Pitch

ACEGO is a game publishers aggregator which helps to enable them from Web 2.0 to Web 3.0 for elevated user experiences. ACEGO uses Slash as the Web3.0 payment gateway for Web3.0 assets. Slash is a decentralized payment protocol where Slash Payments (slash.fi) is a non-custodial and on-chain decentralized payment protocol, that enables merchants to immediately accept any ERC20 token as payment without worrying about the volatility and token management risks.

Problem

Fragmentation of Game Assets: The gaming industry has seen exponential growth in the number of games, each with its unique in-game assets. These assets range from virtual items, skins, characters, to even in-game currencies. The sheer volume and diversity of these assets can be overwhelming for players and collectors.

Lack of Interoperability: Game assets are often siloed within specific game ecosystems, making it challenging for users to utilize their assets across different games or platforms. This lack of interoperability limits the value and utility of these assets.

Trust and Scams: Trading and selling game assets can be risky, as players are often unsure of the authenticity and fairness of transactions. Scams, fraud, and counterfeit assets are common issues in the secondary market for game assets.

Incentivization: While there are rewards in games, there is no proper way for gamers to convert them to real-world currency for spending legally.

Opportunity

Aggregation and Accessibility: Acego has the potential to centralize and aggregate assets from various games and platforms. This simplifies asset management and makes it easier for players to access and utilize their virtual possessions.

Interoperability: Acego can enable cross-game or cross-platform interoperability, allowing users to use their assets in different games or even outside the gaming world. This opens up new possibilities for players and collectors.

Secondary Markets: Acego can create secure secondary markets where players can buy, sell, and trade assets with confidence. Smart contracts and blockchain technology can ensure transparency and authenticity.

Monetization: Players can monetize their in-game assets by participating in these secondary markets. This provides an opportunity for gamers to earn real-world value from their virtual possessions.

Ownership and Digital Rights: Acego can facilitate the concept of true ownership, where players have control over their assets and digital rights. This aligns with the principles of blockchain technology and non-fungible tokens (NFTs).

Community and Social Features: Acego can create communities and social features around game assets. Players can connect, discuss, and share their collections with others who share similar interests.

Collaborations and Crossovers: Acego can encourage collaborations and crossovers between different games, potentially creating unique and exciting experiences for players.

Pitch

ADVANCE.AI is Southeast Asia's leading provider of digital identity verification, KYC/KYB, AML, compliance, and risk management solutions. Headquartered in Singapore, it currently partners 500+ enterprise clients across banking, financial services, fintech, payment, retail and e-commerce sectors.

Problem/Opportunity and Solution/Product

ADVANCE.AI specializes in providing AI-powered solutions for digital identity verification, credit scoring, fraud detection, and other fintech solutions that help organisations meet regulatory compliance.

ADVANCE.AI's digital identity verification solution uses components including but not limited to ID Document Verification, Liveness Detection, Face Comparison, and biometric anti-fraud technologies, to verify the identity of individuals applying for financial products or services. This helps businesses prevent identity fraud and ensures compliance with regulations.

ADVANCE.AI’s One-Stop Platform is an end-to-end orchestration platform that helps businesses fulfil KYC and AML obligations, in a low-code/no-code environment, while maintaining compliance with regulations.

Pitch

Aspire is the all-in-one finance software for new-age businesses. The company serves over 15,000 startups and SMBs in Southeast Asia, helping them save time and money with multi-currency accounts and cards, expense management, payable management, and receivable management solutions - all in one account.

Headquartered in Singapore, Aspire has over 400 employees across four countries and is backed by global top-tier VCs, including Sequoia, Lightspeed, and Y-Combinator.

Problem/Opportunity and Solution/Product

There are 70 million micro-, small- and medium-sized enterprises (SMEs) in Southeast Asia. On average, they use seven different providers for banking, accounting, and other financial services. This creates manual work and lag in their payment and paper flows, increasing inefficiency, risk of human error, and poor data as they scale.

With an end-to-end ecosystem of automated products, we help CFOs and business leaders from companies like LoveBonito, Multiplier, AirAsia, Carousell and Endowus transform their finance functions by unlocking growth through enhanced productivity and real-time visibility over spend.

Pitch

Credit Engine is a SaaS products provider, providing our financial sector clients with services covering online lending to debt collecting with our data-driven technology. Founded in 2016 with the start of the online lending service "LENDY", we are currently operating from Japan and Southeast Asia, with our head office in Tokyo and APAC office in Singapore. Our mission is to develop SaaS lending solutions that deliver a seamless, stress-free lending and collecting experience to our customers, bringing them more effective business operations and higher customer engagements and bringing the lending and collection business to the next level.

Problem/Opportunity and Solution/Product

CE Collection

Bring Your Debt Collection to the Next Level. Improve your productivity and debtor experience with Credit Engine’s automated calls and messaging. We optimize our platform with our technology for all stages in the collecting cycle, boosting collecting efficiency and empowering the consumers.

