Surfin

Name

Surfin

Legal name

Surfin Meta Digital Technology Pte. Ltd.

Website

https://surfin.sg

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Digital Financial Services

NAICS

Credit Card Issuing (52221), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210), Open-End Investment Funds (525910)

SIC

Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)

akta.pro secondary industries

Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM), Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG), Tokenization, Network Vaults & Credential Management (FSAGABAF)

Keywords

• Consumer lending
• Digital payments
• Wealth management
• Credit scoring
• Fintech infrastructure

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Consumer Loans: Digital financing solutions including consumer loans provided to underserved middle-class customers, generating interest and fee income.
2. Credit Card Services: Global credit card service generating interchange fees, interest on revolving balances, and annual/card fees.
3. Payments and Remittance: Digital payments and cross-border remittance services generating transaction fees.
4. Wealth and Asset Management: Digital wealth and asset management services including mutual fund platform, generating management fees and commissions.
5. Fintech-as-a-Service (B2B): Providing fintech infrastructure (SurfinLab, Surfin Cloud, Digital Marketing) to financial institutions on a licensing/subscription basis.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Surfin is a Singapore-based fintech platform that provides accessible consumer financial services to underserved middle-class populations across emerging markets, including digital consumer loans, credit cards, payments, remittances, and wealth/asset management products delivered through mobile applications. The company also operates a Fintech-as-a-Service arm (SurfinLab, Surfin Cloud, Digital Marketing) that licenses its AI-driven credit scoring and fintech infrastructure to banks and financial institutions. Its core differentiator is proprietary AI-based credit scoring that enables lending decisions for populations without traditional banking history.

Product overview

Surfin is a Singapore-based fintech platform operating a multi-product portfolio across Consumer Finance, Payments & Remittances, Wealth & Asset Management, and Fintech-as-a-Service segments. The Consumer Finance vertical encompasses Consumer Loans and Credit Card products, offering accessible digital financing to underserved middle-class populations through AI-powered credit assessment. The Payments & Remittances vertical provides Payment and Remittance services enabling secure domestic and cross-border digital transactions. The Wealth & Asset Management vertical offers Wealth Management and Asset Management solutions with a Mutual Fund Platform for investment access. The Fintech-as-a-Service division provides scalable infrastructure to partners through SurfinLab (AI-driven credit scoring), Surfin Cloud (digital payment infrastructure), and Digital Marketing modules. The platform serves over 90 million users across 10 emerging markets including Indonesia, Mexico, and India.

Differentiator

Problem solved

Functional benefit

Brands

• Sufinc: Financial products and services sub-brand
• Easylink
• Ayolink
• Ayovest
• SurfinLab
• Surfin Cloud

Products and services

• Consumer Loans Accessible digital personal and small-business loans for underserved middle-class consumers, with credit decisions powered by Surfin's AI-driven proprietary credit scoring models.
• Credit Card Digital credit card with global acceptance and flexible installment options, targeted at underbanked consumers who may not qualify for traditional banking credit cards.
• Payment Secure digital payment solutions enabling domestic transactions across Surfin's operating markets, allowing users to send and receive money conveniently.
• Remittance Cross-border money transfer service facilitating international remittances with competitive rates and efficient delivery to underserved regions.
• Wealth Management Digital wealth management solutions helping users grow and manage their assets through accessible investment tools and financial planning services.
• Asset Management Digital asset management services enabling users to diversify and manage investment portfolios through accessible financial instruments and tools.
• Mutual Fund Platform Investment platform enabling users to access and invest in mutual funds, providing wealth-building opportunities for underserved communities.
• SurfinLab AI-driven credit scoring and analytics platform provided to financial institution partners as part of Surfin's Fintech-as-a-Service offering, enabling partners to leverage Surfin's proprietary credit models.
• Surfin Cloud Scalable fintech infrastructure cloud platform providing digital payment solutions and core banking capabilities to financial institution partners under Fintech-as-a-Service.
• Digital Marketing Services Digital marketing services and tools offered to financial institution partners to support customer acquisition and engagement for their fintech products.

Quantifiable outcome

• Over 90 million active users across 10 emerging markets
• +3 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature4 records

Partnerships

One partnership is on record.

• Philippine Social Security System (SSS)flagshipStrategic or Co-development Partner · 1 April 2026Surfin Meta Digital Technology signed an MOU with the Philippine Social Security System during the World Economic Forum in Davos, Switzerland, to explore digital financial service enhancements. The collaboration focuses on integrating AI, big data, and chatbot technology into SSS's existing platforms to improve service delivery, operational efficiency, and financial inclusion for Filipino workers and pensioners. Both parties will co-develop pilot programs and assess integration of digital tools.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Branch International: Branch offers digital lending, payments, and financial services to underbanked consumers across emerging markets including India, Kenya, Nigeria, Mexico, and Indonesia. Highly comparable to Surfin's AI-driven lending and multi-product EM fintech model.
• Tala: Tala provides AI-driven credit scoring and digital loans to underserved consumers in emerging markets including Mexico, India, and the Philippines. Closely comparable to Surfin's proprietary AI credit scoring for unbanked populations and emerging-market focus.
• FairMoney: FairMoney is a Nigeria-headquartered mobile lending and digital banking platform serving underbanked consumers across Africa and India. Comparable to Surfin in consumer micro-lending and digital financial services for emerging-market middle classes.
• OPay: OPay offers payments, lending, and consumer financial services across Nigeria, Egypt, Pakistan, and other emerging markets. Comparable multi-product EM fintech with both consumer and merchant payment offerings.

Regional players

• GCash: GCash is the Philippines' leading mobile wallet offering payments, lending, and wealth products — directly comparable to Surfin's consumer finance and payments offering in the Philippine market.
• Creditas: Creditas is a Brazil-based digital lending and consumer finance platform using alternative data for credit decisions. Comparable to Surfin's AI-driven credit scoring and consumer finance model in Latin America.
• Kredito: Kredito is a Mexico-based digital lender providing working-capital loans to SMEs and consumer credit. Comparable to Surfin's emerging-market consumer and SMB lending focus, particularly in the Mexican market.

Broad incumbents

• Mercado Pago: Mercado Pago is the dominant payments and consumer credit platform in Latin America, offering lending, credit cards, and payments to underbanked consumers in Mexico, Brazil, and Argentina. Comparable to Surfin's Mexico operations and consumer credit product suite.
• Grab Financial Group: Grab Financial offers lending, payments, and wealth services across Southeast Asia. Comparable to Surfin's Southeast Asian (Indonesia, Philippines) consumer finance and payments strategy at greater scale.
• Plaid: Plaid provides open-banking connectivity and transaction data infrastructure to fintech lenders and financial institutions. Comparable to Surfin's SurfinLab open-banking and transaction analytics capabilities serving the same FI buyer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

Funding overview

Funding rounds2 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Surfin