbursement platform operated by DigitalPH Asia Corporation (DigiPH), a Makati-based fintech registered with the Bangko Sentral ng Pilipinas as an Operator of Payment Systems. Through its Payborit Business app and web platform, it lets merchants and businesses accept online payments and disburse funds digitally, with features including online payment acceptance, withdrawals, transaction tracking, static QR generation, and staff and branch management.

2021 · Makati City, Metro Manila · Private

Empower Your Business with InsurTech

Surely, operated by Rainbow Fintech Corporation, is a Philippine insurtech running an Insurance-as-a-Service platform. Its core product, the Surely Hub, is an API layer that lets banks, merchants, retailers and travel partners embed insurance into their digital channels, connecting them to licensed insurer partners. Capabilities include eKYC authentication, partner and merchant interfaces, payments and settlements, and data analytics. In May 2025 it launched the TravelSmart Marketplace with Malayan Insurance and PhilInsure, offering visa-compliant international travel medical insurance integrated with VFS Global visa services.

2023 · Metro Manila, Philippines · Private

Kredit Hero is an AI-powered SME loan marketplace that connects Philippine businesses with the right lender through a single application. Rather than lending directly, it matches borrowers to a network of 40+ banks, financing companies, and lenders, using AI to screen documents and pair each business with suitable working-capital, credit-line, equipment, and Sangla OR/CR financing options ranging from about PHP 300,000 to over PHP 100 million. Founded in 2024 and based in BGC, Taguig, Kredit Hero streamlines business borrowing so owners can compare and access financing faster.

2024 · Taguig City, Philippines · Pre-seed

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.

2016 · Taguig City, Metro Manila · Seed

The Digital Clearing House for high-growth markets

Meridian is a cross-border payments infrastructure company that issues U.S. bank account numbers and runs a Real-Time Deposits network, letting Filipinos receive U.S. payroll, ACH, and wire payments in USD and settle to local accounts. Its rails power consumer-facing services through partners rather than a standalone app: it underpins RCBC Pulz's U.S. virtual accounts (launched September 2025) and the GCash Virtual US Account (launched December 2025), enabling freelancers and OFWs to receive dollars and convert to peso. Founded in 2023, Meridian is registered with the BSP as an Operator of Payment System.

2023 · Makati City, Metro Manila · Seed