CE Loan

Develop Your Own Online Lending Service. Construct your entire online lending process with Credit Engine. Covering the entire Online Lending Process from loan origination, loan management to repayment. White-label solution for your end users and manage your entire online lending process with our back office system, customizable with over 200 settings.

Cyberbeat is a leading solutions service provider of AI-powered real-time Digital Trust Payments and Authentication platform.

Banks, Fintechs, online merchants/aggregators using Cyberbeat’s technology empower confidence in consumers to liberally use their cards online, worry-free, lowering Cart abandonment rates, increasing issuer authorization rates, minimizing card compromise fraud and drastically reducing dispute handling. Cyberbeat’s solution embedded with AI algorithms unique to each user and device provides dynamic real-time tokenization for digital payments and customer digital credential protection from phishing, fraud and account take- over through dynamic passwords for logins and MFA OTPs.

Problem/Opportunity and Solution/Product

E-commerce stores lose around $18 billion in annual sales revenue because of cart abandonment, not proceeding to checkout, due to shoppers' doubt and lack of trust in online store sites to provide their debit/credit card information. Banks, FI’s and Fintechs are experiencing increased socially engineered and AI-enhanced phishing scams, account takeover and card compromise fraud even though they have deployed Password protection policies, multi-factor

authentication and card tokenization. The fraud incidences have not decreased.

Customers seek frictionless fraud-free online digital experience, however, there is still a prevailing doubt (lack of trust) with current mechanisms in place which are not seamless to consumers, which distract, frustrate and cause them to be cautious and minimize usage of service providers digital products.

Cyberbeat vision is to make its digital trust payment platform available industry wide for a seamless, scam-proof online payment, login, MFA experience for users, consumers and organizations.

Cyberbeat’s VkenPay© enables cardholders to pay without revealing their actual card number to e-commerce site and for card-not-present purchases for single or recurring payments. VkenPay© App generates real-time payment tokens and doesn’t store any cardholder credentials nor require online connections. Card acceptance without changes to existing payment acquiring rails. VkenPay© SaaS Server decodes the payment token for Card Issuer to proceed with authorization. VkenPay© provides positive cardholder identification to the issuer.

VkenCredence© suite of Digital Trust Services enables organizations to protect their users and customers from scammers, bots, fake profiles, social engineering and bad actors compromising organization's online digital applications, creating a safer experience for both the user and organization’s digital offerings. User information is not stored in Cyberbeat’s apps. VkenSign-in© real-time Dynamic password makes it possible for organization’s users to remember complicated passwords while ensuring 100% compliance with the latest password policy. The organization’s sites, portals, applications are protected even if its users were tricked or hacked into revealing credentials. Unique passwords per user per usage are not reusable. Forgotten password lockout will be drastically reduced. Vken2FA©- dynamic app-based MFA OTP enables your customers to generate real-time OTP for 2FA/MFA without a data network or SMS. Renders OTP sharing or social scams ineffective for fraud attempts. Every user action to access is positively identified and disputes are resolved immediately.

Pitch

Cynopsis Solutions provides end-to-end AML/KYC compliance solutions including Digital Onboarding, Screening, Risk Assessment and Transaction Monitoring. We combine deep regulatory knowledge with the effective use of the latest technology such as AI and data analytics to offer comprehensive yet cost-effective solutions that empower clients to better meet regulatory compliance.

Problem/Opportunity and Solution/Product

Cynopsis Solutions understands the global challenge of adapting to the ever-evolving AML/KYC regulatory landscape. Our thoughtfully designed product suite provides clients with optimal solutions, simplifying AML/KYC screening, customer onboarding, and transaction monitoring through automation and digitisation. This streamlines the path to compliance excellence.

Cynopsis Solutions offers the following RegTech solutions:

1. Artemis – Compliant with FATF international standards, this award-winning tool offers comprehensive automation for seamless AML/KYC compliance. Featuring a fully configurable workflow with segregation of duties, Artemis covers vital components of a robust AML/KYC framework, including risk assessment, record keeping, screening, and ongoing due diligence.
2. Athena – Leveraging advanced tech like AI and data analytics, Athena provides clients with real-time transaction monitoring, enabling a risk-based approach to screening and detecting suspicious transactions.
3. Ares – A user-friendly onboarding platform ensures secure verification and onboarding of individual and corporate customers. With a digital and frictionless experience, Ares operates seamlessly, allowing businesses to verify and onboard customers securely, anytime, and anywhere.

Because we handle and process sensitive personal identifiable information, we prioritise data privacy controls and information security practices. Cynopsis Solutions is ISO27001 certified and PDPA/GDPR compliant.

Digital Banking, BaaS, Digital Transformation, Financial Inclusion

Large banks have been able to use big budgets, large teams and tech resources to create Digital Banking Apps for their customers.

However, small and medium banks (regional banks, rural banks, NBFCs, cooperative banks, MFIs) do not have such big budgets, teams or resources to provide Digital Banking Apps to their customers.

If small and medium banks do not provide Digital Banking Apps to their customers, they will go to large banks and then it becomes a case of survival for smaller banks.

