Singapore continues to cement its reputation as a global fintech powerhouse, thanks to a robust regulatory framework, progressive financial policies, and a thriving start-up ecosystem. Backed by the Monetary Authority of Singapore (MAS), the nation actively supports innovation while maintaining financial stability. In 2025, this fintech hub is witnessing rapid advancement in digital payments, wealthtech, regtech, and the increasingly influential digital assets space. Furthermore, artificial intelligence (AI), embedded finance, and sustainable fintech are becoming central themes across the ecosystem.
Here’s a look at 15 of the most influential fintech companies shaping Singapore’s financial future this year:
1. Grab Financial Group
An offshoot of the Grab super-app, Grab Financial Group has evolved into a major player across Southeast Asia. Offering integrated digital payment services, personal loans, insurance, and investment tools, the firm is redefining how consumers interact with financial products. Grab’s strategy of embedding financial tools within its ride-hailing and food delivery platforms has enhanced financial inclusion across the region.
2. Nium
Nium is a global leader in real-time cross-border payments. With services spanning pay-outs, pay-ins, card issuance, and banking-as-a-service (BaaS), Nium enables businesses to manage international transactions with ease. Headquartered in Singapore, Nium is licensed in over 40 markets and trusted by banks, payment providers, and enterprises worldwide.
3. Airwallex
Airwallex offers a seamless global payments and financial platform for modern businesses. Its products include multi-currency accounts, FX conversions, global treasury management, and spend controls—ideal for e-commerce and start-ups looking to expand across borders. The firm is widely adopted in Singapore and continues to grow rapidly throughout the Asia Pacific.
4. Aspire
Aspire is transforming business banking for SMEs. With offerings like virtual corporate cards, multi-currency accounts, and spend management tools, Aspire helps small businesses streamline financial operations. The company has serviced over 15,000 SMEs, simplifying cash flow management and expense tracking in an underserved segment.
5. Endowus
Endowus stands out in the wealthtech space, offering access to institutional-quality investment portfolios for retail investors. With MAS licensing and a fee-only advisory model, Endowus helps Singaporeans invest their CPF, SRS, and cash into globally diversified portfolios. Their platform demystifies investing and promotes long-term financial planning.
6. Coda Payments
Coda Payments facilitates monetisation for digital content creators through alternative payment methods. It enables users to purchase gaming credits, vouchers, and digital services using local payment methods in over 60 countries. The platform’s reach and localisation make it an essential partner for mobile publishers in Southeast Asia.
7. 2C2P
2C2P is a Singapore-based payment platform connecting merchants and consumers through secure, omnichannel payment services. It supports a wide array of local payment methods, including mobile wallets and QR codes, helping merchants access Southeast Asia’s growing e-commerce market.
8. Thunes
Thunes powers seamless cross-border payments for platforms like PayPal, Uber, and Grab. The company integrates mobile wallets, cash pick-up points, and bank accounts into its network. Its acquisition of Tookitaki has also strengthened its compliance and anti-money laundering capabilities, making it a formidable player in regtech and international payments.
9. M-DAQ
M-DAQ is revolutionising global trading by enabling multi-currency pricing for exchange-traded products. This capability reduces foreign exchange risk and enhances pricing transparency. The firm’s real-time FX integration into equities and futures platforms benefits retail and institutional traders alike.
10. Matrixport
Matrixport is a crypto financial services platform based in Asia. It offers products such as dual-currency investments, crypto savings, trading, and custody services. Matrixport caters to investors of all levels, blending traditional finance strategies with the agility of digital assets.
11. Advance Intelligence Group (Atome Financial)
The parent company of Atome Financial, Advance Intelligence Group leverages AI for consumer credit, fraud detection, and KYC solutions. Its BNPL service, Atome, is widely adopted in retail and e-commerce, offering flexible financing options to a growing demographic of digital-first consumers.
12. bolttech
bolttech is a rising star in the insurtech space. The company connects insurers, distributors, and customers via its proprietary platform to deliver embedded insurance solutions. Operating in more than 35 markets, bolttech is streamlining access to insurance and enabling rapid product innovation.
13. Thought Machine
Although headquartered in the UK, Thought Machine has established a strong presence in Singapore. It provides cloud-native core banking systems, empowering banks to launch modern, API-driven services. Their Vault platform helps banks replace legacy infrastructure with agile, scalable systems.
14. Adyen
Adyen is a global financial technology provider with a strong operational base in Singapore. Known for its robust end-to-end payment processing solutions, Adyen supports the payment needs of global brands such as Spotify, Microsoft, and Meta. Its unified platform supports both online and in-store payments.
15. OKX
A leading cryptocurrency exchange, OKX has expanded significantly in Singapore, offering crypto spot and derivatives trading, staking, and wallet services. As the regulatory landscape becomes more favourable for digital assets in Singapore, OKX’s role in crypto finance continues to grow.
The Future of Fintech in Singapore
Looking ahead, several key trends are poised to shape the next phase of Singapore’s fintech evolution:
1. Embedded Finance
Financial services are being deeply integrated into everyday platforms—whether it’s e-commerce, ride-hailing, or social media. This “invisible banking” approach simplifies access and enhances user experience.
2. Artificial Intelligence
AI is enhancing personalisation, credit scoring, fraud detection, and chatbot efficiency. Companies such as Atome Financial and Advance.AI are at the forefront of this transformation.
3. Web3 and Digital Assets
With MAS introducing clearer guidelines, Singapore is fostering responsible growth in blockchain-based finance, from tokenised securities to decentralised finance (DeFi) platforms. This positions the city-state as a digital asset hub in Asia.
4. Regtech
As regulatory demands grow more complex, regtech firms are stepping in to provide compliance automation, real-time monitoring, and risk management tools—an area of increasing relevance for traditional and digital banks alike.
5. ESG and Green Fintech
Sustainable finance is gaining traction, with fintech companies introducing tools to track ESG metrics, invest in green assets, and support carbon credit marketplaces. Expect continued growth in green finance backed by government initiatives.
Conclusion
Singapore’s vibrant fintech ecosystem is a testament to its forward-thinking regulatory environment, diverse talent pool, and openness to innovation. With robust support from MAS, a strategic location in Southeast Asia, and growing international investment, Singapore is not only keeping pace but setting the standard for global fintech development in 2025 and beyond.