DigiCal has come up with Asia’s first white label Digital Banking solutions for the small and medium banks using APIs. These include Mobile App, Web App with a fully integrated Core Banking system for such banks. This way, each bank can just add their logo and name on these ready Apps and launch Digital Banking for their customers in 3-4 months.

In addition, the same Digital Banking solutions are offered on private cloud for a group of banks - BaaS or ‘Banking-as-a-service’.

Products and Services

DigiCal provides 4 solutions for Digital Bank Transformation:

1. A complete end-to-end Digital Banking Platform - SimBaS
   A ready to launch Digital Banking solution for small and medium banks
2. Digital Banking-as-a-Service or digibank-as-a-service
   We provide 24x7x365 operations for a group of banks who want to offer Digital Banking to their customers
3. Digital Transformation & FinTech Consultancy in the following areas:
   Digital Onboarding with eKYC and Biometrics, AML/Recon, Mobile Banking, Web Banking, Core Banking, Cybersecurity, Domestic and International Payments
4. Financial Inclusion
   Our Digital Banking Solutions are designed for small and medium banks to cater to their customers in remote and rural areas thus helping promote Financial and Economic Inclusion

Pitch

Dobin is a cutting-edge financial platform that harnesses the power of open finance and AI to help consumers in Southeast Asia take control of their finances and reach a better financial outcome. Dobin enables consumers to leverage their financial data to prove their value to financial institutions and merchants in exchange for attractive deals, tailored product recommendations, and access to credit.

Problem/Opportunity and Solution/Product

In Southeast Asia, a staggering 280 million banked customers grapple with the challenge of effectively managing their finances. As they increasingly adopt more means of storing and spending their money (e.g. credit cards and pay wallets), their financial data becomes dispersed across many institutions. This fragmentation renders it nearly impossible to track their finances and often results in the offers and products they receive being irrelevant to their needs.

Furthermore, a substantial 175 million of these customers are also unable to access credit due to their lack of or limited borrowing history.

Dobin is an AI-powered app that allows users to track and understand their consolidated finances. It also enables them to prove their purchase power to merchants (to get personalized discounts), their profitability to banks (to get credit card offers), and their creditworthiness to lenders (to be approved for loans).

Pitch

eBaoTech is a global leading technology provider for the global insurance industry. Our mission from starting in the year 2000 has been and remains to be “make insurance easy”. Through hard work and full commitment to customer success, eBaoTech has built a strong client base in more than 40 countries/markets, covering general (P&C), life, and health insurance. Furthermore, eBaoTech’s intense and persistent focus on addressing the fundamental pain points of insurance technologies through deep-tech innovation has yielded significant differentiation in the global marketplace. For more information, please visit the company website at www.eBaoTech.com and the PaaS enablement site at www.InsureMO.com

InsureMO is a globally recognized insurance middleware platform, dedicated to revolutionizing the digital landscape of the insurance ecosystem. Serving a diverse range of stakeholders, including insurance carriers, InsurTech companies, and independent software vendors, the platform is pivotal in modernizing and streamlining insurance operations on a global scale.

Highlighting its impressive capabilities, InsureMO manages a colossal 1.2 Billion API calls daily. It has efficiently processed 65 Million policies within a 24-hour span and overseen an annual gross written premium (GWP) exceeding US$20B. Furthermore, it supports over 300 insurance carriers worldwide, offering an expansive suite of over 3,000 product SKUs, 5,000 channels, and 4,000 APIs. These metrics underscore InsureMO's vast reach, capacity, and commitment to excellence in the insurance domain.

Problem/Opportunity and Solution/Product

Enhancing Profitability with InsureMO: Boosting Revenue and Reducing Costs

1. Accelerate product experimentation and launch with 3000+ ready-to-use products across all insurance lines, hence reducing time to market
2. Leverage our global experience of scaling insurance programs with a database of successful affinity products
3. Opt for our revenue-sharing model, providing a cost-effective solution to business expansion

Pitch

Experian is the world’s leading global information services company. During life’s big moments – from buying a home or a car, to sending a child to college, to growing a business by connecting with new customers – we empower consumers and our clients to manage their data with confidence. We help individuals to take financial control and access financial services, businesses to make smarter decisions and thrive, lenders to lend more responsibly, and organisations to prevent identity fraud and crime.

We have 22,000 people operating across 32 countries and every day we’re investing in new technologies, talented people, and innovation to help all our clients maximise every opportunity. With corporate headquarters in Dublin, Ireland, we are listed on the London Stock Exchange (EXPN) and are a constituent of the FTSE 100 Index.

Problem/Opportunity and Solution/Product

Our world is built on data. It’s all around us, growing in power and influence every day. We work to turn that data into something meaningful. We gather, analyse, combine and process it to help people and organisations achieve their goals – whether that means planning for a secure future or getting to know your customers better. We believe data has the power to change lives. By helping people and organisations make the most of their data, we can make a positive difference to our society and communities.

Propositions in Singapore

1. Credit & Business Information Services
   1. Experian Non-Bank Bureau
   2. Business Information – Customer Acquisition, Lead Generation, Local Reports, Portfolio Monitoring, SME Network Score
   3. Consumer Information – Customer Acquisition, Local Reports, Portfolio Monitoring, Alternative Consumer Grade, Know Your Customer (KYC)
2. Bureau Analytics
3. Buy-Now, Pay-Later Credit Bureau

Pitch

Headquarters (HQ.xyz) provides end-to-end solutions for Web3 back offices. Our white-glove services help automate and streamline your crypto operations, saving you from countless hours of tedious, manual entries.

HQ.xyz recently announced a partnership with dtcpay to bring seamless digital payments to The Mandala Club, and to offer crypto settlement and accounting of crypto payments.

Problem/Opportunity and Solution/Product

The HQ Concierge tool provides a comprehensive, end-to-end solution that helps Web3 teams scale. HQ provides solutions for all stages of a company’s life cycle, including incorporation, monthly operations, and audits.

Our flagship product, the HQ dashboard, saves your back office countless hours every month by automating their financial activities and reporting with Xero and Quickbooks integration.

Pitch

HM is a boutique management consulting firm based in Singapore, focusing on 3 core capabilities:

1. Strategy
2. Compliance & Regulatory Advisory
3. In-house Counsel Services

HM has a long-standing partnership with Braithwate, a UK-based specialist advisory firm for financial services, collaborating to help fintech firms expand internationally and get licensed and establish operations in the UK, European, Asian and US markets.

Building on our expertise and compliance knowledge, together we have developed FintechXpndr – an innovative solution that helps fintech firms with their expansion plans by achieving successful authorisation and accelerating their time-to-market.

Problem/Opportunity and Solution/Product

Singapore and UK are leading global fintech hubs.

HM and Braithwate recognize immense opportunities for international expansion in both markets and seek to help fintech firms overcome the challenges in expanding to a new jurisdiction, which is a time-consuming and laborious process, often taking firms between 18-24 months.

Our innovative solution – FintechXpndr – leverages AI and automation to provide a seamlessly integrated workflow of 10 modules in a single interface that enables fintech firms in Singapore or UK to successfully expand and operate in the other jurisdiction. Our key value proposition is a one-stop-shop service with significant reduction of effort and time of the authorisation and expansion down to 6-9 months.

Pitch

Horangi’s integrated cybersecurity platform is built to comprehensively secure organizations of all sizes with enterprise-grade technology in the cloud. Get unparalleled visibility of security posture with direct integration to Horangi’s Cyber Operations team ready to deploy globally. Horangi has been recently acquired by Bitdefender.

Problem/Opportunity and Solution/Product

Reduce the time-to-market for modernizing your infrastructure by automating the discovery of misconfiguration in the cloud. Increase confidence to pave way for multi-cloud digital transformation through clear reporting & elimination of data security risks.

Build cyber resilience with next-gen solutions such as managed detection and cybersecurity consulting and SaaS based cloud security platform. Build cyber resilience for multi and hybrid cloud environments. Defend against advanced threats with CREST-accredited advisory and assessment services that keep you compliant with recognized frameworks such as NIST and ISO 27001.

At Horangi, we have the privilege of guiding Asia's industry leaders through their cybersecurity journey.

Pitch

IC SG Pte Ltd (InvestaX) is the leading Tokenization SaaS platform for real-world assets, providing a one-stop shop for tokenization, including the issuance, trading, custody, and an AMM as a liquidity solution purpose-built for security tokens. InvestaX holds a Capital Markets Services to deal in securities and a Recognized Market Operator license issued by the Monetary Authority of Singapore. InvestaX has also integrated IX Swap, the world’s first Automated Market Maker (AMM) for security tokens. IX Swap allows anyone holding a security token to start their own liquidity pool and crowdsource liquidity compliantly at a very low cost, solving the biggest problem in the industry.

Both InvestaX and IX Swap are early pioneers in the use of blockchain technologies to develop key infrastructure connecting traditional finance (TradFi) and decentralized finance (DeFi), moving companies and converting assets from analogue to digital.

Problem/Opportunity and Solution/Product

InvestaX Tokenization SaaS platform is breaking down barriers in finance. InvestaX empowers both asset owners/issuers and investors alike by using tokenization to enable fractional ownership of a diverse range of assets, and transforming RWAs into functional investment opportunities, and developing leading technology-driven investment vehicles and products to reduce costs, increasing efficiencies and transparency, removing friction, and facilitate secondary trading in private markets.

Pitch

SolveCube is an integrated People strategy and solution on an AI platform.

It is a one-stop:

1. Integrated AI talent marketplace It is a talent supply chain partner to hire experienced and mature talent for full-time or part-time roles on short-term, Interim, permanent or turnkey basis.
2. Diagnostic online tools to assess the people practice maturity and impact on business
3. Advisory service for all else that needs the human face of a domain expert

Problem

SolveCube is the solution to acquire talent capability quickly and solve the problem of:

1. Solving Business Critical problems cost-effectively: Mature experts critical for business growth but expensive to employ full-time are made available how where and when you need them.
2. Aggregating a dispersed Talent Market: Using AI to aggregate and make accessible Mature experienced talent working independently in the gig economy
3. Fragmented Sourcing: Bringing together Recruitment of Short-term, part-time permanent roles and turnkey assignments on a single platform
4. Retain Control in a Dominated Market: We put control back in your hands and away from a market dominated by large, expensive headhunting and consulting firms.
   1. Control Recruitment process: Get on or off the process where you want Sourcing, searching, indexing stakeholder management and selection
   2. Control Cost: Build a blended workforce, and pay for talent resources for part-time, short-term, or permanent roles only when you need them.
   3. Form Ninja teams: Gather a team of experts from various domains to work on turnkey projects.

Solution & Product

SolveCube is an AI talent marketplace platform that dynamically aggregates talent with speed, accuracy and cost-efficiency, blended with domain expertise for veracity.

SolveCube delivers:

1. Recruiters on Demand (RoD): 2000+ ROD available as dedicated capacity to work as Talent Acquisition experts for clients. A fixed monthly fee + a small success fee applies... Companies have saved >50% on Talent acquisition costs with this product.
2. Short-term Experts: 20,000 + experts at mid and senior levels across APAC and GCC for short-term and interim assignments. These include CXOs, and domains like HR, Banking, Finance, Risk, Process Engineering, Project management and IT
3. Talent Supply Chain Partnership: CXOs and full ninja teams on permanent, short-term, full time or turnkey assignments in 14+ domains without geographical constraints.
4. Permanent Role Hiring: Instant access to 480 M+ profiles. A powerful matching engine generates a shortlist in 5 minutes. Curated by our RMs the client receives a final 3 profile shortlist within 72 hours
5. Growth Partners: Influential, well-networked industry leaders willing to open doors and markets.
6. Referral Partner program for solopreneurs & small firms: Refer a client to Solvecube and earn a fee.
7. Self-help Diagnostic tools for effective People strategy: Ready to use HR tools and Toolkits and organization diagnosis tools

Solvecube's clients include marquee names from the Consulting, advisory, finance, aviation, food tech, and manufacturing industries, cutting across stages of growth and expansion - from growing and expanding businesses to established companies.

Pitch

When data flows seamlessly across all sources, it enables better decisions. We deliver high-performance, cloud-first platforms that make data clean, accessible, and ready for action. Recognised by Gartner, Forrester and other analyst firms for our ability to support companies ready to scale and grow. With a deep focus on Banking and FinTech, we operate in Singapore, Malaysia, Indonesia and Thailand.

Problem/Opportunity and Solution/Product

In a recent analyst report, Gartner1 states that the enterprise data fabric “is the future of data management”.

By allowing existing legacy applications and data to remain in place, smart data fabrics enable organizations to maximize the value from their previous technology investments, including existing data lakes and data warehouses, without having to “rip-and-replace” any of their existing technology.

InterSystems IRIS® makes it easier to build high-performance, machine learning-enabled applications that connect data and application silos.

Pitch

Jasper Vault is revolutionizing the financial technology landscape with two cutting-edge products, both leveraging the power of Account Abstraction (ERC-4337) technology.

Our first innovation is a vault-to-vault virtual asset advisory platform. This platform empowers investors with self-hosted wallets to effortlessly 'mirror' and 'follow' portfolio strategies published on an investment strategy marketplace. By doing so, it democratizes access to sophisticated investment strategies and allows for greater financial inclusion.

Our second product is a peer-to-peer collateral loan platform that incorporates a peer-to-pool liquidity solution. This platform enables institutional clients to lend through self-hosted wallets, be it their Multi-Party Computation (MPC) wallet or Metamask. This provides a seamless, secure, and efficient lending process, bridging the gap between traditional finance and the world of decentralized finance.

Together, these products position Jasper Vault at the forefront of the fintech industry, leveraging blockchain technology to create innovative solutions that cater to the evolving needs of both individual and institutional clients.

Problem/Opportunity and Solution/Product

Our first offering is a vault-to-vault virtual asset advisory platform. This innovative platform offers:

1. Access to an investment strategy marketplace where clients can browse through a variety of cryptocurrency indexes and portfolio strategies, including those researched and designed by Jasper Vault's dedicated advisory team.
2. The ability for investors to 'mirror' these indexes and strategies with their self-hosted wallets, simplifies portfolio management.
3. For qualified institutional investors, the opportunity to both 'mirror' and 'follow' these indexes and strategies with their self-hosted wallets, after a thorough KYC/AML process.
4. A comprehensive investment advisory and portfolio construction solution that prioritizes investor protection.

Our second product is the Jasper Lending platform, a peer-to-peer collateral loans platform offering:

1. Long-only funds with the opportunity to borrow up to 95% Loan-to-Value (LTV) to hedge their downside risk.
2. Bullish traders have the ability to borrow digital assets by paying only a fractional deposit, providing increased leverage.
3. Hedge funds have the option to lend USDC with a yield equivalent to selling 95% Out of The Money (OTM) put options, creating a new source of income.
4. Miners have the opportunity to lend Bitcoin at a higher premium than their scheduled sell price, maximizing their return.

Pitch

Jewel Paymentech is a financial risk technology company specialising in merchant due diligence and fraud and risk management solutions.

Our suite of intelligent solutions helps banks and payment facilitators conduct merchant due diligence and manage transaction fraud risks using predictive analytics.

We also offer automated solutions to large merchants such as marketplaces, to identify illegal and counterfeit goods as part of their KYC process.

Started in Singapore in 2014, today our footprint extends to Malaysia and Hong Kong, as part of our focus on Asia. We currently provide intelligent analytics and risk management solutions to Southeast Asia’s largest banks as well as Singapore’s leading domestic payment network.

Problem/Opportunity and Solution/Product

Explore our portfolio of Know Your Business solutions, including:

1. Digitisation of your business onboarding via Capture™, which can reduce processing time from days down to minutes.
2. Actively keep watch on merchants for high-risk activities via One Sentry™ to reduce business risk during merchant onboarding
3. Bring patented deep learning AI to fraud detection via Fraudwall™ to mitigate payments risk.

Pitch

Legatus Global is a MAS Payment Services Act Exempt Status Payments Services provider branded as Leap Pay. The Leap Pay wallet is a multi-functional wallet co-developed with ICP Hub on the ICP (Internet Computer Protocol) Protocol. The wallet aims to be the payment gateway for regulated and legal off-ramp and on-ramp solutions for digital assets within the ICP Hub Community where ICP.Hub Singapore is a Community Aggregator Hub funded by the Dfinity Foundation, a Swiss Non-Profit Foundation which is the creator and maintainer of the Internet Computer (internetcomputer.org) Protocol.

The Leap Pay Wallet is enabled for making payments using both fiat sources as well as digital currencies like stablecoins. This is also being used as a channel for helping make borderless yet fully regulatory-compliant payments globally. Leap Pay Wallet will be deployed in various Legatus Group entities around the world including Hong Kong, France, UK, Japan and eventually the US.

Problem

Digital wallets have become increasingly popular for managing and storing various forms of value, from traditional currencies to cryptocurrencies. However, there are several challenges associated with digital wallets for global use:

Fragmentation: There is a lack of interoperability and standardization among digital wallets, leading to fragmentation in the market. Different regions and providers have their own proprietary systems, making it challenging for users to access a wide range of services seamlessly. As such Leap Pay will make a simple easy-to-use interface to facilitate the simple tasks of making payments with ease.

Access Barriers: In many parts of the world, a significant portion of the population remains unbanked or underbanked. Leap Pay wallet could bridge this gap, but access to these wallets remains limited due to factors such as smartphone penetration and internet connectivity, thru the power of decentralisation of ICP Protocol, where nodes can be easily contained for low internet connectivity regions.

Security Concerns: As digital wallets store both financial and personal information, they are vulnerable to cyberattacks and data breaches. Security is a top concern for users and regulators. This is why Leap Pay wallet is developed on the decentralised blockchain with the ICP Protocol, which has shown robustness and resilience in the network.

Opportunity

While there are challenges, digital wallets also present significant opportunities for global use:

Financial Inclusion: Leap Pay Wallet have the potential to bring financial services to unbanked and underbanked populations, helping them access banking, payments, and remittance services.

Efficiency: Leap Pay Wallet offers a more efficient and cost-effective way to manage and transfer funds globally, reducing the reliance on traditional banks and financial intermediaries. The wallet has direct access to global top liquidity providers.

Cross-Border Payments: Leap Pay Wallets can facilitate cross-border transactions and remittances, making it easier and more affordable for people to send and receive money internationally. This uses a differently but securely monitored rail.

Cryptocurrency Integration: The integration of cryptocurrencies into Leap Pay Wallet offers a unique opportunity. This allows users to access the benefits of cryptocurrencies, including decentralization, security, and global reach.

Leap Pay Wallet with crypto off-ramp and on-ramp functions have the potential to revolutionize global finance. They can bridge the gap between traditional financial systems and the emerging world of cryptocurrencies, making financial services more accessible, efficient, and secure for a global audience. This is enhanced by the ICP protocol where the Internet Computer seeks to decentralised front ends, decentralised the entire blockchain stack, making access easier and cheaper and ability to create sovereign clouds for corporations.

Pitch

heymax.ai is building personal finance automation. For consumers, our platform provides information on every merchant that accepts credit cards globally, and intelligently recommends the best way to pay for maximised miles and rebate earnings for every single transaction. For merchants, heymax.ai is a highly efficient performance marketing solution, which targets relevant consumers at moments of highest purchase intent. For financial institutions, heymax.ai’s unique dataset of consumer financial products and spending patterns offers a more efficient way to acquire new customers.

heymax.ai launched in May 2023, has 25k monthly active users with an average of 6 credit cards per user and is growing 50% MoM.

Problem/Opportunity and Solution/Product

Currently, credit card rewards come with a whole myriad of rules and restrictions, with 10-page-long terms and conditions that consumers struggle to understand.

heymax.ai simplifies and automates the decision-making process of a user by extracting key information from credit card terms and conditions using AI, and matching them to our global database of merchants. This allows us to intelligently recommend the best way to pay for maximised miles and rebate earnings for every single transaction.

In addition, heymax.ai partners with merchants to reward users with Max Miles on top of their credit card rewards when users shop via Max at our partner merchants. For our high spending and travel-loving user base, this offers greater value compared to traditional cashback apps. For our merchant partners, this offers a highly effective performance marketing solution to capture the top spending segment of consumers, leveraging our data on users’ spending patterns to target the most relevant consumers at moments of highest purchase intent.

Pitch

MineSec is a trusted white-label SoftPOS solutions partner, dedicated to transforming payment experiences. Our goal is to connect sellers and buyers directly, eliminating intermediaries, and making payments simple, secure, and accessible. We take pride in serving a diverse global clientele attesting to our commitment and reliability.

Problem/Opportunity and Solution/Product

MineSec’s end-to-end SoftPOS solutions are designed to streamline innovation and expedite time-to-market. We offer full branding control, allowing businesses to maintain their unique identity while benefitting from our expertise and comprehensive support. With MineSec, our customers can enjoy seamless scalability, capitalize swiftly on emerging opportunities, and stay ahead in the competitive and dynamic payments landscape.

Pitch

NORDEK is one of the better-known payment and gaming solutions protocols. We provide the infrastructure to build on our layer 2 blockchain with a proven track record of 5 sec fast transactions, 99 % less carbon footprint, and zero gas fees.

NORDEK also boasts a sustainability fund - NORDEK GREEN. This fund is dedicated to Corporate Social Responsibility (CSR) initiatives and aims to create a lasting impact on the environment and society, contributing to a better future by 2030.

The Nordek platform consists of three main components:

1. This EVM-compatible public blockchain serves as the decentralized, permissionless backbone of the Nordek platform and ecosystem.
2. The mobile-centric open-source technology stack: Designed to assist businesses and developers in integrating crypto payments into real-world use cases, this toolkit has been incorporated into the new API platform.
3. A set of reference decentralized finance (DeFi) products and tools: These products and tools aim to pave the way for the initial adoption of the platform.

Problem/Opportunity and Solution/Product

The global financial system falls short of providing fast, frictionless payments and attractive financial services, especially in developing countries. Limited access to basic banking services and unstable fiat currencies hinder opportunities. However, widespread mobile phone adoption, even in impoverished nations, presents a significant opportunity. The emergence of blockchain technology and cryptocurrencies allows for permissionless transactions with stable currencies.

Layer 2 blockchains like NORDEK promise enhanced throughput and lower fees, none are designed explicitly for crypto gaming, creating a market opportunity for Layer 2 solutions that cater to this demand.

While NORDEK blockchain utilizes Solidity for a Turing-complete development environment, its primary emphasis is on providing easy-to-use features for fintech, games, and metaverse projects.

NORDEK chain primary features include:

1. Fast throughput and low fees to support gaming
2. EVM compatibility, Solidity development environment
3. NFT development and built-in templates
4. Partnerships with worldwide developers focused on node network
5. Solutions and support hub for game deployment
6. Blockchain funding ecosystems
7. Game deployment modules for sharing of game templates
8. Interoperability

NORDEK has an ecosystem of products to foster a lightspeed ecosystem of web3 payment & gaming solutions which includes the crypto debit card - NORPAY, a swapping mechanism called NORSWAP, a digital reward platform - NORFLIX, a bridge, wallet and many web3 payments and gaming projects building on top of us.

Pitch

An award-winning FinTech that provides Portfolio Management & Analytics System incorporating proven Investment Data Warehouse, interactive portfolio analytics dashboard and revolutionary Portfolio AI Copilot powered by Generative AI to fund management companies, external asset managers, multi-family offices and private banks. The solution empowers business expansion without increasing team size, enhances customer experience and drives operational efficiency. It has been adopted by reputable fund management companies and multi-family offices in Singapore.

Problem/Opportunity and Solution/Product

The scalable Investment Data Warehouse supports centralized data management, advanced analytics and intuitive dashboards. With the high-performance interactive dashboard, fund Managers can gain valuable insights into absolute returns analysis, performance & risk metrics, portfolio allocation, comparison against benchmarks and maintain their fund track record. The solution also provides portfolio aggregation, supporting investment advisory business.

A cutting-edge Portfolio AI Copilot (PAT) powered by Generative AI allows portfolio managers to make queries in natural language and receive personalized portfolio analysis incorporating relevant new events. Static standard client statements will be a thing of the past.

Pitch

UNIQGIFT offers programmable money solutions for food (meal vouchers), incentives (gift cards, employee engagement), assistance (cost of living support) and mobility (transport vouchers).

UNIQGIFT powers the programs of leading organisations like OCBC, UOB, Singlife, HDB, NTUC Care Fund and CDAC.

Our vouchers are accepted at merchants such as FairPrice, Guardian, Best Denki, Grab, Toast Box and more.

Problem/Opportunity and Solution/Product

UNIQGIFT-issued e-money enables businesses and government bodies to control:

1. Where the money can be used at
2. Whom can it be used by
3. When does it have to be used by
4. What can it be used for
5. How can it be used

UNIQGIFT (Option Gift Pte Ltd) holds a Major Payment Institution Licence, the funds are safeguarded on a trust account.

Problem/Opportunity

Traditional invoice financing is burdened with intensive labour to perform fraudulent checks (per invoice). Random checks or slipshod checks due to past familiarity or complacency have resulted in high-profile frauds such as the recent forgery case in the oil industry. The invoice financing fraud event caused the lenders to write off $110 million.

Solution/Product

Pilon’s platform significantly reduces that possibility with its unique feature that provides a source of truth and diversification to financial institutes.

Using a digital approach that provides data transparency to financial institutions allows them to process and fund invoices in large volumes confidently and efficiently.

Financial institutions in Southeast Asia integrate with Pilon's software with ease. Provide spot factoring and dynamic discounting with ease and through technology. No binding contracts are needed for suppliers.

Lenders gain new revenue streams, suppliers draw down funds on demand, and buyers build better relationships with their suppliers.

Pilon provides supply chain transparency, allowing lenders to finance suppliers confidently.

Pitch

BasedApp is a Web3 Neobank that offers a comprehensive suite of features that empower individuals to effortlessly spend, send, and invest their digital assets while on the move. It comprises a Visa debit card and a BasedApp wallet that makes it easy for users to interact with their digital assets. Beyond that, it also has an invest feature that offers automated strategies for users to manage their investment portfolio better.

Problem/Opportunity and Solution/Product

BasedApp Visa debit card

The BasedApp Visa debit card facilitates seamless transactions using XSGD, StraitsX's stablecoin pegged to the Singapore Dollar. StraitsX is a Major Payment Institution licensed by the Monetary Authority of Singapore (MAS), and has also been working towards early compliance of the MAS-proposed "SCS" regulatory framework to issue MAS-regulated single-currency stablecoins.

The card eliminates the need for third-party services, enabling users to spend their digital assets effortlessly. When you spend, XSGD is securely withdrawn from your wallet on the blockchain. Users do not have to withdraw crypto into their bank account to spend.

By connecting your XSGD stored on your non-custodial wallet to the Visa network, BasedApp bridges the gap between web3 and commerce.

BasedApp wallet

The BasedApp's wallet is built on the foundation of Safe, a trusted smart contract platform. It is also non-custodial, which means users retain control over their assets and we do not have access to them.

Account Abstraction allows developers to program more security and convenience factors. By leveraging this new technology, it enables users to login with their emails and phone number, and enjoy 1-click transactions and gasless transactions.

Pitch

AsiaVerify’s sophisticated Know-your-business (KYB) and Ultimate Beneficial Owner (UBO) regulatory technology offers the world’s most comprehensive, accurate and sophisticated entity verification technology, developed specifically for the APAC region. Unravel even the most complex corporate structures, and map equity paths all the way to the pinnacle, identify shareholders, directors, related entities at the touch of a button – all fully translated into a language your business can use. 

AsiaVerify has received a series of awards and recognitions in the past, for instance, the prestigious SFF Global FinTech Awards 2022, presented by the Monetary Authority of Singapore (MAS) and the Most Innovative APAC Counterparty Verification Technology Provider 2023 by Wealth & Finance International FinTech Awards.

Problem/Opportunity and Solution/Product

AsiaVerify’s business and entity resolution solutions combine unprecedented data quality and unrivalled technical features, designed specifically to overcome the complex challenges of conducting cross-border compliance checks across the Asia-Pacific and doing business safely in the region.

AsiaVerify provides three distinct and interrelated core solutions in a single platform or via a single API for KYB, KYC and UBO services.

These solutions provide real-time data for the verification of

business partners, corporate customers, individual clients and the ultimate beneficial owner in key Asian markets.

Its solutions have helped businesses in the Financial Services, Payments, E-commerce, and Online marketplace verify, onboard and monitor their merchants, suppliers and customers in the ecosystem.

CREST Approved Penetration Testing services in Asia

At Vantage Point Security, our mission is to instil the highest levels of trust in the security, confidentiality, integrity, and availability of our client’s mission-critical applications and digital services that are essential for their business success.

Our penetration testing services identify security vulnerabilities and weaknesses in the business-critical digital systems that drive your business. Together we eliminate security risk and build trust and confidence in the security of your digital assets.

Licensed by the Cyber Security Agency (CSA) for ensuring the cybersecurity and resilience of Singapore’s critical information infrastructure.

A member of CREST and delivering CREST-approved penetration testing services across Asia

Specialists in Application Security Testing at scale for clients in banking, finance, fintech, online commerce and more.

Vantage Point Security have significant experience in testing a wide range of applications for the financial industry including but not limited to:

1. Online Banking Applications
2. Mobile Banking Apps
3. Payment Processing Systems
4. Asset Management Software
5. Insurance Software
6. Accounting Software
7. ATM Software
8. Financial APIs
9. Crypto Wallets
10. Customer Relationship Management (CRM) Systems

Contact us for security testing conducted by experts with experience in the financial industry to ensure the highest level of security and compliance.